{"uin":"IRDAN134RPMT0053V02202526","name":"Flexi Stand Alone Motor Own Damage Policy Private Car","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/flexi-stand-alone-motor-own-damage-policy-private-car-irdan134rpmt0053v02202526","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":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"This is a standalone own damage private car policy with policy tenure up to 3 years. It covers own-damage perils to the insured vehicle on an IDV basis, with claim intimation required within 15 days for own-damage loss and within 24 hours for theft and fire claims.","analysis":{"state":"machine","analysed_at":"2026-10-20 06:29:30.462287+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":"The documents list add-on cover plans, but do not state named base-product plan variants.","quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"Policy tenure is up to 3 years.","display":"Up to 3 years","note":null,"quote":"The policy will be applicable if the expiry of the own damage policy is on or before the expiry of the third-party liability policy. The policy tenure is up to 3 years.","sources":[{"clause":null,"heading":"STANDARD FORM FOR STAND-ALONE OWN DAMAGE PRIVATE CAR INSURANCE POLICY","page":1,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/flexi-stand-alone-motor-own-damage-policy-private-car-irdan134rpmt0053v02202526/document/17586#c-standard-form-for-stand-alone-own-damage-private"}],"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":"The insured should intimate the Company within 15 days for own-damage partial or complete loss, and within 24 hours for theft and fire claims. Delay may be condoned on merit if beyond the insured's control and reasons with reasonable proof are provided in writing.","display":"Within 15 days for OD loss; within 24 hours for theft and fire claims","note":null,"quote":"The insured should intimate the Company within 15 days in case of OD (partial loss and complete loss) and within 24 hours in case of theft and fire claims of the happening of loss or damage. The Company may, in its sole discretion, condone the delay in notification of claim on merit where the delay is proved to be beyond Insured’s control, and the insured provides the Company with the reasons for delay in writing along with reasonable proof.","sources":[{"clause":null,"heading":"CLAIM PROCEDURE","page":39,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/flexi-stand-alone-motor-own-damage-policy-private-car-irdan134rpmt0053v02202526/document/17586#c-claim-procedure"}],"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)","Original Sale Invoice in Name of Insured, Notarised Consent if opted RTI cover for Total Loss/ Constructive Total Loss Motor OD Claims","For Hypothecated cases- Loan Account Statement, NEFT details of Loan Account, Foreclosure Letter","If no Hypothecation Or after Loan Closer Bank NOC and Form 35 duly stamped and signed by Financer, Notarized Consent from Insured","For Personal Accident Cover For Owner-Driver claims: Claim Form, Policy Copy, RC Book, driving licence documents, insured and nominee identity/address documents, nominee documents, FIR/GD Entry, Punchanama, Postmortem Report, MLC report, Final Report or Final Charge Sheet, Insured Death Certificate and hospital records"],"display":"Claim form, RC, driving licence, estimate, KYC/ID/address proofs, bank mandate, FIR/Punchanama where applicable, medical/death documents where applicable, repair bill and extra TL/hypothecation documents","note":null,"quote":"1. Claim Form\n2. Vehicle Registration Certificate (RC Book),\n3. Driving Licence of Driver at the time of Loss\n4. Estimate\n5. Address Proof- Electric Bill / Voter Card/ Passport / Adhar Card\n6. Identity Proof- Adhar Card / Pan Card\n7. CKYC form\n8. Discharge cum Satisfaction Voucher\n9. Payment Receipt (If non cashless case)\n10. Neft Mandate Form / Cancel CTS Chq/ Passbook\n11. Police FIR copy (in case of Full theft or TP injury) and also in case of any malicious act\n12. Punchanama (in case of Partial Theft or TP injury)\n13. Postmortem Report (In case of driver death)\n14. MLC report (In case of Driver / passenger Injury/Driver death)\n15. Repair Bill (After completion of repair work)\n*IF TP Injury Above product with Police FIR copy, Punchnama copy, MLC reports\n*If Driver death Above product wise basic documents with Police FIR copy, Punchnama copy, MLC reports, Post Mortem report\nAdditional Document for Total Loss/ Constructive Total Loss Motor OD Claims If opted RTI cover- Original Sale Invoice in Name of Insured, Notarised Consent ... Loan Account Statement, NEFT details of Loan Account, Foreclosure Letter ... Bank NOC and Form 35 duly stamped and signed by Financer, Notarized Consent from Insured ... 1. Claim Form,\n2. Policy Copy,\n3. Vehicle Registration Certificate (RC Book), ... 19. Police FIR copy , GD Entry\n20. Punchanama\n21. Postmortem Report (In case of Driver death)\n22. MLC report (In case of Driver / passenger Injury/Driver death)\n23. Final Report or Final Charge Sheet If (FIR)\n24. Insured Death Certificate\n25. Hospital records if any.","sources":[{"clause":null,"heading":"List of Documents","page":41,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/flexi-stand-alone-motor-own-damage-policy-private-car-irdan134rpmt0053v02202526/document/17586#c-list-of-documents"},{"clause":null,"heading":"For Hypothecated cases-","page":42,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/flexi-stand-alone-motor-own-damage-policy-private-car-irdan134rpmt0053v02202526/document/17586#c-for-hypothecated-cases"},{"clause":null,"heading":"If no Hypothecation Or after Loan Closer","page":42,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/flexi-stand-alone-motor-own-damage-policy-private-car-irdan134rpmt0053v02202526/document/17586#c-if-no-hypothecation-or-after-loan-closer"},{"clause":null,"heading":"List of Documents - Personal Accident Cover For Owner-Driver","page":44,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/flexi-stand-alone-motor-own-damage-policy-private-car-irdan134rpmt0053v02202526/document/17586#c-list-of-documents-personal-accident-cover-for-ow"}],"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 is within 24hrs from claim intimation, survey completion within 24hrs of surveyor appointment, surveyor report submission within 15 days from date of survey, settlement or claim decision within 7 days from receipt of surveyor report, and non-cashless claim payment within 15 days of receipt of the last relevant and necessary document.","display":"Surveyor within 24hrs; decision within 7 days of surveyor report; non-cashless payment within 15 days of last relevant 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.","sources":[{"clause":null,"heading":"List of Documents - Personal Accident Cover For Owner-Driver","page":44,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/flexi-stand-alone-motor-own-damage-policy-private-car-irdan134rpmt0053v02202526/document/17586#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 to any property whatsoever or any loss or expense whatsoever resulting or arising there from or any consequential loss","Ionising radiations or contamination by radioactivity from any nuclear fuel","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","While vehicle not being registered permanently","Any minor scratches to the vehicle, paint fading, wear and tear arising out of normal use"],"display":"Consequential loss, wear and tear, breakdown, tyres/tubes unless vehicle damaged, accessories theft unless vehicle stolen, drunk/drug driving, outside geographical area, contractual liability, use/licence breaches, nuclear/war risks, no permanent registration and minor scratches","note":null,"quote":"a) Consequential loss, depreciation, wear and tear, mechanical or electrical breakdown, failures or breakages ... b) Damage to tyres and tubes unless the vehicle is damaged at the same time in which case the liability of the company shall be limited to 50% of the cost of replacement. ... c) Loss or damage to accessories by burglary, housebreaking or theft unless the vehicle is stolen at the same time, and ... d) any accidental loss or damage suffered whilst the insured or any person driving the vehicle with the knowledge and consent of the insured is under the influence of intoxicating liquor or 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. Any accidental loss or damage to any property whatsoever or any loss or expense whatsoever resulting or arising there from or any consequential loss\n5. Any liability of whatsoever nature directly or indirectly caused by or contributed to by or arising from ionising radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel. ... 6. Any accidental loss or damage or liability directly or indirectly caused by or contributed to by or arising from nuclear weapons material\n7. 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 ... 8. Any accidental loss, damage and/or liability caused, sustained or incurred, while vehicle not being registered permanently will not be covered (until permanent valid registration number is issued to the Vehicle)\n9. 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(a)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/flexi-stand-alone-motor-own-damage-policy-private-car-irdan134rpmt0053v02202526/document/17586#c-5-a"},{"clause":"5(b)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/flexi-stand-alone-motor-own-damage-policy-private-car-irdan134rpmt0053v02202526/document/17586#c-5-b"},{"clause":"5(c)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/flexi-stand-alone-motor-own-damage-policy-private-car-irdan134rpmt0053v02202526/document/17586#c-5-c"},{"clause":"5(d)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/flexi-stand-alone-motor-own-damage-policy-private-car-irdan134rpmt0053v02202526/document/17586#c-5-d"},{"clause":null,"heading":"GENERAL EXCLUSIONS (Applicable to all sections of Policy)","page":35,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/flexi-stand-alone-motor-own-damage-policy-private-car-irdan134rpmt0053v02202526/document/17586#c-general-exclusions-applicable-to-all-sections-of"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"First write to Customer Service at Universal Sompo General Insurance Co. Ltd., 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":"Customer Service / grievance@universalsompo.com first; 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\nFor 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: ... 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":45,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/flexi-stand-alone-motor-own-damage-policy-private-car-irdan134rpmt0053v02202526/document/17586#c-resolving-issue"},{"clause":null,"heading":"Grievance Redressal Officer","page":45,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/flexi-stand-alone-motor-own-damage-policy-private-car-irdan134rpmt0053v02202526/document/17586#c-grievance-redressal-officer"},{"clause":null,"heading":"Customer Service","page":45,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/flexi-stand-alone-motor-own-damage-policy-private-car-irdan134rpmt0053v02202526/document/17586#c-customer-service"}],"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 and 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, terrorism, 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 and 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":"LOSS OF OR DAMAGE TO THE VEHICLE INSURED","page":1,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/flexi-stand-alone-motor-own-damage-policy-private-car-irdan134rpmt0053v02202526/document/17586#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 terms up to one year, if no claim has been made, the Company refunds proportional premium for the unexpired policy period; for terms over 12 months, it refunds premium for unexpired policy years whose risk coverage has not commenced. Minimum premium retention applies.","display":"Proportional refund for unexpired period if term up to one year and no claim; for terms over 12 months, refund for unexpired 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 such case of cancelation, the Company will refund the 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. In case the term of the policy is more than 12 months, the Company will refund premium for the unexpired policy period, in respect of policy with the term more than one year and the risk coverage for such policy years has not commenced. ... Return of the premium by the company will be subject to retention of the minimum premium of Rs.100/- (or Rs.25/- in respect of vehicles specifically designed/modified for use by blind/handicapped/mentally challenged persons).","sources":[{"clause":"32(c)","heading":null,"page":37,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/flexi-stand-alone-motor-own-damage-policy-private-car-irdan134rpmt0053v02202526/document/17586#c-32-c"},{"clause":null,"heading":"Cancellation of Policy in Double Insurance","page":38,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/flexi-stand-alone-motor-own-damage-policy-private-car-irdan134rpmt0053v02202526/document/17586#c-cancellation-of-policy-in-double-insurance-2"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"not-stated","value":null,"display":null,"note":"The base policy refers to loss outside the geographical area and has an IMT extension for countries, but the base geographical area itself is not stated in the provided wording.","quote":null,"sources":[],"law":[]},{"key":"cover_types","label":"Cover types","section":"Cover","meaning":"Comprehensive, standalone own damage, third-party only.","status":"quote-verified","value":["standalone own damage"],"display":"Standalone own damage","note":null,"quote":"STANDARD FORM FOR STAND-ALONE OWN DAMAGE PRIVATE CAR INSURANCE POLICY ... The policy will be applicable if the expiry of the own damage policy is on or before the expiry of the third-party liability policy.","sources":[{"clause":null,"heading":"STANDARD FORM FOR STAND-ALONE OWN DAMAGE PRIVATE CAR INSURANCE POLICY","page":1,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/flexi-stand-alone-motor-own-damage-policy-private-car-irdan134rpmt0053v02202526/document/17586#c-standard-form-for-stand-alone-own-damage-private"}],"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":"Third-party liability is not the cover type of this product. The policy is a stand-alone own damage private car policy and is applicable if the own damage policy expires on or before the third-party liability policy.","display":"Not included as a cover type; standalone own damage policy used with an existing third-party liability policy","note":null,"quote":"STANDARD FORM FOR STAND-ALONE OWN DAMAGE PRIVATE CAR INSURANCE POLICY ... The policy will be applicable if the expiry of the own damage policy is on or before the expiry of the third-party liability policy. ... Structure | Indemnity Basis: Section - Own Damage Benefit Basis: Section - Personal Accident Cover for Owner-driver (if opted)","sources":[{"clause":null,"heading":"STANDARD FORM FOR STAND-ALONE OWN DAMAGE PRIVATE CAR INSURANCE POLICY","page":1,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/flexi-stand-alone-motor-own-damage-policy-private-car-irdan134rpmt0053v02202526/document/17586#c-standard-form-for-stand-alone-own-damage-private"},{"clause":"Row 3","heading":"Structure","page":1,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/flexi-stand-alone-motor-own-damage-policy-private-car-irdan134rpmt0053v02202526/document/17587#c-row-3"}],"law":[{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch V, I, Paras 1 to 4","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch V, I, Para 7","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 146","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 147","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 150","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 157","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 164","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 161","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 166(3)","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 162","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"idv","label":"Insured declared value (IDV)","section":"Cover","meaning":"The vehicle's insured value: maximum paid for theft or total loss.","status":"quote-verified","value":"The Insured’s Declared Value (IDV) is deemed to be the sum insured, fixed at the commencement of each policy period based on the manufacturer’s listed selling price adjusted for depreciation. For vehicles beyond 5 years and obsolete models it is determined by understanding between the Company and insured, and is treated as market value for TL/CTL claims; liability is not more than the IDV mentioned in the policy schedule.","display":"IDV is the sum insured and maximum liability for total loss/constructive total loss/cash loss, subject to policy terms","note":null,"quote":"The Insured’s Declared Value (IDV) of the vehicle will be deemed to be the ‘SUM INSURED’ for the purpose of this policy which is fixed at the commencement of each policy period for the insured vehicle. The IDV of the vehicle (and accessories if any fitted to the vehicle) is to be fixed on the basis of the manufacturer’s listed selling price of the brand and model as the vehicle insured at the commencement of insurance/renewal and adjusted for depreciation (as per schedule below). ... IDV of vehicles beyond 5 years of age and of obsolete models of the vehicles (i.e. models which the manufacturers have discontinued to manufacture) is to be determined on the basis of an understanding between the Company and the insured. 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. ... If there is total loss, constructive total loss, or cash loss, the company's liability will not be more than the Insured Declared Value (IDV) of the vehicle, as mentioned in the policy schedule.","sources":[{"clause":"5(c)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/flexi-stand-alone-motor-own-damage-policy-private-car-irdan134rpmt0053v02202526/document/17586#c-5-c-2"},{"clause":null,"heading":"The schedule of depreciation for fixing IDV of the vehicle","page":2,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/flexi-stand-alone-motor-own-damage-policy-private-car-irdan134rpmt0053v02202526/document/17586#c-the-schedule-of-depreciation-for-fixing-idv-of-t"}],"law":[]},{"key":"depreciation","label":"Depreciation on parts","section":"Limits and co-pay","meaning":"How much of the cost of replaced parts you bear because of age (unless you have zero depreciation).","status":"quote-verified","value":"For replaced parts, depreciation is 50% for rubber/nylon/plastic parts, tyres and tubes, batteries and air bags; 30% for fiber glass components; nil for glass parts. Other parts including wooden parts have age-based depreciation from nil for vehicles not exceeding 6 months to 50% for vehicles exceeding 10 years; painting has 50% depreciation on material cost of painting charges, or material is treated as 25% of total painting charges if the bill is consolidated.","display":"50% rubber/nylon/plastic, tyres/tubes, batteries and air bags; 30% fibre glass; nil glass; other parts nil to 50% by vehicle age; painting 50% on material cost","note":null,"quote":"For all rubber/nylon/plastic parts, tyres and tubes, batteries, and air bags - 50% ... For fiber glass components - 30% ... For all parts made of glass - Nil ... Rate of depreciation for all other parts including wooden parts will be as per the following schedule.\nAGE OF VEHICLE | % OF DEPRECIATION\nNot exceeding 6months | Nil\nExceeding 6months 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 on the material cost of total painting charges. In case of a consolidated bill for painting charges, the material component shall be considered as 25% of total painting charges for the purpose of applying the depreciation.","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/flexi-stand-alone-motor-own-damage-policy-private-car-irdan134rpmt0053v02202526/document/17586#c-1"},{"clause":"2","heading":"For fiber glass components - 30%","page":1,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/flexi-stand-alone-motor-own-damage-policy-private-car-irdan134rpmt0053v02202526/document/17586#c-2"},{"clause":"3","heading":"For all parts made of glass - Nil","page":1,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/flexi-stand-alone-motor-own-damage-policy-private-car-irdan134rpmt0053v02202526/document/17586#c-3"},{"clause":"4","heading":null,"page":1,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/flexi-stand-alone-motor-own-damage-policy-private-car-irdan134rpmt0053v02202526/document/17586#c-4"},{"clause":"5","heading":"Rate of Depreciation for Painting","page":2,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/flexi-stand-alone-motor-own-damage-policy-private-car-irdan134rpmt0053v02202526/document/17586#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":"NCB applies on the Own Damage section if no claim is made or pending during the preceding years. For policy tenure of 12 months or more, the table gives 20%, 25%, 35%, 45% and 50% levels, with maximum capping at 50%, and NCB is allowed if renewed within 90 days of the previous policy expiry.","display":"Own-damage NCB for claim-free years, generally 20% to 50%, renewed within 90 days","note":"The wording also contains a sunset clause preserving 55% or 65% for specified legacy renewals until a claim arises.","quote":"The insured is entitled to receive 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 table below: ... a) For a policy tenure of equal to or more than 12 months:\nNo. of claim | NCB at inception | 1st year | 2nd year | 3rd year\nNo claim | 0% | 20% | 25% | 35%\n20% | 25% | 35% | 45%\n25% | 35% | 45% | 50%\n35% | 45% | 50% | 50%\n45% | 50% | 50% | 50%\n50% | 50% | 50% | 50% ... Maximum capping for NCB will be 50% subject to sunset clause. ... 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":38,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/flexi-stand-alone-motor-own-damage-policy-private-car-irdan134rpmt0053v02202526/document/17586#c-no-claim-bonus-ncb"},{"clause":"Row 2(a)","heading":null,"page":39,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/flexi-stand-alone-motor-own-damage-policy-private-car-irdan134rpmt0053v02202526/document/17586#c-row-2-a"},{"clause":"Row 2(b)","heading":null,"page":39,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/flexi-stand-alone-motor-own-damage-policy-private-car-irdan134rpmt0053v02202526/document/17586#c-row-2-b"}],"law":[]},{"key":"compulsory_deductible","label":"Compulsory deductible","section":"Limits and co-pay","meaning":"Fixed amount you pay on every own-damage claim.","status":"not-stated","value":null,"display":null,"note":"The wording says the deductible is stated in the schedule and the IMT endorsement contains only a placeholder amount, not this product's fixed rupee amount.","quote":null,"sources":[],"law":[]},{"key":"deductible","label":"Voluntary deductible","section":"Limits and co-pay","meaning":"An extra amount per claim you choose to bear for a lower premium.","status":"quote-verified","value":"The insured can opt for a voluntary deductible, with a premium reduction under Section 1. If opted, the insured bears the first aggregate amount of the voluntary deductible and the compulsory deductible for each event under Section 1.","display":"Optional voluntary deductible; amount as opted and inserted in the policy","note":"The actual voluntary deductible amount is not printed in the wording; it is to be inserted for the deductible opted by the insured.","quote":"It is by declared and agreed that the insured having opted a voluntary deductible of Rs. ............* a reduction in premium of Rs. .......** 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 ) the first Rs.........***","sources":[{"clause":null,"heading":"IMT 22A. VOLUNTARY DEDUCTIBLE","page":53,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/flexi-stand-alone-motor-own-damage-policy-private-car-irdan134rpmt0053v02202526/document/17586#c-imt-22a-voluntary-deductible"}],"law":[]},{"key":"pa_owner_driver","label":"Personal accident cover for owner-driver","section":"Cover","meaning":"Compulsory PA cover for the owner-driver.","status":"quote-verified","value":"The owner-driver personal accident cover pays compensation for specified death or bodily injury, with total liability not exceeding Rs. 15 lakhs during any one period of insurance. It applies subject to the owner-driver being the registered owner, named insured and holding an effective driving licence; the CIS states it is if opted and shown in the policy schedule.","display":"Owner-driver PA up to Rs. 15 lakhs, if opted/shown in schedule","note":null,"quote":"The Company undertakes to pay compensation as per the following scale for bodily injury/ death sustained by the owner-driver of the vehicle ... I) Compensation shall be payable under only one of the items (i) to (iv) above in respect of the ownerdriver 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. ... Personal accident cover for owner-driver (if opted and shown in the Policy Schedule)","sources":[{"clause":"Section II","heading":"PERSONAL ACCIDENT COVER FOR OWNER-DRIVER","page":3,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/flexi-stand-alone-motor-own-damage-policy-private-car-irdan134rpmt0053v02202526/document/17586#c-section-ii"},{"clause":null,"heading":"This cover is subject to","page":3,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/flexi-stand-alone-motor-own-damage-policy-private-car-irdan134rpmt0053v02202526/document/17586#c-this-cover-is-subject-to"},{"clause":"Row 6","heading":"Policy Coverage","page":2,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/flexi-stand-alone-motor-own-damage-policy-private-car-irdan134rpmt0053v02202526/document/17587#c-row-6"}],"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","Return to Invoice","Engine Protect","Cost of Consumable","Tyre and Rim Cover","Key Replacement Cover","Loss of Personal Belonging","Roadside Assistance","NCB Protector","Daily Cash Allowance Benefit","Preferred Garage Network","Secure Towing (Higher Towing & Removal Costs)","Additional Expense Coverage Clause","Accidental Hospitalization Clause for Family","Hospital Daily Cash Cover","Loss of Driving License/ Registration Certificate","Wrong Fuel Cover","Emergency Assistance Services","No Fault Protection","Additional Personal Accident Cover","Pet Cover","Battery Protect Cover","Vehicle Cyber Protection","Power Cable and Charger Cover","Battery Charging Support Cover","EMI Protection","Electric Motor Protect Cover","Accidental Hospitalization for Occupants","Multi-damage","Eco Depreciation Waiver","Pay How you Drive","Legal Assistance"],"display":"Depreciation waiver, return to invoice, engine protect, consumables, tyre and rim, key replacement, personal belongings, roadside assistance, NCB protector, daily cash, preferred garage, secure towing, additional expense, accidental hospitalization, hospital daily cash, DL/RC loss, wrong fuel, emergency assistance, no fault, additional PA, pet, battery, cyber, EV cable/charger, battery charging, EMI, electric motor, occupants hospitalization, multi-damage, eco depreciation, pay-how-you-drive and legal assistance","note":"Add-ons apply only if opted and, where relevant, on payment of additional premium and as mentioned in the policy schedule.","quote":"The Insured can opt for the below Add-on covers: ... 1 Depreciation waiver: UIN: IRDAN134RPMT0053V02202526/A0074V01202526 ... 2 Return to Invoice: UIN: IRDAN134RPMT0053V02202526/A0075V01202526 ... 3 Engine Protect: UIN: IRDAN134RPMT0053V02202526/A0076V01202526 ... 4 Cost of Consumable: UIN: IRDAN134RPMT0053V02202526/A0077V01202526 ... 5 Tyre and Rim Cover: UIN: IRDAN134RPMT0053V02202526/A0078V01202526 ... 6 Key Replacement Cover: UIN: IRDAN134RPMT0053V02202526/A0079V01202526 ... 7 Loss of Personal Belonging: UIN: IRDAN134RPMT0053V02202526/A0085V01202526 ... 8 Roadside Assistance: UIN: IRDAN134RPMT0053V02202526/A0104V01202526 ... 9. NCB Protector: UIN: IRDAN134RPMT0053V02202526/A0086V01202526 ... 10. Daily Cash Allowance Benefit: UIN: IRDAN134RPMT0053V02202526/A0087V01202526 ... 11. Preferred Garage Network: UIN: IRDAN134RPMT0053V02202526/A0088V01202526 ... 12. Secure Towing (Higher Towing & Removal Costs): UIN: ... 13. Additional Expense Coverage Clause: UIN: IRDAN134RPMT0053V02202526/A0090V01202526 ... 14. Accidental Hospitalization Clause for Family: UIN: ... 15. Hospital Daily Cash Cover: UIN: IRDAN134RPMT0053V02202526/A0096V01202526 ... 16. Loss of Driving License/ Registration Certificate: ... 17. Wrong Fuel Cover: UIN: IRDAN134RPMT0053V02202526/A0098V01202526 ... 18. Emergency Assistance Services: UIN: IRDAN134RPMT0053V02202526/A0099V01202526 ... 19. No Fault Protection: UIN: IRDAN134RPMT0053V02202526/A0100V01202526 ... 20. Additional Personal Accident Cover: UIN: IRDAN134RPMT0053V02202526/A0080V01202526 ... 21. Pet Cover: UIN: IRDAN134RPMT0053V02202526/A0091V01202526 ... 22 Battery Protect Cover: UIN: IRDAN134RPMT0053V02202526/A0101V01202526 ... 23 Vehicle Cyber Protection: UIN: IRDAN134RPMT0053V02202526/A0081V01202526 ... 24 Power Cable and Charger Cover: UIN: IRDAN134RPMT0053V02202526/A0092V01202526 ... 25 Battery Charging Support Cover: UIN: IRDAN134RPMT0053V02202526/A0102V01202526 ... 26 EMI Protection: UIN: IRDAN134RPMT0053V02202526/A0082V01202526 ... 27 Electric Motor Protect Cover: UIN: IRDAN134RPMT0053V02202526/A0093V01202526 ... 28 Accidental Hospitalization for Occupants: UIN IRDAN134RPMT0053V02202526/A0103V01202526 ... 29 Multi-damage: UIN: IRDAN134RPMT0053V02202526/A0083V01202526 ... 30 Eco Depreciation Waiver: UIN: IRDAN134RPMT0053V02202526/A0094V01202526 ... 31 Pay How you Drive: UIN: IRDAN134RPMT0053V02202526/A0084V01202526 ... 32 Legal Assistance: UIN: IRDAN134RPMT0053V02202526/A0105V01202526","sources":[{"clause":null,"heading":"ADD_ONs","page":3,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/flexi-stand-alone-motor-own-damage-policy-private-car-irdan134rpmt0053v02202526/document/17586#c-add-ons"},{"clause":"1","heading":"Depreciation waiver: UIN: IRDAN134RPMT0053V02202526/A0074V01202526","page":4,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/flexi-stand-alone-motor-own-damage-policy-private-car-irdan134rpmt0053v02202526/document/17586#c-1-2"},{"clause":"2","heading":"Return to Invoice: UIN: IRDAN134RPMT0053V02202526/A0075V01202526","page":4,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/flexi-stand-alone-motor-own-damage-policy-private-car-irdan134rpmt0053v02202526/document/17586#c-2-2"},{"clause":"3","heading":"Engine Protect: UIN: IRDAN134RPMT0053V02202526/A0076V01202526","page":5,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/flexi-stand-alone-motor-own-damage-policy-private-car-irdan134rpmt0053v02202526/document/17586#c-3-2"},{"clause":"4","heading":"Cost of Consumable: UIN: IRDAN134RPMT0053V02202526/A0077V01202526","page":6,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/flexi-stand-alone-motor-own-damage-policy-private-car-irdan134rpmt0053v02202526/document/17586#c-4-2"},{"clause":"5","heading":"Tyre and Rim Cover: UIN: IRDAN134RPMT0053V02202526/A0078V01202526","page":7,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/flexi-stand-alone-motor-own-damage-policy-private-car-irdan134rpmt0053v02202526/document/17586#c-5-2"},{"clause":"6","heading":"Key Replacement Cover: UIN: IRDAN134RPMT0053V02202526/A0079V01202526","page":8,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/flexi-stand-alone-motor-own-damage-policy-private-car-irdan134rpmt0053v02202526/document/17586#c-6"},{"clause":"7","heading":"Loss of Personal Belonging: UIN: IRDAN134RPMT0053V02202526/A0085V01202526","page":9,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/flexi-stand-alone-motor-own-damage-policy-private-car-irdan134rpmt0053v02202526/document/17586#c-7"},{"clause":"8","heading":"Roadside Assistance: UIN: IRDAN134RPMT0053V02202526/A0104V01202526","page":9,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/flexi-stand-alone-motor-own-damage-policy-private-car-irdan134rpmt0053v02202526/document/17586#c-8"},{"clause":null,"heading":"9. NCB Protector: UIN: IRDAN134RPMT0053V02202526/A0086V01202526","page":14,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/flexi-stand-alone-motor-own-damage-policy-private-car-irdan134rpmt0053v02202526/document/17586#c-9-ncb-protector-uin-irdan134rpmt0053v02202526-a0"},{"clause":null,"heading":"10. Daily Cash Allowance Benefit: UIN: IRDAN134RPMT0053V02202526/A0087V01202526","page":14,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/flexi-stand-alone-motor-own-damage-policy-private-car-irdan134rpmt0053v02202526/document/17586#c-10-daily-cash-allowance-benefit-uin-irdan134rpmt"},{"clause":null,"heading":"11. Preferred Garage Network: UIN: IRDAN134RPMT0053V02202526/A0088V01202526","page":15,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/flexi-stand-alone-motor-own-damage-policy-private-car-irdan134rpmt0053v02202526/document/17586#c-11-preferred-garage-network-uin-irdan134rpmt0053"},{"clause":null,"heading":"IRDAN134RPMT0053V02202526/A0089V01202526","page":15,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/flexi-stand-alone-motor-own-damage-policy-private-car-irdan134rpmt0053v02202526/document/17586#c-irdan134rpmt0053v02202526-a0089v01202526"},{"clause":null,"heading":"IRDAN134RPMT0053V02202526/A0095V01202526","page":16,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/flexi-stand-alone-motor-own-damage-policy-private-car-irdan134rpmt0053v02202526/document/17586#c-irdan134rpmt0053v02202526-a0095v01202526"},{"clause":null,"heading":"15. Hospital Daily Cash Cover: UIN: IRDAN134RPMT0053V02202526/A0096V01202526","page":17,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/flexi-stand-alone-motor-own-damage-policy-private-car-irdan134rpmt0053v02202526/document/17586#c-15-hospital-daily-cash-cover-uin-irdan134rpmt005"},{"clause":null,"heading":"IRDAN134RPMT0053V02202526/A0097V01202526","page":17,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/flexi-stand-alone-motor-own-damage-policy-private-car-irdan134rpmt0053v02202526/document/17586#c-irdan134rpmt0053v02202526-a0097v01202526"},{"clause":null,"heading":"17. Wrong Fuel Cover: UIN: IRDAN134RPMT0053V02202526/A0098V01202526","page":17,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/flexi-stand-alone-motor-own-damage-policy-private-car-irdan134rpmt0053v02202526/document/17586#c-17-wrong-fuel-cover-uin-irdan134rpmt0053v0220252"},{"clause":null,"heading":"18. Emergency Assistance Services: UIN: IRDAN134RPMT0053V02202526/A0099V01202526","page":18,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/flexi-stand-alone-motor-own-damage-policy-private-car-irdan134rpmt0053v02202526/document/17586#c-18-emergency-assistance-services-uin-irdan134rpm"},{"clause":null,"heading":"19. No Fault Protection: UIN: IRDAN134RPMT0053V02202526/A0100V01202526","page":19,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/flexi-stand-alone-motor-own-damage-policy-private-car-irdan134rpmt0053v02202526/document/17586#c-19-no-fault-protection-uin-irdan134rpmt0053v0220"},{"clause":null,"heading":"21. Pet Cover: UIN: IRDAN134RPMT0053V02202526/A0091V01202526","page":20,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/flexi-stand-alone-motor-own-damage-policy-private-car-irdan134rpmt0053v02202526/document/17586#c-21-pet-cover-uin-irdan134rpmt0053v02202526-a0091"},{"clause":"22","heading":"Battery Protect Cover: UIN: IRDAN134RPMT0053V02202526/A0101V01202526","page":21,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/flexi-stand-alone-motor-own-damage-policy-private-car-irdan134rpmt0053v02202526/document/17586#c-22"},{"clause":"23","heading":"Vehicle Cyber Protection: UIN: IRDAN134RPMT0053V02202526/A0081V01202526","page":23,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/flexi-stand-alone-motor-own-damage-policy-private-car-irdan134rpmt0053v02202526/document/17586#c-23"},{"clause":"24","heading":"Power Cable and Charger Cover: UIN: IRDAN134RPMT0053V02202526/A0092V01202526","page":25,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/flexi-stand-alone-motor-own-damage-policy-private-car-irdan134rpmt0053v02202526/document/17586#c-24"},{"clause":"25","heading":"Battery Charging Support Cover: UIN: IRDAN134RPMT0053V02202526/A0102V01202526","page":25,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/flexi-stand-alone-motor-own-damage-policy-private-car-irdan134rpmt0053v02202526/document/17586#c-25"},{"clause":"26","heading":"EMI Protection: UIN: IRDAN134RPMT0053V02202526/A0082V01202526","page":27,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/flexi-stand-alone-motor-own-damage-policy-private-car-irdan134rpmt0053v02202526/document/17586#c-26"},{"clause":"27","heading":"Electric Motor Protect Cover: UIN: IRDAN134RPMT0053V02202526/A0093V01202526","page":28,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/flexi-stand-alone-motor-own-damage-policy-private-car-irdan134rpmt0053v02202526/document/17586#c-27"},{"clause":"28","heading":"Accidental Hospitalization for Occupants: UIN IRDAN134RPMT0053V02202526/A0103V01202526","page":29,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/flexi-stand-alone-motor-own-damage-policy-private-car-irdan134rpmt0053v02202526/document/17586#c-28"},{"clause":"29","heading":"Multi-damage: UIN: IRDAN134RPMT0053V02202526/A0083V01202526","page":31,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/flexi-stand-alone-motor-own-damage-policy-private-car-irdan134rpmt0053v02202526/document/17586#c-29"},{"clause":"30","heading":"Eco Depreciation Waiver: UIN: IRDAN134RPMT0053V02202526/A0094V01202526","page":31,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/flexi-stand-alone-motor-own-damage-policy-private-car-irdan134rpmt0053v02202526/document/17586#c-30"},{"clause":"31","heading":"Pay How you Drive: UIN: IRDAN134RPMT0053V02202526/A0084V01202526","page":32,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/flexi-stand-alone-motor-own-damage-policy-private-car-irdan134rpmt0053v02202526/document/17586#c-31"},{"clause":"32","heading":"Legal Assistance: UIN: IRDAN134RPMT0053V02202526/A0105V01202526","page":33,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/flexi-stand-alone-motor-own-damage-policy-private-car-irdan134rpmt0053v02202526/document/17586#c-32"}],"law":[]},{"key":"cashless_garages","label":"Cashless garages","section":"Claims","meaning":"Whether repairs can be cashless at network garages.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"motor_exclusions","label":"Main motor exclusions","section":"Exclusions","meaning":"No valid licence, drunk driving, use outside the permitted purpose, wear and tear...","status":"quote-verified","value":["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","Any claim arising out of any contractual liability","Being used otherwise than in accordance with the ‘Limitations as to Use","Being driven by or is for the purpose of being driven by him/her in the charge of any person other than a Driver as stated in the Driver's Clause","Ionising radiations or contamination by radioactivity from any nuclear fuel","Nuclear weapons material","War, invasion, the act of foreign enemies, hostilities or warlike operations","While vehicle not being registered permanently","Any minor scratches to the vehicle, paint fading, wear and tear arising out of normal use","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":"No wear and tear/breakdown, tyres only damage unless vehicle damaged, accessory theft unless vehicle stolen, drunk/drug driving, outside area, contractual liability, wrong use or driver, nuclear/war risks, no permanent registration, minor scratches, hire/reward, goods carriage, racing, pace-making, speed testing, reliability trials or motor trade use","note":null,"quote":"a) Consequential loss, depreciation, wear and tear, mechanical or electrical breakdown, failures or breakages ... b) Damage to tyres and tubes unless the vehicle is damaged at the same time ... c) Loss or damage to accessories by burglary, housebreaking or theft unless the vehicle is stolen at the same time, and ... d) any accidental loss or damage suffered whilst the insured or any person driving the vehicle with the knowledge and consent of the insured is under the influence of intoxicating liquor or 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 liability of whatsoever nature directly or indirectly caused by or contributed to by or arising from ionising radiations or contamination by radioactivity from any nuclear fuel ... 6. Any accidental loss or damage or liability directly or indirectly caused by or contributed to by or arising from nuclear weapons material\n7. 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 ... 8. Any accidental loss, damage and/or liability caused, sustained or incurred, while vehicle not being registered permanently will not be covered (until permanent valid registration number is issued to the Vehicle)\n9. 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(a)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/flexi-stand-alone-motor-own-damage-policy-private-car-irdan134rpmt0053v02202526/document/17586#c-5-a"},{"clause":"5(b)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/flexi-stand-alone-motor-own-damage-policy-private-car-irdan134rpmt0053v02202526/document/17586#c-5-b"},{"clause":"5(c)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/flexi-stand-alone-motor-own-damage-policy-private-car-irdan134rpmt0053v02202526/document/17586#c-5-c"},{"clause":"5(d)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/flexi-stand-alone-motor-own-damage-policy-private-car-irdan134rpmt0053v02202526/document/17586#c-5-d"},{"clause":null,"heading":"GENERAL EXCLUSIONS (Applicable to all sections of Policy)","page":35,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/flexi-stand-alone-motor-own-damage-policy-private-car-irdan134rpmt0053v02202526/document/17586#c-general-exclusions-applicable-to-all-sections-of"},{"clause":null,"heading":"Cancellation of Policy in Double Insurance","page":38,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/flexi-stand-alone-motor-own-damage-policy-private-car-irdan134rpmt0053v02202526/document/17586#c-cancellation-of-policy-in-double-insurance-2"}],"law":[]},{"key":"sum_insured_basis","label":"Sum insured basis","section":"Cover","meaning":"How the cover amount is set: market value, reinstatement value, agreed value, IDV.","status":"quote-verified","value":"The sum insured basis is the Insured’s Declared Value (IDV). IDV is fixed at the start of each policy period using the manufacturer’s listed selling price of the vehicle and accessories, adjusted for depreciation; it may be increased or decreased by agreement based on factors such as location, usage, road type/terrain and model segment, as captured in the policy schedule.","display":"IDV based on manufacturer’s listed selling price adjusted for depreciation, with agreed adjustments captured in the schedule","note":null,"quote":"The Insured’s Declared Value (IDV) of the vehicle will be deemed to be the ‘SUM INSURED’ for the purpose of this policy which is fixed at the commencement of each policy period for the insured vehicle. The IDV of the vehicle (and accessories if any fitted to the vehicle) is to be fixed on the basis of the manufacturer’s listed selling price of the brand and model as the vehicle insured at the commencement of insurance/renewal and adjusted for depreciation (as per schedule below). ... The IDV arrived as per the above method may also be increased or decreased basis various factors like Location, usage, road type/ terrain, model segment etc with agreement of the insured and as captured in the policy schedule.","sources":[{"clause":"5(c)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/flexi-stand-alone-motor-own-damage-policy-private-car-irdan134rpmt0053v02202526/document/17586#c-5-c-2"}],"law":[]}],"documents":[{"kind":"wording","label":"Flexi Stand Alone Motor Own Damage Policy Private Car - Policy Wordings","pages":58,"fetched_at":"2026-10-17 20:08:30+00","source_url":"https://www.universalsompo.com/assets/file/flexi-saod/policy-wordings.pdf","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/flexi-stand-alone-motor-own-damage-policy-private-car-irdan134rpmt0053v02202526/document/17586"},{"kind":"prospectus","label":"Flexi Stand Alone Motor Own Damage Policy Private Car - Prospectus / Brochure","pages":49,"fetched_at":"2026-10-17 20:08:23+00","source_url":"https://www.universalsompo.com/assets/file/flexi-saod/prospectus.pdf","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/flexi-stand-alone-motor-own-damage-policy-private-car-irdan134rpmt0053v02202526/document/17584"},{"kind":"cis","label":"Flexi Stand Alone Motor Own Damage Policy Private Car - CIS","pages":11,"fetched_at":"2026-10-17 20:08:33+00","source_url":"https://www.universalsompo.com/assets/file/flexi-saod/cis.pdf","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/flexi-stand-alone-motor-own-damage-policy-private-car-irdan134rpmt0053v02202526/document/17587"},{"kind":"rider","label":"Flexi Stand Alone Motor Own Damage Policy Private Car - Adds On","pages":32,"fetched_at":"2026-10-17 20:02:53+00","source_url":"https://www.universalsompo.com/assets/file/flexi-saod/addson.pdf","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/flexi-stand-alone-motor-own-damage-policy-private-car-irdan134rpmt0053v02202526/document/17433"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Universal Sompo General Insurance official website","url":"https://www.universalsompo.com/","note":"Buy directly from the insurer."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"insurer","name":"Claims","url":"https://www.universalsompo.com/claims/","note":null},{"purpose":"claim","kind":"insurer","name":"Motor claim intimation","url":"https://www.universalsompo.com/claimintimation/","note":null},{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"insurer","name":"Grievance redressal","url":"https://www.universalsompo.com/resourse-grievance-redressal/","note":null},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"renew","kind":"insurer","name":"Renew now","url":"https://www.universalsompo.com/renew-now/","note":null}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"Flexi Stand Alone Motor Own Damage Policy Private Car (UIN IRDAN134RPMT0053V02202526), IndiaInsurances, https://indiainsurances.com/policy/universal-sompo-general-insurance/flexi-stand-alone-motor-own-damage-policy-private-car-irdan134rpmt0053v02202526"}