{"uin":"IRDAN134RPMT0001V02202425","name":"Motor Private Car 3 Years","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-private-car-3-years-irdan134rpmt0001v02202425","insurer":{"slug":"universal-sompo-general-insurance","name":"Universal Sompo General Insurance Company Limited","url":"https://indiainsurances.com/insurer/universal-sompo-general-insurance"},"line":"general","category":"motor-car","category_name":"Car insurance","irdai_type":"Main product","kind":"product","status":"active","approved_on":"2018-08-30","withdrawn_on":null,"summary":"Motor Private Car- 3 Years is a private car motor policy with own damage, third-party liability and owner-driver personal accident cover for 3 years. The own-damage sum insured is the IDV, and optional add-ons include depreciation waiver, roadside assistance, engine protector, return to invoice and other covers.","analysis":{"state":"machine","analysed_at":"2026-10-20 02:37:12.579166+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"3 years","display":"3 years","note":null,"quote":"Universal Sompo’s Motor Private Car 3 Years Policy ensures that you are protected from financial losses, caused by damage or theft of the vehicle and third-party liability for a period of 3 years.","sources":[{"clause":null,"heading":"MOTOR PRIVATE CAR- 3 YEARS","page":1,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-private-car-3-years-irdan134rpmt0001v02202425/document/17589#c-motor-private-car-3-years"}],"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":"Own-damage partial and complete loss must be intimated within 15 days; theft and fire claims within 24 hrs. Third-party accident notice must be given in writing within 30 days.","display":"OD within 15 days; theft and fire within 24 hrs; third-party accident within 30 days","note":"Delay may be condoned on merit where the delay is beyond the insured’s control and reasons with proof are given in writing.","quote":"The insured should intimate The Company within 15 days in case of OD (partial loss and complete loss) and within 24 hrs in case of theft and fire claims of the happening of loss or damage. ... Give immediate written notice to the insurance company about an accident to third party within 30 days.","sources":[{"clause":"Section VII","heading":"CLAIM PROCEDURE","page":41,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-private-car-3-years-irdan134rpmt0001v02202425/document/17593#c-section-vii"},{"clause":"13(a)","heading":null,"page":44,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-private-car-3-years-irdan134rpmt0001v02202425/document/17593#c-13-a-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":["Claim Form","Vehicle Registration Certificate (RC Book)","Driving Licence of Driver at the time of Loss","Estimate","Address Proof- Electric Bill / Voter Card/ Passport / Adhar Card","Identity Proof- Adhar Card / Pan Card","CKYC form","Discharge cum Satisfaction Voucher","Payment Receipt (If non cashless case)","Neft Mandate Form / Cancel CTS Chq / Passbook","Police FIR copy (in case of Full theft or TP injury) and also in case of any malicious act","Punchanama (in case of Partial Theft or TP injury)","Postmortem Report (In case of driver death)","MLC report (In case of Driver / passenger Injury/Driver death)","Repair Bill (After completion of repair work)"],"display":"Claim form, RC book, driving licence, estimate, address and identity proof, CKYC, discharge voucher, payment/NEFT details, FIR or Panchanama where applicable, medical/death documents and repair bill","note":"Additional documents are listed for total loss, constructive total loss, RTI cover and hypothecated cases.","quote":"➢ | Claim Form\n➢ | Vehicle Registration Certificate (RC Book),\n➢ | Driving Licence of Driver at the time of Loss\n➢ | Estimate\n➢ | Address Proof- Electric Bill / Voter Card/ Passport / Adhar Card\n➢ | Identity Proof- Adhar Card / Pan Card\n➢ | CKYC form\n➢ | Discharge cum Satisfaction Voucher\n➢ | Payment Receipt (If non cashless case)\n➢ | Neft Mandate Form / Cancel CTS Chq / Passbook\n➢ | Police FIR copy (in case of Full theft or TP injury) and also in case of any malicious act\n➢ | Punchanama (in case of Partial Theft or TP injury)\n➢ | Postmortem Report (In case of driver death)\n➢ | MLC report (In case of Driver / passenger Injury/Driver death)\n➢ | Repair Bill (After completion of repair work)","sources":[{"clause":null,"heading":"List of Documents","page":43,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-private-car-3-years-irdan134rpmt0001v02202425/document/17593#c-list-of-documents"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"quote-verified","value":"For loss or damage to the vehicle, surveyor appointment is within 24hrs from claim intimation, survey completion within 24hrs of appointment, surveyor report within 15 days from date of survey, settlement or claim decision within 7 days from receipt of surveyor report, and non-cashless payment within 15 days of receipt of the last relevant and necessary document. For PA owner-driver claims, investigator appointment is within 24hrs from claim intimation, first visit within 24hrs of appointment, investigator report within 15 days from first visit, settlement or claim decision within 7 days from receipt of last document, and payment within 15 days of receipt of the last relevant and necessary document.","display":"Vehicle: decision within 7 days of survey report and payment within 15 days of last relevant document; PA: decision within 7 days of last document and payment within 15 days of last document","note":null,"quote":"Loss of or damage to the vehicle insured 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 or the last relevant and necessary document. ... Personal accident cover for owner-driver Investigator appointment- within 24hrs from Claim Intimation Investigator First Visit- within 24hrs of Investigator appointment Investigators report submission- within 15 days from Date of First Visit. Settlement / Claim decision- within 7 days from date of receipt of Last Document Claim Payment to Nominee / Legel Heir –Claims shall be settled within 15 days of receipt of the last relevant and necessary document.","sources":[{"clause":null,"heading":"List of Documents - Personal Accident Cover For Owner-Driver","page":46,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-private-car-3-years-irdan134rpmt0001v02202425/document/17593#c-list-of-documents-personal-accident-cover-for-ow"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Consequential loss, depreciation, wear and tear, mechanical or electrical breakdown, failures or breakages","Damage to tyres and tubes unless the vehicle is damaged at the same time","Loss or damage to accessories by burglary, housebreaking or theft unless the vehicle is stolen at the same time","any accidental loss or damage suffered whilst the insured or any person driving the vehicle with the knowledge and consent of the insured is under the influence of intoxicating liquor or drugs","Any accidental loss or damage and/or liability caused, sustained or incurred outside the geographical area","Any claim arising out of any contractual liability","Being used otherwise than in accordance with the ‘Limitations as to Use’","Being driven by or is for the purpose of being driven by him/her in the charge of any person other than a Driver as stated in the Driver's Clause","Any accidental loss or damage or liability directly or indirectly caused by or contributed to by or arising from nuclear weapons material","war, invasion, the act of foreign enemies, hostilities or warlike operations","Any accidental loss, damage and/or liability caused, sustained or incurred, while vehicle not being registered permanently will not be covered","Any minor scratches to the vehicle, paint fading, wear and tear arising out of normal use and requiring touch-up or minor repair under routine maintenance will not be covered"],"display":"Main exclusions include wear and tear/breakdown, tyres unless vehicle also damaged, accessories theft unless vehicle stolen, intoxication, outside geographical area, contractual liability, wrong use, unauthorized driver, nuclear risks, war, no permanent registration and minor scratches/routine maintenance.","note":null,"quote":"a) Consequential loss, depreciation, wear and tear, mechanical or electrical breakdown, failures or breakages\nb) Damage to tyres and tubes unless the vehicle is damaged at the same time in which case the liability of the company shall be limited to 50% of the cost of replacement.\nc) Loss or damage to accessories by burglary, housebreaking or theft unless the vehicle is stolen at the same time, and\nd) any accidental loss or damage suffered whilst the insured or any person driving the vehicle with the knowledge and consent of the insured is under the influence of intoxicating liquor or drugs. ... 1 | Any accidental loss or damage and/or liability caused, sustained or incurred outside the geographical area;\n2 | Any claim arising out of any contractual liability\n3 | Any accidental loss damage and/or liability caused sustained or incurred whilst the vehicle insured herein is A) Being used otherwise than in accordance with the ‘Limitations as to Use’ OR B) Being driven by or is for the purpose of being driven by him/her in the charge of any person other than a Driver as stated in the Driver's Clause ... 5 | Any accidental loss or damage or liability directly or indirectly caused by or contributed to by or arising from nuclear weapons material\n6 | Any accidental loss damage and/or liability directly or indirectly or proximately or remotely occasioned by contributed to by or traceable to or arising out of or in connection with war, invasion, the act of foreign enemies, hostilities or warlike operations ... 7 | Any accidental loss, damage and/or liability caused, sustained or incurred, while vehicle not being registered permanently will not be covered\n8 | Any minor scratches to the vehicle, paint fading, wear and tear arising out of normal use and requiring touch-up or minor repair under routine maintenance will not be covered.","sources":[{"clause":"5","heading":"Rate of Depreciation for Painting","page":1,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-private-car-3-years-irdan134rpmt0001v02202425/document/17593#c-5"},{"clause":"Section IV","heading":"GENERAL EXCLUSIONS","page":5,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-private-car-3-years-irdan134rpmt0001v02202425/document/17593#c-section-iv"}],"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, Universal Sompo General Insurance Co.Ltd., Unit No. 601 & 602, 6th Floor, Reliable Tech Park, Thane-Belapur Road, Airoli, Navi Mumbai, Maharashtra – 400708, email grievance@universalsompo.com, or visit a branch GRO. If not satisfied or no response is received, write or email to Customer Service at the same address, Email ID GRO@universalsompo.com.","display":"First: Customer Service at grievance@universalsompo.com or branch GRO; then GRO@universalsompo.com if not satisfied or no response","note":null,"quote":"Write 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\nVisit 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":"Resolving Issue","page":47,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-private-car-3-years-irdan134rpmt0001v02202425/document/17593#c-resolving-issue"},{"clause":null,"heading":"Grievance Redressal Officer","page":47,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-private-car-3-years-irdan134rpmt0001v02202425/document/17593#c-grievance-redressal-officer"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"perils","label":"What is covered","section":"Cover","meaning":"The events or risks covered.","status":"quote-verified","value":["fire explosion, self ignition or lightning","burglary, housebreaking or theft","riot and strike","earthquake (fire and shock damage)","flood, typhoon, hurricane, storm, tempest, inundation, cyclone, hailstorm, frost","accidental external means","malicious act","terrorist activity","transit by road, rail, inland-waterway, lift, elevator or air","landslide rockslide"],"display":"Fire/explosion/self-ignition/lightning, burglary/housebreaking/theft, riot and strike, earthquake, flood and storm perils, accidental external means, malicious act, terrorist activity, transit, landslide/rockslide","note":null,"quote":"i) By fire explosion, self ignition or lightning; ii.By burglary, housebreaking or theft; iii.By riot and strike; iv.By earthquake (fire and shock damage); v.By flood, typhoon, hurricane, storm, tempest, inundation, cyclone, hailstorm, frost; vi.By accidental external means;\nvii. By malicious act;\nviii. By terrorist activity; ix.Whilst in transit by road, rail, inland-waterway, lift, elevator or air; x.By landslide rockslide.","sources":[{"clause":"Section I(i)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-private-car-3-years-irdan134rpmt0001v02202425/document/17593#c-section-i-i"}],"law":[]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"The insured can cancel at any time without giving reasons. For a term up to one year, proportional premium for the unexpired period is refunded if no claim was made; for a term more than one year, premium is refunded for unexpired policy years where risk coverage has not commenced. Refunds are subject to minimum premium retention, and there is no refund of the running policy year premium for double-insurance cancellation if any claim has arisen while both policies were in operation.","display":"Cancel anytime; refund is proportional for unexpired period for term up to one year if no claim, and for term over one year for unexpired years whose risk has not commenced","note":"The policy also states separate rules for total loss, total theft, cash loss and double insurance.","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. In such case of cancellation, the Company will refund proportional premium for unexpired policy period, if the term of the policy is up to one year and there is no claim(s) made during the policy period. The Company will refund premium for the unexpired policy period, in respect of policy with the term more than one year and the risk coverage for such policy years has not commenced. ... No refund of running policy year premium can be allowed for such cancellation if any claim has arisen on either of the policies during the uncompleted year’s period when both the policies were in operation, but prior to cancellation of one of the policies.\nReturn of the premium by the company will be subject to retention of the minimum premium of Rs.100/-","sources":[{"clause":"Section V","heading":"CONDITIONS","page":6,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-private-car-3-years-irdan134rpmt0001v02202425/document/17593#c-section-v"},{"clause":"Section V","heading":"CONDITIONS","page":8,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-private-car-3-years-irdan134rpmt0001v02202425/document/17593#c-section-v-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":"Cover is for India, with an optional geographical extension beyond India to Nepal, Sri Lanka, Maldives, Bhutan, Pakistan and Bangladesh if specifically mentioned in the policy schedule.","display":"India; optional extension to Nepal/ Sri Lanka/Maldives/Bhutan/ Pakistan/Bangladesh","note":"The extension is optional and applies only if specifically mentioned in the policy schedule.","quote":"On payment of additional premium, the geographical coverage of the subject policy would be extended to the limits beyond India to any or all of the below mentioned countries as specifically mentioned in the policy schedule – Nepal/ Sri Lanka/Maldives/Bhutan/ Pakistan/Bangladesh","sources":[{"clause":"1","heading":"Extension of Geographical Area","page":51,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-private-car-3-years-irdan134rpmt0001v02202425/document/17593#c-1-5"}],"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 and Section II - Liability to Third Parties","Long- Term Third- Party Liability Only Policy"],"display":"Own damage plus liability to third parties; long-term third-party liability only if own damage is not renewed, bought elsewhere or lapsed","note":"The long-term third-party-only operation is stated for the remaining policy period if the policyholder does not renew own damage cover with the company, purchases own damage cover from another insurer, or lets own damage cover lapse.","quote":"Indemnity Basis: Section I -Own Damage and Section II - Liability to Third Parties Benefit Basis: Section- III Personal Accident Cover for Owner-driver ... Then, for the remaining period of the policy, this contract shall operate and be construed strictly as a Long- Term Third- Party Liability Only Policy, in accordance with applicable statutory provisions.","sources":[{"clause":"Row 3","heading":"Structure","page":1,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-private-car-3-years-irdan134rpmt0001v02202425/document/17591#c-row-3"},{"clause":"5(b)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-private-car-3-years-irdan134rpmt0001v02202425/document/17593#c-5-b"}],"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 liability for death or bodily injury to any person including occupants, and for third-party property damage. The CIS states third-party death or bodily injury has no limit, and third-party property damage is Rs.6000/Rs. 7.5 lakhs.","display":"Death/bodily injury: No Limit; third-party property damage: Rs.6000/Rs. 7.5 lakhs","note":"The policy wording says liability is subject to limits in the schedule; the CIS prints the no-limit/property-damage figures.","quote":"a) Death of or bodily injury to any person including occupants carried in the vehicle ... b) Damage to property other than property belonging to the insured or held in trust or in the custody or control of the insured. ... For Third Party Death / bodily injury – No Limit (Motor Accidents Claim Tribunal decides the third-party insurance claim amount) Third Party Property Damage- Rs.6000/Rs. 7.5 lakhs","sources":[{"clause":"1(a)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-private-car-3-years-irdan134rpmt0001v02202425/document/17593#c-1-a"},{"clause":"1(b)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-private-car-3-years-irdan134rpmt0001v02202425/document/17593#c-1-b"},{"clause":"Row 5","heading":"Sum Insured / Motor Insured Declared Value Scope","page":1,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-private-car-3-years-irdan134rpmt0001v02202425/document/17591#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":"The Insured’s Declared Value (IDV) is deemed the sum insured, fixed at the commencement of each policy period. It is based on the manufacturer’s listed selling price of the vehicle and accessories adjusted for depreciation, and is treated as market value throughout the policy period for total loss or constructive total loss claims; the company’s liability for total loss/constructive total loss/cash loss does not exceed the IDV for the year of loss.","display":"IDV is the sum insured and the maximum liability for total loss / constructive total loss / cash loss","note":null,"quote":"The Insured’s Declared Value (IDV) of the vehicle will be deemed to be the ‘SUM INSURED’ for the purpose of this policy which is fixed at the commencement of each policy period for the insured vehicle.\nThe IDV of the vehicle (and accessories if any fitted to the vehicle) is to be fixed on the basis of the manufacturer’s listed selling price of the brand and model as the vehicle insured at the commencement of insurance/renewal and adjusted for depreciation ... IDV shall be treated as the ‘Market Value’ throughout the policy period without any further depreciation for the purpose of Total Loss (TL) / Constructive Total Loss (CTL) claims. ... The liability of the Company shall not exceed the Insured’s Declared Value (IDV) of the vehicle in the event of total loss / constructive total loss/cash loss for the year in which loss has occurred.","sources":[{"clause":null,"heading":"Sum Insured, Insured’s Declared Value (IDV)","page":2,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-private-car-3-years-irdan134rpmt0001v02202425/document/17593#c-sum-insured-insureds-declared-value-idv"}],"law":[]},{"key":"depreciation","label":"Depreciation on parts","section":"Limits and co-pay","meaning":"How much of the cost of replaced parts you bear because of age (unless you have zero depreciation).","status":"quote-verified","value":"For parts replaced in a claim: rubber/nylon/plastic parts, tyres and tubes, batteries and air bags have 50% depreciation; fibre glass components 30%; glass parts Nil. Other parts including wooden parts are Nil up to 6 months, then 5%, 10%, 15%, 25%, 35%, 40% and 50% by vehicle age slabs; painting has 50% depreciation on material cost only.","display":"Parts depreciation: 50% rubber/nylon/plastic, tyres/tubes, batteries and air bags; 30% fibre glass; Nil glass; other parts Nil to 50% by age; painting 50% on material cost","note":"Depreciation waiver and eco depreciation waiver are optional add-ons and are not the base answer.","quote":"For all rubber/nylon/plastic parts, tyres and tubes, batteries, and air bags - 50% ... For fibre glass components - 30% ... For all parts made of glass - Nil ... AGE OF VEHICLE | % OF DEPRECIATION\nNot exceeding 6months | Nil\nExceeding 6months but not exceeding 1 | 5%\nExceeding 1 year but not exceeding 2 years | 10%\nExceeding 2 years but not exceeding 3 | 15%\nExceeding 3 years but not exceeding 4 | 25%\nExceeding 4 years but not exceeding 5 | 35%\nExceeding 5 years but not exceeding 10 | 40%\nExceeding 10 years | 50% ... Rate of Depreciation for Painting: In the case of painting, the depreciation rate of 50% shall be applied only on the material cost of total painting charges.","sources":[{"clause":"1","heading":"For all rubber/nylon/plastic parts, tyres and tubes, batteries, and air bags - 50%","page":1,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-private-car-3-years-irdan134rpmt0001v02202425/document/17593#c-1"},{"clause":"2","heading":"For fibre glass components - 30%","page":1,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-private-car-3-years-irdan134rpmt0001v02202425/document/17593#c-2"},{"clause":"3","heading":"For all parts made of glass - Nil","page":1,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-private-car-3-years-irdan134rpmt0001v02202425/document/17593#c-3"},{"clause":"4","heading":null,"page":1,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-private-car-3-years-irdan134rpmt0001v02202425/document/17593#c-4"},{"clause":"5","heading":"Rate of Depreciation for Painting","page":1,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-private-car-3-years-irdan134rpmt0001v02202425/document/17593#c-5"}],"law":[]},{"key":"ncb","label":"No-claim bonus","section":"Cover","meaning":"Discount on own-damage premium for claim-free years (20% to 50%).","status":"quote-verified","value":"No Claim Bonus is allowed on the Own Damage section if no claim is made or pending during the preceding year(s), according to the printed table. The table includes 25%, 35%, 45%, 50%, 55% and 65% entries, with 20% if one claim is made or pending and 0% if two claims are made or pending; renewal must be within 90 days of expiry.","display":"NCB on own-damage section if no claim is made or pending; renewal within 90 days","note":"The document also contains a sunset clause protecting 55% or 65% NCB for certain older renewals until a claim arises.","quote":"Entry NCB % | Number of claims Claim made or pending during the policy period\n0 | 1 | 2\n0% | 25% | 20% | 0%\n20% | 35% | 20% | 0%\n25% | 45% | 20% | 0%\n35% | 50% | 20% | 0%\n45% | 50% | 20% | 0%\n50% | 50% | 20% | 0%\n55% | 55% | 20% | 0%\n65% | 65% | 20% | 0%\nThe insured is entitled for a No Claim Bonus (NCB) on the Own Damage section of the policy, if no claim is made or pending during the preceding year (s), as per the following table: ... NB 2: No Claim Bonus will be allowed provided the Policy is renewed within 90 days of the expiry date of the previous policy.","sources":[{"clause":null,"heading":"No Claim Bonus (NCB)","page":9,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-private-car-3-years-irdan134rpmt0001v02202425/document/17593#c-no-claim-bonus-ncb"}],"law":[]},{"key":"compulsory_deductible","label":"Compulsory deductible","section":"Limits and co-pay","meaning":"Fixed amount you pay on every own-damage claim.","status":"quote-verified","value":"For private cars including three wheelers not exceeding 1500 cc, and EVs below 65 KW, the compulsory deductible is Rs 1000. For private cars including three wheelers exceeding 1500 cc, and EVs above 65 KW, it is Rs. 2000.","display":"Rs 1000 up to 1500 cc / EV < 65 KW; Rs. 2000 above 1500 cc / EV > 65 KW","note":"Applies under Section 1 for each event, including total loss, constructive total loss and cash loss.","quote":"Condition | Compulsory Deductible\nPvt Cars including three wheelers not exceeding 1500 cc / For EV < 65 KW | Rs 1000\nPvt Cars including three wheelers exceeding 1500 cc/ For EV > 65 KW | Rs. 2000","sources":[{"clause":"17(I)","heading":null,"page":58,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-private-car-3-years-irdan134rpmt0001v02202425/document/17593#c-17-i"}],"law":[]},{"key":"deductible","label":"Voluntary deductible","section":"Limits and co-pay","meaning":"An extra amount per claim you choose to bear for a lower premium.","status":"quote-verified","value":"The insured may opt for a voluntary deductible under Section 1 and bear the first amount for each event. The printed private-car options are Rs. 2500, Rs. 5000, Rs. 7500 and Rs. 15000, with OD premium discounts subject to stated maximums.","display":"Optional voluntary deductible: Rs. 2500, Rs. 5000, Rs. 7500 or Rs. 15000 per event","note":"Applies only if the voluntary deductible is opted.","quote":"It is by declared and agreed that the insured having opted a voluntary deductible of `.......................* a reduction in premium of `............................** under Section 1 of the policy is hereby allowed. ... In consideration of the above, it is hereby understood and agreed that the insured shall bear under Section 1 Of the policy in respect of each and every event (including event giving rise to a total loss/constructive total loss/ Cash loss ) the first `.............................*** ... *VOLUNTARY DEDUCTIBLE | DISCOUNT\nRs. 2500 | 20% on the OD premium of the vehicle, subject to a maximum of Rs. 750/-\nRs. 5000 | 25% on the OD premium of the vehicle, subject to a maximum of Rs. 1500/-\nRs. 7500 | 30% on the OD premium of the vehicle, subject to a maximum of Rs. 2000/-\nRs. 15000 | 35% on the OD premium of the vehicle, subject to a maximum of Rs. 2500/","sources":[{"clause":"18","heading":"VOLUNTARY DEDUCTIBLE","page":58,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-private-car-3-years-irdan134rpmt0001v02202425/document/17593#c-18-2"}],"law":[]},{"key":"pa_owner_driver","label":"Personal accident cover for owner-driver","section":"Cover","meaning":"Compulsory PA cover for the owner-driver.","status":"quote-verified","value":"Owner-driver PA cover pays compensation for accidental bodily injury or death in direct connection with the insured vehicle, with 100% for death, 100% for loss of two limbs/two eyes/one limb and one eye, 50% for loss of one limb or one eye, and 100% for permanent total disablement from other injuries. Total liability is capped at Rs. 15 lakhs during any one period of insurance and the owner-driver must be the registered owner, named insured and hold an effective driving licence.","display":"Owner-driver PA up to Rs. 15 lakhs, with 100% for death/PTD and 50% for loss of one limb or one eye","note":"No compensation is payable for intentional self-injury, suicide or attempted suicide, physical defect or infirmity, or an accident while under the influence of intoxicating liquor or drugs.","quote":"Nature of Injury | Scale of Compensation\n1. Death | 100%\n2. Loss of two limbs or sight of two eyes or one limb and sight of one eye | 100%\n3. Loss of one limb or sight of one eye | 50%\n4. Permanent total disablement from injuries other than named above | 100% ... the total liability of the Company shall not in the aggregate exceed the sum of Rs. 15 lakhs during any one period of insurance. ... a) The owner-driver is the registered owner of the vehicle insured herein;\nb) The owner-driver is the insured named in this policy.\nc) The owner-driver holds an effective driving license, in accordance with the provisions of Rule 3 of the Central Motor Vehicles Rules, 1989, at the time of the accident.","sources":[{"clause":"Section III","heading":"PERSONAL ACCIDENT COVER FOR OWNER-DRIVER","page":4,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-private-car-3-years-irdan134rpmt0001v02202425/document/17593#c-section-iii"}],"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","Loss of Personal Belongings","Key Replacement","Secure Towing (Higher Towing & Removal Costs","Daily Cash Allowances Benefit","Hospital Daily Cash Cover","Accidental Hospitalization Clause for Family","Additional Expenses Coverage Clause (Emergency Hotel Or Transportation Expenses)","Loss Of Driving License/ Registration Certification","Tyre and Rim Secure","NCB Protector","Preferred Garage Network","Wrong Fuel Cover","Emergency Assistance Service","No Fault Protection","Additional Personal Accident Cover","Pet Cover","Battery Protect Cover","Vehicle Cyber Protection","Power Cable and Charger Cover","Battery Charging Support Cover","Electric Motor Protect Cover","Accidental Hospitalisation for Occupants","EMI Protection","Multi-damage","Eco Depreciation Waiver","Pay How you Drive","Legal Assistance"],"display":"Depreciation Waiver, Cost of Consumable, Engine Protector, Return to Invoice, Road Side Assistance, Loss of Personal Belongings, Key Replacement, Secure Towing, Daily Cash Allowance, Hospital Daily Cash, Accidental Hospitalization, Emergency Hotel/Transportation, Loss of Driving License/RC, Tyre and Rim Secure, NCB Protector, Preferred Garage Network, Wrong Fuel, Emergency Assistance, No Fault Protection, Additional PA, Pet Cover, Battery Protect, Vehicle Cyber Protection, Power Cable and Charger, Battery Charging Support, Electric Motor Protect, Accidental Hospitalisation for Occupants, EMI Protection, Multi-damage, Eco Depreciation Waiver, Pay How you Drive and Legal Assistance","note":"Only add-ons opted by the insured and mentioned in the policy schedule apply.","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 We will reimburse the total cost of parts replaced, due to loss or damage to the insured vehicle, without any deduction towards depreciation. 2. Cost of Consumable ... 3 Engine Protector ... 4 Return to Invoice ... 5 Road Side Assistance ... 6 Loss of Personal Belongings ... 7 Key Replacement ... 8 Secure Towing (Higher Towing & Removal Costs ... 9 Daily Cash Allowances Benefit ... 10 Hospital Daily Cash Cover ... 11 Accidental Hospitalization Clause for Family ... 12 Additional Expenses Coverage Clause (Emergency Hotel Or Transportation\nExpenses) ... 13 Loss Of Driving License/ Registration Certification ... 14 Tyre and Rim Secure ... 15 NCB Protector ... Preferred Garage Network. ... 17 Wrong Fuel Cover ... 18 Emergency Assistance Service ... 19 No Fault Protection ... 20 Additional Personal Accident Cover ... 21 Pet Cover ... 22 Battery Protect Cover ... 23 Vehicle Cyber Protection ... 24 Power Cable and Charger Cover ... 25 Battery Charging Support Cover ... 26 Electric Motor Protect Cover ... 27 Accidental Hospitalisation for Occupants ... 28 EMI Protection ... 29 Multi-damage ... 30 Eco Depreciation Waiver ... 31 Pay How you Drive ... 32 Legal Assistance","sources":[{"clause":"Row 7","heading":"Add on Cover","page":3,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-private-car-3-years-irdan134rpmt0001v02202425/document/17591#c-row-7"},{"clause":"3","heading":"Engine Protector","page":4,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-private-car-3-years-irdan134rpmt0001v02202425/document/17591#c-3"},{"clause":"4","heading":"Return to Invoice","page":4,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-private-car-3-years-irdan134rpmt0001v02202425/document/17591#c-4"},{"clause":"5","heading":"Road Side Assistance","page":4,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-private-car-3-years-irdan134rpmt0001v02202425/document/17591#c-5"},{"clause":"6","heading":"Loss of Personal Belongings","page":4,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-private-car-3-years-irdan134rpmt0001v02202425/document/17591#c-6"},{"clause":"7","heading":"Key Replacement","page":4,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-private-car-3-years-irdan134rpmt0001v02202425/document/17591#c-7"},{"clause":"8","heading":"Secure Towing (Higher Towing & Removal Costs","page":4,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-private-car-3-years-irdan134rpmt0001v02202425/document/17591#c-8"},{"clause":"9","heading":"Daily Cash Allowances Benefit","page":5,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-private-car-3-years-irdan134rpmt0001v02202425/document/17591#c-9"},{"clause":"10","heading":"Hospital Daily Cash Cover","page":5,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-private-car-3-years-irdan134rpmt0001v02202425/document/17591#c-10"},{"clause":"11","heading":"Accidental Hospitalization Clause for Family","page":5,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-private-car-3-years-irdan134rpmt0001v02202425/document/17591#c-11"},{"clause":"12","heading":"Additional Expenses Coverage Clause (Emergency Hotel Or Transportation","page":5,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-private-car-3-years-irdan134rpmt0001v02202425/document/17591#c-12"},{"clause":"13","heading":"Loss Of Driving License/ Registration Certification","page":5,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-private-car-3-years-irdan134rpmt0001v02202425/document/17591#c-13"},{"clause":"14","heading":"Tyre and Rim Secure","page":6,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-private-car-3-years-irdan134rpmt0001v02202425/document/17591#c-14"},{"clause":"15","heading":"NCB Protector","page":6,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-private-car-3-years-irdan134rpmt0001v02202425/document/17591#c-15"},{"clause":"16","heading":null,"page":6,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-private-car-3-years-irdan134rpmt0001v02202425/document/17591#c-16"},{"clause":"17","heading":"Wrong Fuel Cover","page":6,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-private-car-3-years-irdan134rpmt0001v02202425/document/17591#c-17"},{"clause":"18","heading":"Emergency Assistance Service","page":6,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-private-car-3-years-irdan134rpmt0001v02202425/document/17591#c-18"},{"clause":"19","heading":"No Fault Protection","page":6,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-private-car-3-years-irdan134rpmt0001v02202425/document/17591#c-19"},{"clause":"20","heading":"Additional Personal Accident Cover","page":6,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-private-car-3-years-irdan134rpmt0001v02202425/document/17591#c-20"},{"clause":"21","heading":"Pet Cover","page":7,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-private-car-3-years-irdan134rpmt0001v02202425/document/17591#c-21"},{"clause":"22","heading":"Battery Protect Cover","page":7,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-private-car-3-years-irdan134rpmt0001v02202425/document/17591#c-22"},{"clause":"23","heading":"Vehicle Cyber Protection","page":7,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-private-car-3-years-irdan134rpmt0001v02202425/document/17591#c-23"},{"clause":"24","heading":"Power Cable and Charger Cover","page":7,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-private-car-3-years-irdan134rpmt0001v02202425/document/17591#c-24"},{"clause":"25","heading":"Battery Charging Support Cover","page":7,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-private-car-3-years-irdan134rpmt0001v02202425/document/17591#c-25"},{"clause":"26","heading":"Electric Motor Protect Cover","page":8,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-private-car-3-years-irdan134rpmt0001v02202425/document/17591#c-26"},{"clause":"27","heading":"Accidental Hospitalisation for Occupants","page":8,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-private-car-3-years-irdan134rpmt0001v02202425/document/17591#c-27"},{"clause":"28","heading":"EMI Protection","page":8,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-private-car-3-years-irdan134rpmt0001v02202425/document/17591#c-28"},{"clause":"29","heading":"Multi-damage","page":8,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-private-car-3-years-irdan134rpmt0001v02202425/document/17591#c-29"},{"clause":"30","heading":"Eco Depreciation Waiver","page":8,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-private-car-3-years-irdan134rpmt0001v02202425/document/17591#c-30"},{"clause":"31","heading":"Pay How you Drive","page":8,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-private-car-3-years-irdan134rpmt0001v02202425/document/17591#c-31"},{"clause":"32","heading":"Legal Assistance","page":8,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-private-car-3-years-irdan134rpmt0001v02202425/document/17591#c-32"}],"law":[]},{"key":"cashless_garages","label":"Cashless garages","section":"Claims","meaning":"Whether repairs can be cashless at network garages.","status":"quote-verified","value":"Cashless claims are available through network garages. After repair completion and submission of the repair invoice to the insurer, a delivery order is shared with the workshop and the insurance claim amount is paid directly to the network garage.","display":"Yes, cashless claims at network garages","note":null,"quote":"Upon submission of repair invoice to Insurance Company in case of cashless claims, delivery order is shared with workshop, post which Insured can take delivery of vehicle. The insurance claim amount will be paid directly to the network garage.","sources":[{"clause":"8","heading":null,"page":11,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-private-car-3-years-irdan134rpmt0001v02202425/document/17591#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","any accidental loss or damage suffered whilst the insured or any person driving the vehicle with the knowledge and consent of the insured is under the influence of intoxicating liquor or drugs","Any accidental loss or damage and/or liability caused, sustained or incurred outside the geographical area","Being used otherwise than in accordance with the ‘Limitations as to Use’","Being driven by or is for the purpose of being driven by him/her in the charge of any person other than a Driver as stated in the Driver's Clause","Any accidental loss, damage and/or liability caused, sustained or incurred, while vehicle not being registered permanently will not be covered","Any minor scratches to the vehicle, paint fading, wear and tear arising out of normal use and requiring touch-up or minor repair under routine maintenance will not be covered","Hire or Reward","Carriage of goods (other than samples or personal luggage)","Organized racing","Pace making","Speed testing","Reliability Trials","Any purpose in connection with Motor Trade"],"display":"Motor exclusions include wear and tear/breakdown, tyre damage unless vehicle also damaged, intoxication, outside geographical area, wrong use, unauthorized/non-licensed driver, no permanent registration, minor scratches/routine maintenance, hire or reward, goods carriage, racing, pace making, speed testing, reliability trials and motor trade use.","note":"The Driver’s Clause requires the driver to hold an effective driving licence and not be disqualified.","quote":"a) Consequential loss, depreciation, wear and tear, mechanical or electrical breakdown, failures or breakages\nb) Damage to tyres and tubes unless the vehicle is damaged at the same time in which case the liability of the company shall be limited to 50% of the cost of replacement. ... d) any accidental loss or damage suffered whilst the insured or any person driving the vehicle with the knowledge and consent of the insured is under the influence of intoxicating liquor or drugs. ... 1 | Any accidental loss or damage and/or liability caused, sustained or incurred outside the geographical area; ... 3 | Any accidental loss damage and/or liability caused sustained or incurred whilst the vehicle insured herein is A) Being used otherwise than in accordance with the ‘Limitations as to Use’ OR B) Being driven by or is for the purpose of being driven by him/her in the charge of any person other than a Driver as stated in the Driver's Clause ... 7 | Any accidental loss, damage and/or liability caused, sustained or incurred, while vehicle not being registered permanently will not be covered\n8 | Any minor scratches to the vehicle, paint fading, wear and tear arising out of normal use and requiring touch-up or minor repair under routine maintenance will not be covered. ... The Policy covers use of the vehicle for any purpose other than:\nA. Hire or Reward B. Carriage of goods (other than samples or personal luggage) C. Organized racing D. Pace making E. Speed testing F. Reliability Trials G. Any purpose in connection with Motor Trade","sources":[{"clause":"5","heading":"Rate of Depreciation for Painting","page":1,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-private-car-3-years-irdan134rpmt0001v02202425/document/17593#c-5"},{"clause":"Section IV","heading":"GENERAL EXCLUSIONS","page":5,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-private-car-3-years-irdan134rpmt0001v02202425/document/17593#c-section-iv"},{"clause":null,"heading":"LIMITATIONS AS TO USE","page":8,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-private-car-3-years-irdan134rpmt0001v02202425/document/17593#c-limitations-as-to-use"}],"law":[]},{"key":"sum_insured_basis","label":"Sum insured basis","section":"Cover","meaning":"How the cover amount is set: market value, reinstatement value, agreed value, IDV.","status":"quote-verified","value":"The sum insured basis is the Insured’s Declared Value (IDV). The IDV is fixed at the commencement of each policy period, based on the manufacturer’s listed selling price adjusted for depreciation, and treated as market value for total loss and constructive total loss claims.","display":"IDV basis, treated as market value for TL/CTL claims","note":null,"quote":"The Insured’s Declared Value (IDV) of the vehicle will be deemed to be the ‘SUM INSURED’ for the purpose of this policy which is fixed at the commencement of each policy period for the insured vehicle.\nThe IDV of the vehicle (and accessories if any fitted to the vehicle) is to be fixed on the basis of the manufacturer’s listed selling price of the brand and model as the vehicle insured at the commencement of insurance/renewal and adjusted for depreciation ... IDV shall be treated as the ‘Market Value’ throughout the policy period without any further depreciation for the purpose of Total Loss (TL) / Constructive Total Loss (CTL) claims.","sources":[{"clause":null,"heading":"Sum Insured, Insured’s Declared Value (IDV)","page":2,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-private-car-3-years-irdan134rpmt0001v02202425/document/17593#c-sum-insured-insureds-declared-value-idv"}],"law":[]}],"documents":[{"kind":"wording","label":"Motor Private Car 3 Years - Policy Wordings","pages":63,"fetched_at":"2026-10-17 20:08:37+00","source_url":"https://www.universalsompo.com/assets/file/motor-private-car-3-years/motor-private-car-3-years-policy-wordings.pdf","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-private-car-3-years-irdan134rpmt0001v02202425/document/17593"},{"kind":"wording","label":"Motor Private Car - 3 Years - Policy Wording","pages":12,"fetched_at":"2026-10-17 20:17:11+00","source_url":"https://www.universalsompo.com/assets/file/withdrawn-products/withdrawn-products-1/motor-private-car-3-years/policy-wordings.pdf","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-private-car-3-years-irdan134rpmt0001v02202425/document/17827"},{"kind":"wording","label":"Motor Private Car - 3 Years (IRDAI copy)","pages":23,"fetched_at":"2026-10-20 00:43:20+00","source_url":"https://irdai.gov.in/documents/37343/993134/IRDAN134RP0003V01201819_GEN2874.pdf/6ff2690e-1465-48a2-987a-668cfab2af85?version=1.1&t=1668702051714&download=true","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-private-car-3-years-irdan134rpmt0001v02202425/document/24424"},{"kind":"prospectus","label":"Motor Private Car 3 Years - Prospectus / Brochure","pages":45,"fetched_at":"2026-10-17 20:08:31+00","source_url":"https://www.universalsompo.com/assets/file/motor-private-car-3-years/motor-private-car-3-years-prospectus.pdf","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-private-car-3-years-irdan134rpmt0001v02202425/document/17589"},{"kind":"prospectus","label":"Motor Private Car - 3 Years - Prospectus/Sales Literature","pages":4,"fetched_at":"2026-10-17 20:17:07+00","source_url":"https://www.universalsompo.com/assets/file/withdrawn-products/withdrawn-products-1/motor-private-car-3-years/prospectus.pdf","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-private-car-3-years-irdan134rpmt0001v02202425/document/17822"},{"kind":"cis","label":"Motor Private Car 3 Years - CIS","pages":15,"fetched_at":"2026-10-17 20:08:40+00","source_url":"https://www.universalsompo.com/assets/file/motor-private-car-3-years/motor-private-car-3-years-cis.pdf","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-private-car-3-years-irdan134rpmt0001v02202425/document/17591"},{"kind":"rider","label":"Motor Private Car 3 Years - Adds On","pages":32,"fetched_at":"2026-10-17 20:03:01+00","source_url":"https://www.universalsompo.com/assets/file/motor-private-car-3-years/addons-motor-3-years.pdf","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-private-car-3-years-irdan134rpmt0001v02202425/document/17434"}],"versions":[{"uin":"IRDAN134RP0003V01201819","version":null,"approved_on":null},{"uin":"IRDAN134RPMT0001V02202425","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 Private Car 3 Years (UIN IRDAN134RPMT0001V02202425), IndiaInsurances, https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-private-car-3-years-irdan134rpmt0001v02202425"}