{"uin":"IRDAN134RP0028V02200809","name":"Motor Trade Policy","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-trade-policy-irdan134rp0028v02200809","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":"2009-03-06","withdrawn_on":null,"summary":"Motor Trade Insurance Policy covers accidental damage to insured vehicles on the premises and liability to public risks. It has Add-on Cover stated as Nil in the CIS and requires claim intimation within 15 days for OD and within 24 hrs for theft and fire claims.","analysis":{"state":"machine","analysed_at":"2026-10-20 02:45:45.8366+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":"The documents describe sections and endorsements, but do not name plan variants.","quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"not-stated","value":null,"display":null,"note":"The wording refers to the period of insurance and schedule, but does not state a fixed 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":"OD partial or complete loss must be intimated within 15 days; theft and fire claims within 24 hrs. For third-party incidents, the insured must promptly inform the insurance company.","display":"OD: within 15 days; theft and fire: within 24 hrs; third-party incident: promptly inform the insurance company","note":"Delay may be condoned on merits where beyond the insured’s control and reasons with reasonable proof are provided.","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. ... b) Promptly inform the insurance company about the incident.","sources":[{"clause":null,"heading":"Claim Procedure","page":5,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-trade-policy-irdan134rp0028v02200809/document/17542#c-claim-procedure"},{"clause":"11(b)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-trade-policy-irdan134rp0028v02200809/document/17542#c-11-b-3"}],"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","Form 17- Trade Certificate","Purchase Invoice","Estimate","Transport Document","Gate Pass copy","Gate Register - Stockyard","Gate Register- Showroom","Form 19 -Register to be maintained by the Holder of Trade certificate","Driving License","Address Proof","Identity Proof","CKYC form","Discharge cum Satisfaction Voucher","Payment Receipt in non-cashless cases","Duly signed Neft Mandate form / Cancel CTS Cheque / Bank Passbook","Repair Bill","Police FIR copy, Punchnama copy, MLC report","Postmortem report"],"display":"Claim Form, trade certificate, invoice, estimate, transport/gate records, driving licence, KYC/identity/address proofs, discharge voucher, payment and bank details, repair bill; FIR/Punchnama/MLC/Postmortem where applicable","note":"The insurer may ask for additional documents based on the merits of the claim.","quote":"➢ Claim Form, ➢ Form 17- Trade Certificate ➢ Purchase Invoice, ➢ Estimate, ➢ Transport Document, ➢ Gate Pass copy, ➢ Gate Register - Stockyard, ➢ Gate Register- Showroom, ➢ Form 19 -Register to be maintained by the Holder of Trade certificate ➢ Driving License ➢ Address Proof, ➢ Identity Proof, ➢ CKYC form, ➢ Discharge cum Satisfaction Voucher, ➢ Payment Receipt in non-cashless cases ➢ Duly signed Neft Mandate form / Cancel CTS Cheque / Bank Passbook ➢ Repair Bill- Repair Bill in the name of Universal Sompo GIC Ltd. With proper GSTIN number available with all the offices.\n*If TP injury – ➢ Above documents with Police FIR copy, Punchnama copy, MLC report.\n*If Driver Death – Above documents with Police FIR copy, Punchnama copy, MLC reports, Postmortem report","sources":[{"clause":null,"heading":"List of Documents","page":8,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-trade-policy-irdan134rp0028v02200809/document/17542#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":"conflicting","value":"In the policy wording, surveyor appointment is within 24hrs from claim intimation, survey completion within 24hrs of surveyor appointment, surveyor report within 15 days from survey, settlement/claim decision within 7 days from receipt of surveyor report, and non-cashless claim payment within 15 days of receipt of the last relevant and necessary document.","display":"Decision within 7 days from surveyor report; non-cashless payment within 15 days of last relevant and necessary document","note":"CIS says: \"Claim Payment to Insured in case of Non- Cashless – Claims shall be settled within 30 days of receipt of the last relevant and necessary document.”\"","quote":"Surveyor appointment- within 24hrs from Claim Intimation Survey Completion- within 24hrs of Surveyor appointment Surveyor report submission- within 15 days from Date of Survey Settlement / Claim decision- within 7 days from date of receipt of surveyor report Claim Payment to Insured in case of Non-Cashless – Claims shall be settled within 15 days of receipt of the last relevant and necessary document. ... Claim Payment to Insured in case of Non- Cashless – Claims shall be settled within 30 days of receipt of the last relevant and necessary document.”","sources":[{"clause":null,"heading":"LOSS OF OR DAMAGE TO THE VEHICLE INSURED","page":7,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-trade-policy-irdan134rp0028v02200809/document/17542#c-loss-of-or-damage-to-the-vehicle-insured"},{"clause":"Section I","heading":"DAMAGE","page":11,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-trade-policy-irdan134rp0028v02200809/document/17536#c-section-i"}],"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":["loss of use, depreciation, wear and tear, mechanical or electrical breakdown, failures or breakages","damage to tyres by application of brakes or by punctures, cuts or bursts","flood typhoon hurricane volcanic eruption earthquake or other convulsion of nature","invasion the act of foreign enemies hostilities or warlike operations","civil war, riot strike mutiny rebellion revolution insurrection military or usurped power","damage to property caused directly or indirectly by fire or explosion","any consequence of burglary, housebreaking or theft or any attempt thereat","damage to property sustained while it is being worked upon and directly resulting from such work","any defective workmanship","death injury or damage resulting from the driving elsewhere than in or on the premises","damage to any motor vehicle or its accessories caused by weather conditions","consequential loss","ionising radiations or contamination by radioactivity","nuclear weapons material"],"display":"Loss of use/wear and tear/breakdown, tyre damage by braking or puncture, natural convulsions and warlike risks, fire or explosion, burglary/theft, work being done, defective workmanship, driving off the premises, weather damage, consequential loss, radioactive and nuclear risks","note":null,"quote":"The Company shall not be liable to pay\na) for loss of use, depreciation, wear and tear, mechanical or electrical breakdown, failures or breakages.\nb) for damage to tyres by application of brakes or by punctures, cuts or bursts. ... The Company shall not be liable in respect of\nA. any accidental loss damage and/or liability directly or indirectly proximately or remotely occasioned by contributed to by or traceable to or arising out of or in connection with flood typhoon hurricane volcanic eruption earthquake or other convulsion of nature invasion the act of foreign enemies hostilities or warlike operations (whether war be declared or not) civil war, riot strike mutiny rebellion revolution insurrection military or usurped power ... B. damage to property caused directly or indirectly by fire or explosion.\nC. any consequence of burglary, housebreaking or theft or any attempt thereat.\nD. damage to property sustained while it is being worked upon and directly resulting from such work.\nE. any defective workmanship.\nF. death injury or damage resulting from the driving elsewhere than in or on the premises of any vehicle by the insured or any person in the service of or acting on behalf of the insured.\nG. damage to any motor vehicle or its accessories caused by weather conditions.\nH. any accidental loss or damage to any property whatsoever or any loss or expense whatsoever resulting or arising there from or consequential loss.\nI. 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 nuclear fuel or from any nuclear waste from the combustion of nuclear fuel. ... J. any accidental loss damage or liability directly or indirectly caused by or contributed to by or arising from nuclear weapons material.","sources":[{"clause":null,"heading":"EXCEPTIONS TO SECTION I","page":1,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-trade-policy-irdan134rp0028v02200809/document/17542#c-exceptions-to-section-i"},{"clause":null,"heading":"GENERAL EXCEPTIONS","page":2,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-trade-policy-irdan134rp0028v02200809/document/17542#c-general-exceptions"}],"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 grievance@universalsompo.com or visit a branch GRO. If not satisfied with that decision/resolution or if there is no response, write or email the Grievance Redressal Officer at GRO@universalsompo.com.","display":"First: Customer Service / grievance@universalsompo.com or branch GRO; next: 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:\nResolving Issue:\nWrite to :\nCustomer Service Universal Sompo General Insurance Co. Ltd. Unit No. 601 & 602, 6th Floor, Reliable Tech Park, Thane-Belapur Road, Airoli, Navi Mumbai, Maharashtra – 400708 Email: grievance@universalsompo.com For More details, visit – www.universalsompo.com Visit Branch Grievance Redressal Officer (GRO) - Walk into any of our nearest branches and request to meet the GRO. ... In case, the customer is not satisfied with the decision/resolution of the above office or have not received any response, he/she may write or email/mail to:\nCustomer Service Universal Sompo General Insurance Co. Ltd. Unit No. 601 & 602, 6th Floor, Reliable Tech Park, Thane-Belapur Road, Airoli, Navi Mumbai, Maharashtra – 400708 Email ID: GRO@universalsompo.com","sources":[{"clause":null,"heading":"List of Documents","page":8,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-trade-policy-irdan134rp0028v02200809/document/17542#c-list-of-documents"},{"clause":null,"heading":"Grievance Redressal Officer","page":9,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-trade-policy-irdan134rp0028v02200809/document/17542#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":["damage to any insured vehicle (including its accessories whilst thereon) the property of the insured or any member of the insured's family or household caused by accidental, external and visible means and occurring in or on the premises","accidental death of or bodily injury to any person other than a person in the insured's service or a member of the insured's family or household","accidental damage to any insured vehicle (including its accessories whilst thereon) held in trust by or in the custody or control of the insured","accidental damage to other property not being property belonging to or held in trust by or in the custody or control of the insured occurring in on or about the premises through the negligence of the insured"],"display":"Accidental external visible damage to insured vehicles on the premises, and public-risk liability for accidental death/bodily injury and accidental property damage on or about the premises","note":null,"quote":"Subject to the Limits of liability the Company will indemnify the insured against damage to any insured vehicle (including its accessories whilst thereon) the property of the insured or any member of the insured's family or household caused by accidental, external and visible means and occurring in or on the premises. ... Subject to the Limits of liability as laid down in the Schedule hereto the Company will indemnify the insured against all sums including claimant's costs and expenses which the insured shall become legally liable to pay in respect of\n1) accidental death of or bodily injury to any person other than a person in the insured's service or a member of the insured's family or household.\n2) accidental damage to ... a) any insured vehicle (including its accessories whilst thereon) held in trust by or in the custody or control of the insured. ... b) other property not being property belonging to or held in trust by or in the custody or control of the insured occurring in on or about the premises through the negligence of the insured","sources":[{"clause":"Section I","heading":"DAMAGE","page":1,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-trade-policy-irdan134rp0028v02200809/document/17542#c-section-i"},{"clause":"Section II","heading":"LIABILITY TO THE PUBLIC RISKS","page":1,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-trade-policy-irdan134rp0028v02200809/document/17542#c-section-ii"},{"clause":"Section II(a)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-trade-policy-irdan134rp0028v02200809/document/17542#c-section-ii-a"},{"clause":"Section II(b)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-trade-policy-irdan134rp0028v02200809/document/17542#c-section-ii-b"}],"law":[]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"The insured can cancel at any time by informing the company. If no claim has been made, the company refunds proportional premium for the unexpired policy period, subject to the specific motor third-party and double-insurance rules and minimum premium retention.","display":"Proportional premium for the unexpired policy period if no claim has been made; minimum premium Rs.100 or Rs.25 for specified adapted vehicles","note":"Statutory Motor Third Party Liability insurance cannot be cancelled except as stated for double insurance or total loss/constructive total 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.\nIn such case of cancelation, the Company will refund proportional premium for unexpired policy period, if there is no claim(s) made during the policy period. ... Return of the premium by the company will be subject to retention of the minimum premium of Rs.100/- (or Rs.25/- in respect of vehicles specifically designed/modified for use by blind/handicapped/mentally challenged persons).","sources":[{"clause":"7","heading":"CANCELLATION","page":3,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-trade-policy-irdan134rp0028v02200809/document/17542#c-7"},{"clause":null,"heading":"Cancellation of Policy in Double Insurance","page":4,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-trade-policy-irdan134rp0028v02200809/document/17542#c-cancellation-of-policy-in-double-insurance-2"}],"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":"quote-verified","value":"Damage cover applies to damage occurring in or on the premises, and public-risk property damage is described as occurring in, on or about the premises.","display":"In or on/about the premises","note":"The documents do not print a country or listed geographical area.","quote":"caused by accidental, external and visible means and occurring in or on the premises. ... occurring in on or about the premises through the negligence of the insured","sources":[{"clause":"Section I","heading":"DAMAGE","page":1,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-trade-policy-irdan134rp0028v02200809/document/17542#c-section-i"},{"clause":"Section II(b)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-trade-policy-irdan134rp0028v02200809/document/17542#c-section-ii-b"}],"law":[]},{"key":"cover_types","label":"Cover types","section":"Cover","meaning":"Comprehensive, standalone own damage, third-party only.","status":"quote-verified","value":["Section I - Damage – Indemnity","Section II - Liability to Public Risks – Indemnity","Restriction of Cover to Liability Risks only"],"display":"Section I Damage and Section II Liability to Public Risks; liability-only restriction by endorsement if specified","note":"The liability-only restriction is an endorsement, not the base cover.","quote":"3 | Structure | • Section I - Damage – Indemnity • Section II - Liability to Public Risks – Indemnity | Section I Section II ... IMT .63. Restriction of Cover to Liability Risks only ... a) Section I and II(2)(i) and the word \"other\" in Section II (2)(ii) of this Policy in the Schedule to this Policy are deemed to be cancelled","sources":[{"clause":"Row 3","heading":"Structure","page":1,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-trade-policy-irdan134rp0028v02200809/document/17536#c-row-3"},{"clause":null,"heading":"IMT .63. Restriction of Cover to Liability Risks only","page":12,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-trade-policy-irdan134rp0028v02200809/document/17542#c-imt-63-restriction-of-cover-to-liability-risks-o"},{"clause":"11(a)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-trade-policy-irdan134rp0028v02200809/document/17542#c-11-a-4"}],"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 covers sums the insured becomes legally liable to pay for accidental death or bodily injury to persons outside the insured's service/family/household and accidental property damage as described. The CIS states Third party (Injury / Death) and Legal Liability as Unlimited.","display":"Accidental death/bodily injury and property damage liability; Third party (Injury / Death) Unlimited and Legal Liability Unlimited","note":null,"quote":"Subject to the Limits of liability as laid down in the Schedule hereto the Company will indemnify the insured against all sums including claimant's costs and expenses which the insured shall become legally liable to pay in respect of\n1) accidental death of or bodily injury to any person other than a person in the insured's service or a member of the insured's family or household.\n2) accidental damage to ... Third party (Injury / Death) | Unlimited\nLegal Liability | Unlimited","sources":[{"clause":"Section II","heading":"LIABILITY TO THE PUBLIC RISKS","page":1,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-trade-policy-irdan134rp0028v02200809/document/17542#c-section-ii"},{"clause":"Row 5","heading":"Sum Insured / Motor Insured Declared Value Scope","page":1,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-trade-policy-irdan134rp0028v02200809/document/17536#c-row-5"}],"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":"Vehicle IDV is calculated as ex-showroom price multiplied by the depreciation scale as per vehicle age, with the IDV basis depending on factors captured in the policy schedule. A vehicle is declared Constructive Total Loss where aggregate repair cost exceeds 75% of the IDV mentioned in the policy.","display":"Vehicle IDV = Ex-showroom price * depreciation scale as per vehicle age; CTL if repair cost exceeds 75% of IDV","note":"The specific IDV amount is captured in the policy schedule.","quote":"Vehicle IDV Calculation Method Ex-showroom price * depreciation scale as per vehicle age = IDV Vehicle IDV Vehicle depreciation age slab xx The IDV arrived is basis factors, Location, usage, road type/ terrain, model segment, model which is with your (Insured) ... Vehicle will be declared Constructive Total Loss where the aggregate cost of repairs exceeds 75% of IDV mentioned in the Policy.","sources":[{"clause":"Row 5","heading":"Sum Insured / Motor Insured Declared Value Scope","page":1,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-trade-policy-irdan134rp0028v02200809/document/17536#c-row-5"},{"clause":"11(c)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-trade-policy-irdan134rp0028v02200809/document/17542#c-11-c-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":"For replaced parts: rubber/nylon/plastic parts, tyres and tubes, batteries and air bags 50%; fibre glass components 30%; glass Nil; painting material cost 50%. Other parts including wooden parts use an age schedule from Nil for vehicles not exceeding 6 months up to 50% for vehicles exceeding 10 years.","display":"Parts depreciation: 50% for rubber/nylon/plastic, tyres/tubes, batteries and air bags; 30% fibre glass; Nil glass; paint material 50%; other parts by age Nil to 50%","note":null,"quote":"Subject to a deduction for depreciation at the rates mentioned below in respect of parts replaced: 1. For all rubber/ nylon / plastic parts, tyres and tubes, batteries, and air bags - 50% 2. For fibre glass components 30% 3. For all parts made of glass Nil 4. Rate of depreciation for Painting- In the case of painting, depreciation rate of 50% shall be applied only on the material cost of total painting charges. ... AGE OF VEHICLE | % of DEPRECIATION\nNot exceeding 6 months | Nil\nExceeding 6 months but not exceeding 1 year | 5%\nExceeding 1 year but not exceeding 2 years | 10%\nExceeding 2 years but not exceeding 3 years | 15%\nExceeding 3 years but not exceeding 4 years | 25%\nExceeding 4 years but not exceeding 5 years | 35%\nExceeding 5 years but not exceeding 10 years | 40%\nExceeding 10 years | 50%","sources":[{"clause":null,"heading":"Claim Calculation Process. These figures are","page":8,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-trade-policy-irdan134rp0028v02200809/document/17536#c-claim-calculation-process-these-figures-are"}],"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":"If no claim is made in the previous policy or policies preceding the previous year, bonus in terms of discount is provided based on the number of years no claim has been preferred.","display":"Discount based on the number of years no claim has been preferred","note":"The NCB percentage slabs are not printed in the supplied documents.","quote":"NCB verification, - If no claim is made in previous policy / policies preceding previous year, bonus in terms of discount is provided based on the number of years no claim has been preferred.","sources":[{"clause":null,"heading":"Admissibility of Claims - Loss Of Or Damage To The Vehicle Insured","page":5,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-trade-policy-irdan134rp0028v02200809/document/17542#c-admissibility-of-claims-loss-of-or-damage-to-the"}],"law":[]},{"key":"compulsory_deductible","label":"Compulsory deductible","section":"Limits and co-pay","meaning":"Fixed amount you pay on every own-damage claim.","status":"not-stated","value":null,"display":null,"note":"The wording says the Section I deductible is the amount stated in the schedule for each and every claim, but the supplied documents do not print the fixed compulsory deductible amount.","quote":null,"sources":[],"law":[]},{"key":"deductible","label":"Voluntary deductible","section":"Limits and co-pay","meaning":"An extra amount per claim you choose to bear for a lower premium.","status":"not-stated","value":null,"display":null,"note":"The CIS lists voluntary deductible under loss participation, but the documents do not state the voluntary deductible amount or options.","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":"quote-verified","value":"The CIS states Cumulative Personal Accident cover for Owner driver up to 15 lakh.","display":"Cumulative Personal Accident cover for Owner driver: Up to 15 lakh","note":null,"quote":"Cumulative Personal Accident cover for Owner driver | Up to 15 lakh","sources":[{"clause":"Row 5","heading":"Sum Insured / Motor Insured Declared Value Scope","page":1,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-trade-policy-irdan134rp0028v02200809/document/17536#c-row-5"}],"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":"not-stated","value":null,"display":null,"note":"The documents mention non-cashless cases and direct payment to a repairer, but do not state whether cashless repairs are available at network garages.","quote":null,"sources":[],"law":[]},{"key":"motor_exclusions","label":"Main motor exclusions","section":"Exclusions","meaning":"No valid licence, drunk driving, use outside the permitted purpose, wear and tear...","status":"quote-verified","value":["Any driving under the influence of drug / alcohol or any other intoxicant can render the claim to be inadmissible","loss of use, depreciation, wear and tear, mechanical or electrical breakdown, failures or breakages","damage to tyres by application of brakes or by punctures, cuts or bursts","death injury or damage resulting from the driving elsewhere than in or on the premises","damage to property sustained while it is being worked upon and directly resulting from such work","any defective workmanship","damage to any motor vehicle or its accessories caused by weather conditions","Current damages will be verified with Pre-inspection photos and Previous claim if any","The vehicle should not be left unattended without proper precautions taken to prevent further loss or damage","The vehicle should not be driven before the necessary repairs are affected","If the vehicle stops in water do not start the vehicle or try to jump start or push start the same without professional guidance","Changes should not be made to the seating capacity or any alternation / modification should not be carried out in contravention to MV act/ rules"],"display":"Drugs/alcohol driving, wear and tear/breakdown, tyre damage, driving away from the premises, work being done, defective workmanship, weather damage, old/pre-existing damages, unattended vehicle, driving before repairs, restarting in water, and unauthorised modification","note":null,"quote":"Any driving under the influence of drug / alcohol or any other intoxicant can render the claim to be inadmissible. ... The Company shall not be liable to pay\na) for loss of use, depreciation, wear and tear, mechanical or electrical breakdown, failures or breakages.\nb) for damage to tyres by application of brakes or by punctures, cuts or bursts. ... F. death injury or damage resulting from the driving elsewhere than in or on the premises of any vehicle by the insured or any person in the service of or acting on behalf of the insured.\nG. damage to any motor vehicle or its accessories caused by weather conditions. ... D. damage to property sustained while it is being worked upon and directly resulting from such work.\nE. any defective workmanship. ... Current damages will be verified with Pre-inspection photos and Previous claim if any. The same will be allowed only for fresh damages and not repeated / old / pre existing. ... 1. The vehicle should not be left unattended without proper precautions taken to prevent further loss or damage.\n2. The vehicle should not be driven before the necessary repairs are affected, as any extension of the damage or any further damage is not payable under the policy. ... 8. If the vehicle stops in water do not start the vehicle or try to jump start or push start the same without professional guidance. ... 13. Changes should not be made to the seating capacity or any alternation / modification should not be carried out in contravention to MV act/ rules","sources":[{"clause":null,"heading":"Admissibility of Claims - Loss Of Or Damage To The Vehicle Insured","page":5,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-trade-policy-irdan134rp0028v02200809/document/17542#c-admissibility-of-claims-loss-of-or-damage-to-the"},{"clause":null,"heading":"EXCEPTIONS TO SECTION I","page":1,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-trade-policy-irdan134rp0028v02200809/document/17542#c-exceptions-to-section-i"},{"clause":null,"heading":"GENERAL EXCEPTIONS","page":2,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-trade-policy-irdan134rp0028v02200809/document/17542#c-general-exceptions"}],"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":"Sum insured is as per selected covers. Vehicle IDV is calculated as ex-showroom price multiplied by depreciation scale as per vehicle age, with factors and agreement captured in the policy schedule.","display":"Sum insured as per selected covers; Vehicle IDV = Ex-showroom price * depreciation scale as per vehicle age","note":null,"quote":"Sum Insured as per selected covers Cover Selected Sum Insured Limit ... Vehicle IDV Calculation Method Ex-showroom price * depreciation scale as per vehicle age = IDV Vehicle IDV Vehicle depreciation age slab xx The IDV arrived is basis factors, Location, usage, road type/ terrain, model segment, model which is with your (Insured)","sources":[{"clause":"Row 5","heading":"Sum Insured / Motor Insured Declared Value Scope","page":1,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-trade-policy-irdan134rp0028v02200809/document/17536#c-row-5"}],"law":[]}],"documents":[{"kind":"wording","label":"Motor Trade Policy - Policy Wordings","pages":13,"fetched_at":"2026-10-17 20:06:53+00","source_url":"https://www.universalsompo.com/assets/file/motor-trade/motor-trade-policy-wordings.pdf","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-trade-policy-irdan134rp0028v02200809/document/17542"},{"kind":"prospectus","label":"Motor Trade Policy - Prospectus / Brochure","pages":11,"fetched_at":"2026-10-17 20:06:46+00","source_url":"https://www.universalsompo.com/assets/file/motor-trade/prospectus.pdf","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-trade-policy-irdan134rp0028v02200809/document/17531"},{"kind":"cis","label":"Motor Trade Policy - CIS","pages":17,"fetched_at":"2026-10-17 20:06:56+00","source_url":"https://www.universalsompo.com/assets/file/motor-trade/motor-trade-cis.pdf","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-trade-policy-irdan134rp0028v02200809/document/17536"}],"versions":[{"uin":"GEN345","version":null,"approved_on":null},{"uin":"IRDAN134RP0028V02200809","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 Trade Policy (UIN IRDAN134RP0028V02200809), IndiaInsurances, https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-trade-policy-irdan134rp0028v02200809"}