{"uin":"IRDAN134RPMT0002V01202425","name":"Motor Two-Wheeler - 5 Years","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-two-wheeler-5-years-irdan134rpmt0002v01202425","insurer":{"slug":"universal-sompo-general-insurance","name":"Universal Sompo General Insurance Company Limited","url":"https://indiainsurances.com/insurer/universal-sompo-general-insurance"},"line":"general","category":"motor-two-wheeler","category_name":"Two-wheeler insurance","irdai_type":"Main product","kind":"product","status":"active","approved_on":"2018-08-30","withdrawn_on":null,"summary":"Motor Two Wheeler – 5 Years is an indemnity motor policy for two-wheelers with own damage and third-party liability for a period of 5 years. It uses IDV as the sum insured and offers add-ons such as depreciation waiver, return to invoice, engine protector, roadside assistance, tyre and rim secure, and EV battery-related covers.","analysis":{"state":"machine","analysed_at":"2026-10-20 02:37:13.968834+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":"One policy runs for a period of 5 years.","display":"5 years","note":null,"quote":"Universal Sompo’s Motor Two Wheeler 5 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 5 years.","sources":[{"clause":null,"heading":"EMAIL: contactus@universalsompo.com WEBSITE: www.universalsompo.com IRDA of India Registration Number: 134 CIN: U66010MH2007PLC166770","page":1,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-two-wheeler-5-years-irdan134rpmt0002v01202425/document/17557#c-email-contactus-universalsompo-com-website-www-u"}],"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, and theft and fire claims within 24 hrs. Third-party accident notice must be given within 30 days.","display":"OD within 15 days; theft and fire within 24 hrs; third-party accident within 30 days","note":"The wording also says notice of accidental loss or damage should be given immediately.","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":null,"heading":"Claim Procedure (OD)","page":26,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-two-wheeler-5-years-irdan134rpmt0002v01202425/document/17562#c-claim-procedure-od"},{"clause":"2(a)","heading":null,"page":30,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-two-wheeler-5-years-irdan134rpmt0002v01202425/document/17562#c-2-a-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","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 (Only if case is above 1 Lakh)","Discharge cum Satisfaction Voucher","Payment Receipt (If non cashless case)","Neft Mandate Form / Cancel CTS Chq / Passbook","Police FIR copy","Punchanama","Postmortem Report","MLC report","Repair Bill"],"display":"Claim form, RC, driving licence, estimate, address and identity proof, CKYC if above 1 lakh, voucher, payment receipt for non-cashless, NEFT/cancelled cheque/passbook, FIR/Punchanama/medical reports where applicable, and repair bill","note":"Additional documents are listed for total loss/constructive total loss, hypothecated cases, TP injury and driver death claims.","quote":"➢ Claim Form ➢ Vehicle Registration Certificate (RC Book), ➢ Driving Licence of Driver at the time of Loss ➢ Estimate ➢ Address Proof- Electric Bill / Voter Card/ Passport / Adhar Card ➢ Identity Proof- Adhar Card / Pan Card ➢ CKYC form (Only if case is above 1 Lakh) ➢ Discharge cum Satisfaction Voucher ➢ Payment Receipt (If non cashless case) ➢ Neft Mandate Form / Cancel CTS Chq / Passbook ➢ Police FIR copy (in case of Full theft or TP injury) and also in case of any malicious act ➢ Punchanama (in case of Partial Theft or TP injury) ➢ Postmortem Report (In case of driver death) ➢ MLC report (In case of Driver / passenger Injury/Driver death) ➢ Repair Bill (After completion of repair work)","sources":[{"clause":null,"heading":"List of Documents","page":28,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-two-wheeler-5-years-irdan134rpmt0002v01202425/document/17562#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 of or damage to the vehicle, surveyor appointment and survey completion are each within 24hrs, report submission within 15 days from the date of survey, settlement/claim decision within 7 days from receipt of the surveyor report, and non-cashless payment within 15 days of receipt of the last relevant and necessary document. For PA owner-driver, investigator appointment and first visit are each within 24hrs, report within 15 days from first visit, decision within 7 days from the last document, and payment within 15 days of the last relevant and necessary document.","display":"OD: decision within 7 days from surveyor report; payment within 15 days of last relevant document. PA: decision within 7 days from last document; payment within 15 days of last relevant and necessary document","note":null,"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 or the last relevant and necessary document. ... 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 Hier –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":31,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-two-wheeler-5-years-irdan134rpmt0002v01202425/document/17562#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","under the influence of intoxicating liquor or drugs","outside the geographical area","contractual liability","Being used otherwise than in accordance with the ‘Limitations as to Use","person other than a Driver as stated in the Driver's Clause","ionising radiations or contamination by radioactivity","nuclear weapons material","war, invasion, the act of foreign enemies, hostilities, or warlike operations","vehicle is not being registered permanently","minor scratches to the vehicle, paint fading, wear and tear"],"display":"Consequential loss, depreciation, wear and tear, mechanical/electrical breakdown, tyre/tube damage unless the vehicle is damaged, accessory theft unless the vehicle is stolen, intoxicated driving, outside geographical area, contractual liability, unauthorised use/driver, nuclear/radioactivity, war, non-permanent registration, and minor scratches/paint fading","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\n4 | a. Any accidental loss or damage to any property whatsoever or any loss or expense whatsoever resulting or arising there from or any consequential loss b. Any liability of whatsoever nature directly or indirectly caused by or contributed to by or arising from ionising radiations or contamination by radioactivity ... 5 | Any accidental loss or, damage, or liability directly or indirectly caused by or contributed to by or arising from nuclear weapons material.\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 the vehicle is 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 touchup 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-two-wheeler-5-years-irdan134rpmt0002v01202425/document/17562#c-5"},{"clause":null,"heading":"General Exclusions","page":4,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-two-wheeler-5-years-irdan134rpmt0002v01202425/document/17562#c-general-exclusions"}],"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 Grievance Redressal Officer. If not satisfied or no response is received, write or email the Grievance Redressal Officer at GRO@universalsompo.com.","display":"Customer Service at grievance@universalsompo.com or branch GRO first; then GRO@universalsompo.com","note":null,"quote":"If You have a grievance about any matter relating to the Policy, or Our decision on any matter, or the claim, you can address Your grievance as follows:\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\nEmail ID: | GRO@universalsompo.com","sources":[{"clause":null,"heading":"List of Documents - Personal Accident Cover For Owner-Driver","page":31,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-two-wheeler-5-years-irdan134rpmt0002v01202425/document/17562#c-list-of-documents-personal-accident-cover-for-ow"},{"clause":null,"heading":"Grievance Redressal Officer","page":32,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-two-wheeler-5-years-irdan134rpmt0002v01202425/document/17562#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":["By fire explosion self-ignition, or lightning","By burglary, housebreaking or theft","By riot and strike","By earthquake (fire and shock damage)","By flood, typhoon hurricane, storm tempest, inundation, cyclone, hailstorm, frost","By accidental external means","By malicious act","By terrorist activity","Whilst in transit by road, rail inland-waterway lift elevator, or air","By landslide rockslide"],"display":"Fire/explosion/self-ignition/lightning; burglary/housebreaking/theft; riot and strike; earthquake; flood and storm perils; accidental external means; malicious act; terrorist activity; transit; landslide/rockslide","note":null,"quote":"The Company will indemnify the insured against loss or damage to the vehicle insured hereunder and/or its accessories whilst hereon;\ni) By fire explosion self-ignition, or lightning ;\nii) By burglary, housebreaking or theft ;\niii) By riot and strike;\niv) By earthquake (fire and shock damage);\nv) By flood, typhoon hurricane, storm tempest, inundation, cyclone, hailstorm, frost;\nvi) By accidental external means;\nvii) By malicious act;\nviii) By terrorist activity;\nix) Whilst in transit by road, rail inland-waterway lift elevator, or air;\nx) By landslide rockslide.","sources":[{"clause":"Section I","heading":null,"page":1,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-two-wheeler-5-years-irdan134rpmt0002v01202425/document/17562#c-section-i"}],"law":[]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"The insured can cancel at any time by informing the company. For a policy term more than 12 months, the company refunds premium for the unexpired policy years for which risk coverage has not commenced; statutory motor third-party insurance cannot be cancelled except for double insurance or total loss/cash loss.","display":"For term more than 12 months, refund of premium for unexpired policy years where risk has not commenced","note":null,"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 case the term of the policy is more than 12 months, the Company will refund the premium for the unexpired policy period, in respect of policy with a term of more than one year, and the risk coverage for such policy years has not commenced. ... No Motor Third Party Insurance may be cancelled by either the Company or the insured except on the following grounds:\na) Double insurance\nb) Vehicle not in use anymore because of Total Loss or Constructive Total Loss","sources":[{"clause":null,"heading":"CONDITIONS","page":6,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-two-wheeler-5-years-irdan134rpmt0002v01202425/document/17562#c-conditions"},{"clause":null,"heading":"CONDITIONS","page":8,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-two-wheeler-5-years-irdan134rpmt0002v01202425/document/17562#c-conditions-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":"The base geographical cover is India, with an optional paid extension beyond India to Nepal, Sri Lanka, Maldives, Bhutan, Pakistan and Bangladesh if specifically mentioned in the policy schedule.","display":"India; optional extension beyond India to Nepal/ Sri Lanka/Maldives/Bhutan/ Pakistan/Bangladesh","note":"The extension excludes sea voyage/air passage for ferrying the vehicle to the extended area.","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":null,"heading":"1. Extension of Geographical Area","page":35,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-two-wheeler-5-years-irdan134rpmt0002v01202425/document/17562#c-1-extension-of-geographical-area"}],"law":[]},{"key":"cover_types","label":"Cover types","section":"Cover","meaning":"Comprehensive, standalone own damage, third-party only.","status":"quote-verified","value":["Indemnity Basis: Section I Own Damage and Section II Liability to Third Parties","Benefit Basis: Section III Personal Accident Cover for Owner-driver (if Opted and shown in the Policy Schedule)"],"display":"Own damage plus third-party liability; PA owner-driver benefit if opted and shown in the schedule","note":"The documents describe the structure by sections rather than using the words comprehensive, standalone own damage or third-party only.","quote":"Indemnity Basis: Section I Own Damage and Section II Liability to Third Parties Benefit Basis: Section III Personal Accident Cover for Owner-driver (if Opted and shown in the Policy Schedule)","sources":[{"clause":"Row 3","heading":"Structure","page":1,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-two-wheeler-5-years-irdan134rpmt0002v01202425/document/17559#c-row-3"}],"law":[]},{"key":"third_party","label":"Third-party liability","section":"Cover","meaning":"Compulsory cover for injury, death or property damage to others. Unlimited for death and injury.","status":"quote-verified","value":"The policy indemnifies legal liability for death or bodily injury to any person, including occupants not carried for hire or reward, and damage to third-party property. The prospectus states Third party injury/death is Unlimited and third-party property damage is Rs.6000/Rs. 7.5 lakhs.","display":"Third party injury/death: Unlimited; third-party property damage: Rs.6000/Rs. 7.5 lakhs","note":"Property damage limit depends on the schedule/option.","quote":"a) Death of or bodily injury to any person, including occupants carried in the vehicle (provided such occupants are not carried for hire or reward) ... b) Damage to property other than property belonging to the insured or held in trust or the custody or control of the insured. ... Third party (Injury / Death) | Unlimited\nThird 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-two-wheeler-5-years-irdan134rpmt0002v01202425/document/17562#c-1-a"},{"clause":"1(b)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-two-wheeler-5-years-irdan134rpmt0002v01202425/document/17562#c-1-b"},{"clause":null,"heading":"Extent of Insurance Covers","page":49,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-two-wheeler-5-years-irdan134rpmt0002v01202425/document/17557#c-extent-of-insurance-covers"}],"law":[{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch V, I, Paras 1 to 4","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch V, I, Para 7","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 146","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 147","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 150","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 157","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 164","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 161","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 166(3)","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 162","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"idv","label":"Insured declared value (IDV)","section":"Cover","meaning":"The vehicle's insured value: maximum paid for theft or total loss.","status":"quote-verified","value":"The Insured’s Declared Value (IDV) of the vehicle is deemed the sum insured, fixed at commencement of each policy period. It is based on the manufacturer’s listed selling price of the brand and model, adjusted for depreciation, and is the maximum liability for total loss, constructive total loss or cash loss for the year of loss.","display":"IDV is the sum insured, fixed each policy period from manufacturer’s listed selling price adjusted for depreciation","note":null,"quote":"The Insured’s Declared Value (IDV) of the vehicle will be deemed to be the ‘SUM INSURED’ for the purpose of this policy, which is fixed at the commencement of each policy period for the insured vehicle.\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 ... 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-two-wheeler-5-years-irdan134rpmt0002v01202425/document/17562#c-sum-insured-insureds-declared-value-idv"},{"clause":null,"heading":"The schedule of depreciation for fixing the IDV of the vehicle","page":2,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-two-wheeler-5-years-irdan134rpmt0002v01202425/document/17562#c-the-schedule-of-depreciation-for-fixing-the-idv"}],"law":[]},{"key":"depreciation","label":"Depreciation on parts","section":"Limits and co-pay","meaning":"How much of the cost of replaced parts you bear because of age (unless you have zero depreciation).","status":"quote-verified","value":"For replaced parts, rubber/nylon/plastic parts, tyres and tubes, batteries and airbags are depreciated 50%, fibreglass components 30%, glass nil, and other parts by vehicle age from nil to 50%. Painting depreciation is 50% on material cost only; if painting charges are consolidated, 25% of total painting charges is treated as the material component.","display":"50% for rubber/nylon/plastic parts, tyres/tubes, batteries and airbags; 30% fibreglass; nil glass; other parts by age; painting 50% on material cost","note":null,"quote":"For all rubber/nylon/plastic parts, tyres and tubes, batteries, and airbags - 50% ... For fibreglass components - 30% ... For all parts made of glass - Nil ... AGE OF VEHICLE | % OF DEPRECIATION\nNot exceeding 6months | 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% ... Rate of Depreciation for Painting: In the case of painting, the depreciation rate of 50% shall be applied only to the material cost of total painting charges.","sources":[{"clause":"1","heading":"For all rubber/nylon/plastic parts, tyres and tubes, batteries, and airbags - 50%","page":1,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-two-wheeler-5-years-irdan134rpmt0002v01202425/document/17562#c-1"},{"clause":"2","heading":"For fibreglass components - 30%","page":1,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-two-wheeler-5-years-irdan134rpmt0002v01202425/document/17562#c-2"},{"clause":"3","heading":"For all parts made of glass - Nil","page":1,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-two-wheeler-5-years-irdan134rpmt0002v01202425/document/17562#c-3"},{"clause":"4","heading":null,"page":1,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-two-wheeler-5-years-irdan134rpmt0002v01202425/document/17562#c-4"},{"clause":"5","heading":"Rate of Depreciation for Painting","page":1,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-two-wheeler-5-years-irdan134rpmt0002v01202425/document/17562#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 applies on the own-damage section if no claim is made or pending during the preceding year(s), with the table showing 20% to 50% for zero OD claims across policy tenures. It is allowed only if the policy is renewed within 90 days of the previous policy expiry.","display":"20% to 50% on own-damage premium for claim-free years; renewal within 90 days","note":null,"quote":"The 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: ... 1 | 20% | 0% | 0% | 0% | 0% | 0%\n2 | 25% | 20% | 0% | 0% | 0% | 0%\n3 | 35% | 25% | 20% | 0% | 0% | 0%\n4 | 45% | 35% | 25% | 20% | 0% | 0%\n5 | 50% | 45% | 35% | 25% | 20% | 0% ... 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":"A. No Claims Bonus (NCB)","page":5,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-two-wheeler-5-years-irdan134rpmt0002v01202425/document/17562#c-a-no-claims-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":"The endorsement says the insured bears the first amount under Section 1 for every event, including total loss/constructive total loss/cash loss, and the amount to insert is Rs 100 for the appropriate two-wheeler class. If a voluntary deductible is also chosen, the aggregate of compulsory and voluntary deductibles is inserted.","display":"Rs 100/- compulsory deductible for two-wheeler class; aggregate with voluntary deductible if chosen","note":"The actual deductible amount is inserted in the policy schedule/endorsement.","quote":"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 `.............................* ... *1. To insert amount Rs 100/- (as appropriate to the class of vehicle insured)\n2. In respect of a vehicle rated under the respect of a motorised two wheeler not carrying passengers for hire or reward, if any deductible in addition to the compulsory deductible provided in this endorsement is voluntarily borne by the insured, the sum representing the aggregate of the compulsory and the voluntary deductibles is to be inserted.","sources":[{"clause":"16","heading":"Compulsory Deductible","page":42,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-two-wheeler-5-years-irdan134rpmt0002v01202425/document/17562#c-16-2"}],"law":[]},{"key":"deductible","label":"Voluntary deductible","section":"Limits and co-pay","meaning":"An extra amount per claim you choose to bear for a lower premium.","status":"quote-verified","value":"A voluntary deductible is available for motorized two wheelers other than for hire or reward. If opted, the insured bears the first opted amount under Section 1 for each event, including total loss, constructive total loss and cash loss.","display":"Available if opted; insured bears the first opted amount for each Section 1 event","note":"The amount is to be inserted in the policy schedule/endorsement.","quote":"(For motorized two wheelers other than for hire or reward)\nIt 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.\nIn 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 `.............................***","sources":[{"clause":"17","heading":"Voluntary Deductible","page":42,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-two-wheeler-5-years-irdan134rpmt0002v01202425/document/17562#c-17-2"}],"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 personal accident cover pays compensation for death, loss of limbs/sight and permanent total disablement, with total liability not exceeding Rs. 15 lakhs during any one period of insurance. The owner-driver must be the registered owner, named insured, and hold an effective driving licence at the time of accident.","display":"Up to Rs. 15 lakhs for owner-driver; registered owner, named insured and effective driving licence required","note":"The CIS describes this cover as applying if opted and shown in the Policy Schedule.","quote":"PERSONAL ACCIDENT COVER FOR OWNER-DRIVER The Company undertakes to pay compensation as per the following scale for bodily injury/ death sustained by the ownerdriver of the vehicle ... I) Compensation shall be payable under only one of the items (i) to (iv) above in respect of the owner-driver arising out of any one occurrence, and 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":null,"page":3,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-two-wheeler-5-years-irdan134rpmt0002v01202425/document/17562#c-section-iii"},{"clause":null,"heading":"This cover is subject to","page":4,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-two-wheeler-5-years-irdan134rpmt0002v01202425/document/17562#c-this-cover-is-subject-to"}],"law":[{"title":"Enhancement of Capital Sum Insured in Compulsory Personal Accident Cover for Owner-Driver under Motor Insurance Policies","section":"Para 4(i) to (iii)","url":"https://indiainsurances.com/law/irdai-motor-cpa-2018"},{"title":"Compulsory Personal Accident Insurance for Owner-Driver under Motor Insurance","section":"Paras 1 and 2","url":"https://indiainsurances.com/law/irdai-motor-cpa-choice-2018"},{"title":"Cover for Compulsory Personal Accident (CPA) for Owner-Driver under Motor Insurance Policies","section":"Para 3","url":"https://indiainsurances.com/law/irdai-motor-cpa-standalone-2018"},{"title":"Cover for Compulsory Personal Accident (CPA) for Owner-Driver under Motor Insurance Policies","section":"Para 4(iv) to (viii)","url":"https://indiainsurances.com/law/irdai-motor-cpa-standalone-2018"}]},{"key":"addons","label":"Add-ons offered","section":"Cover","meaning":"Zero depreciation, engine protect, return to invoice, roadside assistance, consumables...","status":"quote-verified","value":["Depreciation Waiver","Cost of Consumable","Return to Invoice","Road Side Assistance","Engine Protector","Accidental Hospitalization Clause for Family","Hospital Daily Cash Cover","Key Replacement","Loss of Driving License/ Registration Certification","Daily Cash Allowance Benefit","Secure Towing (Higher towing & removal costs)","Additional Personal Accident Cover","Helmet Cover","Battery Protect Cover","Power Cable and Charger Cover","Vehicle Cyber Protection","Battery Charging Support Cover","Tyre and Rim Secure","EMI Protect","Emergency Assistance Service"],"display":"Depreciation Waiver, Cost of Consumable, Return to Invoice, Road Side Assistance, Engine Protector, Accidental Hospitalization Clause for Family, Hospital Daily Cash, Key Replacement, Loss of Driving License/RC, Daily Cash Allowance, Secure Towing, Additional PA, Helmet, Battery Protect, Power Cable and Charger, Vehicle Cyber Protection, Battery Charging Support, Tyre and Rim Secure, EMI Protect, Emergency Assistance Service","note":"These are optional/add-on covers and apply only if opted and subject to their terms.","quote":"1 Depreciation Waiver ... 2 Cost of Consumable ... 3 Return to Invoice ... 4 Road Side Assistance ... 5 Engine Protector ... 6. Accidental Hospitalization Clause for Family ... 7 Hospital Daily Cash Cover ... 8 Key Replacement ... 9 Loss of Driving License/ Registration Certification ... 10 Daily Cash Allowance Benefit ... 11 Secure Towing (Higher towing & removal costs) ... 12 Additional Personal Accident Cover ... 13 Helmet Cover ... 14 Battery Protect Cover ... 15 Power Cable and Charger Cover ... 16 Vehicle Cyber Protection ... 17 Battery Charging Support Cover ... 18 Tyre and Rim Secure ... 19. EMI Protect ... 20.Emergency Assistance Service","sources":[{"clause":"1","heading":"Depreciation Waiver","page":9,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-two-wheeler-5-years-irdan134rpmt0002v01202425/document/17562#c-1-3"},{"clause":"2","heading":"Cost of Consumable","page":9,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-two-wheeler-5-years-irdan134rpmt0002v01202425/document/17562#c-2-3"},{"clause":"3","heading":"Return to Invoice","page":10,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-two-wheeler-5-years-irdan134rpmt0002v01202425/document/17562#c-3-3"},{"clause":"4","heading":"Road Side Assistance","page":11,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-two-wheeler-5-years-irdan134rpmt0002v01202425/document/17562#c-4-3"},{"clause":"5","heading":"Engine Protector","page":14,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-two-wheeler-5-years-irdan134rpmt0002v01202425/document/17562#c-5-3"},{"clause":null,"heading":"Conditions","page":15,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-two-wheeler-5-years-irdan134rpmt0002v01202425/document/17562#c-conditions-3"},{"clause":"7","heading":"Hospital Daily Cash Cover","page":15,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-two-wheeler-5-years-irdan134rpmt0002v01202425/document/17562#c-7"},{"clause":"8","heading":"Key Replacement","page":16,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-two-wheeler-5-years-irdan134rpmt0002v01202425/document/17562#c-8"},{"clause":"9","heading":"Loss of Driving License/ Registration Certification","page":16,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-two-wheeler-5-years-irdan134rpmt0002v01202425/document/17562#c-9"},{"clause":"10","heading":"Daily Cash Allowance Benefit","page":16,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-two-wheeler-5-years-irdan134rpmt0002v01202425/document/17562#c-10"},{"clause":"11","heading":"Secure Towing (Higher towing & removal costs)","page":17,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-two-wheeler-5-years-irdan134rpmt0002v01202425/document/17562#c-11"},{"clause":"12","heading":"Additional Personal Accident Cover","page":17,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-two-wheeler-5-years-irdan134rpmt0002v01202425/document/17562#c-12"},{"clause":"13","heading":"Helmet Cover","page":18,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-two-wheeler-5-years-irdan134rpmt0002v01202425/document/17562#c-13"},{"clause":"14","heading":"Battery Protect Cover","page":18,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-two-wheeler-5-years-irdan134rpmt0002v01202425/document/17562#c-14"},{"clause":"15","heading":"Power Cable and Charger Cover","page":20,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-two-wheeler-5-years-irdan134rpmt0002v01202425/document/17562#c-15"},{"clause":"16","heading":"Vehicle Cyber Protection","page":20,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-two-wheeler-5-years-irdan134rpmt0002v01202425/document/17562#c-16"},{"clause":"17","heading":"Battery Charging Support Cover","page":22,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-two-wheeler-5-years-irdan134rpmt0002v01202425/document/17562#c-17"},{"clause":"18","heading":"Tyre and Rim Secure","page":23,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-two-wheeler-5-years-irdan134rpmt0002v01202425/document/17562#c-18"},{"clause":null,"heading":"19. EMI Protect","page":24,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-two-wheeler-5-years-irdan134rpmt0002v01202425/document/17562#c-19-emi-protect"},{"clause":null,"heading":"20.Emergency Assistance Service","page":25,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-two-wheeler-5-years-irdan134rpmt0002v01202425/document/17562#c-20-emergency-assistance-service"}],"law":[]},{"key":"cashless_garages","label":"Cashless garages","section":"Claims","meaning":"Whether repairs can be cashless at network garages.","status":"quote-verified","value":"Cashless repair is available at network garages: after the repair invoice is submitted, a delivery order is shared with the workshop and the insurance claim amount is paid directly to the network garage.","display":"Yes, cashless claims paid directly to the network garage","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":"Section III","heading":"Personal Accident Cover For Owner-Driver (if opted and","page":13,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-two-wheeler-5-years-irdan134rpmt0002v01202425/document/17559#c-section-iii-4"}],"law":[]},{"key":"motor_exclusions","label":"Main motor exclusions","section":"Exclusions","meaning":"No valid licence, drunk driving, use outside the permitted purpose, wear and tear...","status":"quote-verified","value":["under the influence of intoxicating liquor or drugs","outside the geographical area","Being used otherwise than in accordance with the ‘Limitations as to Use","person other than a Driver as stated in the Driver's Clause","Hire or Reward","Carriage of goods (other than samples or personal luggage)","Organized racing","Pacemaking","Speed testing","Reliability Trials","Any purpose in connection with Motor Trade","holds an effective Driving license at the time of the accident","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","vehicle is not being registered permanently","minor scratches to the vehicle, paint fading, wear and tear"],"display":"Drunk/intoxicated driving, outside geographical area, use outside limitations, unauthorised/no effective licence, hire or reward, goods carriage, racing, pacemaking, speed testing, reliability trials, motor trade use, consequential loss/depreciation/wear and tear/mechanical or electrical breakdown, tyre/tube damage unless vehicle damaged, non-permanent registration, and minor scratches/paint fading","note":null,"quote":"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 ... The Policy covers the 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. Pacemaking E. Speed testing F. Reliability Trials G. Any purpose in connection with Motor Trade ... Any person, including the insured, provided that a person driving holds an effective Driving license at the time of the accident ... 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 ... 7 | Any accidental loss, damage, and/or liability caused, sustained, or incurred while the vehicle is 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 touchup 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-two-wheeler-5-years-irdan134rpmt0002v01202425/document/17562#c-5"},{"clause":null,"heading":"General Exclusions","page":4,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-two-wheeler-5-years-irdan134rpmt0002v01202425/document/17562#c-general-exclusions"},{"clause":null,"heading":"Limitations as to use","page":8,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-two-wheeler-5-years-irdan134rpmt0002v01202425/document/17562#c-limitations-as-to-use"},{"clause":null,"heading":"Driver’s Clause","page":8,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-two-wheeler-5-years-irdan134rpmt0002v01202425/document/17562#c-drivers-clause"}],"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). It is fixed at the commencement of each policy period from the manufacturer’s listed selling price of the vehicle and accessories, adjusted for depreciation.","display":"IDV, fixed from manufacturer’s listed selling price adjusted for depreciation","note":null,"quote":"The Insured’s Declared Value (IDV) of the vehicle will be deemed to be the ‘SUM INSURED’ for the purpose of this policy, which is fixed at the commencement of each policy period for the insured vehicle.\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","sources":[{"clause":null,"heading":"Sum Insured, Insured’s Declared Value (IDV)","page":2,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-two-wheeler-5-years-irdan134rpmt0002v01202425/document/17562#c-sum-insured-insureds-declared-value-idv"}],"law":[]}],"documents":[{"kind":"wording","label":"Motor Two-Wheeler - 5 Years - Policy Wordings","pages":46,"fetched_at":"2026-10-17 20:07:38+00","source_url":"https://www.universalsompo.com/assets/file/motort-two-wheeler-5yr/policy-wordings.pdf","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-two-wheeler-5-years-irdan134rpmt0002v01202425/document/17562"},{"kind":"wording","label":"Motor Two Wheeler - 5 Years - Policy Wording","pages":11,"fetched_at":"2026-10-17 20:17:13+00","source_url":"https://www.universalsompo.com/assets/file/withdrawn-products/withdrawn-products-1/motor-two-wheeler-5-years/policy-wordings.pdf","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-two-wheeler-5-years-irdan134rpmt0002v01202425/document/17828"},{"kind":"wording","label":"Motor Two Wheeler - 5 Years (IRDAI copy)","pages":21,"fetched_at":"2026-10-20 00:43:39+00","source_url":"https://irdai.gov.in/documents/37343/993134/IRDAN134RP0004V01201819_GEN2875.pdf/9c08661a-8a76-b942-e7d8-f80458283075?version=1.1&t=1668701494506&download=true","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-two-wheeler-5-years-irdan134rpmt0002v01202425/document/24443"},{"kind":"prospectus","label":"Motor Two-Wheeler - 5 Years - Prospectus / Brochure","pages":50,"fetched_at":"2026-10-17 20:07:32+00","source_url":"https://www.universalsompo.com/assets/file/motort-two-wheeler-5yr/prospectus.pdf","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-two-wheeler-5-years-irdan134rpmt0002v01202425/document/17557"},{"kind":"prospectus","label":"Motor Two Wheeler - 5 Years - Prospectus/Sales Literature","pages":4,"fetched_at":"2026-10-17 20:17:09+00","source_url":"https://www.universalsompo.com/assets/file/withdrawn-products/withdrawn-products-1/motor-two-wheeler-5-years/prospectus.pdf","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-two-wheeler-5-years-irdan134rpmt0002v01202425/document/17824"},{"kind":"cis","label":"Motor Two-Wheeler - 5 Years - CIS","pages":18,"fetched_at":"2026-10-17 20:07:41+00","source_url":"https://www.universalsompo.com/assets/file/motort-two-wheeler-5yr/cis.pdf","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-two-wheeler-5-years-irdan134rpmt0002v01202425/document/17559"}],"versions":[{"uin":"IRDAN134RP0004V01201819","version":null,"approved_on":null},{"uin":"IRDAN134RPMT0002V01202425","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 Two-Wheeler - 5 Years (UIN IRDAN134RPMT0002V01202425), IndiaInsurances, https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-two-wheeler-5-years-irdan134rpmt0002v01202425"}