{"uin":"IRDAN144CP0014V01201213","name":"Motor Trade (Road Risks)","url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-trade-road-risks-irdan144cp0014v01201213","insurer":{"slug":"sbi-general-insurance","name":"SBI General Insurance Company Limited","url":"https://indiainsurances.com/insurer/sbi-general-insurance"},"line":"general","category":"motor-commercial","category_name":"Commercial vehicle insurance","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Motor Trade cover is written in road risks and internal risks wordings for accidental damage to insured vehicles and liability to third parties or the public. The road risks wording uses IDV as the sum insured for vehicles and promises claim settlement within 30 days from receipt of necessary documents.","analysis":{"state":"machine","analysed_at":"2026-10-20 05:45:27.069723+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"quote-verified","value":["Motor Trade (Road Risks) Insurance Policy","Motor Trade (Internal Risks) Insurance Policy"],"display":"Motor Trade (Road Risks) Insurance Policy; Motor Trade (Internal Risks) Insurance Policy","note":null,"quote":"Motor Trade (Road Risks) Insurance Policy ... Motor Trade (Internal Risks) Insurance Policy","sources":[{"clause":null,"heading":"Motor Trade (Road Risks) Insurance Policy","page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-trade-road-risks-irdan144cp0014v01201213/document/15190#c-motor-trade-road-risks-insurance-policy"},{"clause":null,"heading":"Motor Trade (Internal Risks) Insurance Policy","page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-trade-road-risks-irdan144cp0014v01201213/document/15193#c-motor-trade-internal-risks-insurance-policy"}],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"not-stated","value":null,"display":null,"note":"The wordings refer to the period of insurance but do not state its length.","quote":null,"sources":[],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"Road Risks: notice must be given in writing to the Company immediately upon the occurrence of any accidental loss or damage. Internal Risks: the insured must as soon as possible give notice with full particulars.","display":"Road Risks: immediately; Internal Risks: as soon as possible","note":"The road risks and internal risks wordings use different wording for the intimation timing.","quote":"Notice shall be given in writing to the Company immediately upon the occurrence of any accidental loss or damage ... In the event of any occurrence which may give rise to a claim under this Policy the Insured shall as soon as possible give notice thereof to the Company with full particulars.","sources":[{"clause":"1","heading":"Notice shall be given in writing to the Company immediately","page":3,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-trade-road-risks-irdan144cp0014v01201213/document/15190#c-1-3"},{"clause":"3","heading":"In the event of any occurrence which may give rise to a claim","page":2,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-trade-road-risks-irdan144cp0014v01201213/document/15193#c-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":["Every letter claim writ summons and/or process"],"display":"Every letter claim writ summons and/or process","note":"The wording also says the insured must give information and assistance required by the Company, but it does not list any other claim documents.","quote":"Every letter claim writ summons and/or process shall be forwarded to the Company immediately on receipt by the Insured.","sources":[{"clause":"1","heading":"Notice shall be given in writing to the Company immediately","page":3,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-trade-road-risks-irdan144cp0014v01201213/document/15190#c-1-3"}],"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":"The Company will settle the claim within 30 days from receipt of necessary documents required for assessing the claim. If it rejects a claim, it will do so within 30 days of the Survey Report or additional Survey Report.","display":"Settlement within 30 days from receipt of necessary documents; rejection within 30 days of the Survey Report or additional Survey Report","note":null,"quote":"The Company will settle the claim under this Policy within 30 days from the date of receipt of necessary documents required for assessing the claim. In the event that the Company decides to reject a claim made under this Policy, the Company shall do so within a period of 30 days of the Survey Report or the additional Survey Report","sources":[{"clause":null,"heading":"CLAIM SETTLEMENT","page":3,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-trade-road-risks-irdan144cp0014v01201213/document/15190#c-claim-settlement"}],"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 breakage's","damage caused by overloading or strain","damage to tyres and tubes unless the vehicle insured is damaged at the same time","under the inĥuence 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 in the charge of any person other than a driver as stated in Driver's Clause","war, invasion, the act of foreign enemies, hostilities or war like operations","ionising radiations or contamination by radioactivity"],"display":"Consequential loss, depreciation, wear and tear, breakdown, overloading or strain, tyre damage unless the vehicle is also damaged, intoxication, outside geographical area, contractual liability, use/driver limitations, war and nuclear risks","note":null,"quote":"consequential loss, depreciation, wear and tear, mechanical or electrical breakdown, failures or breakage's nor for damage caused by overloading or strain ... damage to tyres and tubes unless the vehicle insured is damaged at the same time ... under the inĥuence of intoxicating liquor or drugs. ... (1) any accidental loss damage and/or liability caused sustained or incurred outside the Geographical Area (2) 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 in the charge of any person other than a driver as stated in Driver's Clause ... ionising radiations or contamination by radioactivity ... war, invasion, the act of foreign enemies, hostilities or war like operations","sources":[{"clause":"1(a)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-trade-road-risks-irdan144cp0014v01201213/document/15190#c-1-a"},{"clause":"1(b)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-trade-road-risks-irdan144cp0014v01201213/document/15190#c-1-b"},{"clause":"1(c)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-trade-road-risks-irdan144cp0014v01201213/document/15190#c-1-c"},{"clause":"Section III(c)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-trade-road-risks-irdan144cp0014v01201213/document/15190#c-section-iii-c"},{"clause":"Section III(a)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-trade-road-risks-irdan144cp0014v01201213/document/15190#c-section-iii-a-2"},{"clause":"Section III(b)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-trade-road-risks-irdan144cp0014v01201213/document/15190#c-section-iii-b-2"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":["Ĥre explosion self ignition or lightning","burglary housebreaking or theft","riot and strike","earthquake (Ĥre and shock damage)","ĥood typhoon hurricane storm tempest inundation cyclone hailstorm frost","accidental external means","malicious act","terrorist activity","whilst in transit by road rail inland waterway lift elevator or air","landslide/rockslide"],"display":"Fire, explosion, self ignition or lightning; burglary, housebreaking or theft; riot and strike; earthquake; flood and storm perils; accidental external means; malicious act; terrorist activity; transit; landslide/rockslide","note":"These are the road risks own-damage perils. The internal risks wording covers damage by accidental, external and visible means occurring in or on the premises.","quote":"by Ĥre explosion self ignition or lightning ; ... by burglary housebreaking or theft ; ... iii) by riot and strike; iv. by earthquake (Ĥre and shock damage)\nv. by ĥood 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":"1(i)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-trade-road-risks-irdan144cp0014v01201213/document/15190#c-1-i"},{"clause":"1(ii)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-trade-road-risks-irdan144cp0014v01201213/document/15190#c-1-ii"},{"clause":"1(iii)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-trade-road-risks-irdan144cp0014v01201213/document/15190#c-1-iii"}],"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 may cancel at any time on seven days' notice by recorded delivery. If no claim has arisen, return premium is premium paid less the Company's short period rate for the period the policy was in force, subject to a minimum premium retention of Rs.250 or Rs.25 for specified modified vehicles.","display":"Cancel on seven days' notice; if no claim, refund less short-period premium, subject to minimum premium Rs.250 or Rs.25 for specified modified vehicles","note":"The road risks wording also says that where ownership of the vehicle is transferred, the policy cannot be cancelled unless evidence that the vehicle is insured elsewhere is produced.","quote":"the Policy may be cancelled at any time by the insured on seven days' notice by recorded delivery and provided no claim has arisen during the currency of the Policy, the Insured shall be entitled to a return of premium less premium at the Company's Short Period rates for the period the Policy has been in force. Return of the premium by the Company will be subject to retention of the minimum premium of Rs.250/- (or Rs.25/- in respect of vehicles speciĤcally designed/modiĤed for use by blind/handicapped/mentally challenged persons).","sources":[{"clause":"6","heading":"The Company may cancel the Policy by sending seven days","page":3,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-trade-road-risks-irdan144cp0014v01201213/document/15190#c-6"}],"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 wording excludes loss, damage or liability outside the Geographical Area, but the geographical area itself is not printed in the provided clauses.","quote":null,"sources":[],"law":[]},{"key":"cover_types","label":"Cover types","section":"Cover","meaning":"Comprehensive, standalone own damage, third-party only.","status":"quote-verified","value":["LOSS OF OR DAMAGE TO THE VEHICLE INSURED","LIABILITY THIRD PARTIES"],"display":"Loss of or damage to the vehicle insured; liability third parties","note":"The wording does not use the labels comprehensive, standalone own damage, or third-party only.","quote":"LOSS OF OR DAMAGE TO THE VEHICLE INSURED ... LIABILITY THIRD PARTIES","sources":[{"clause":"Section I","heading":"LOSS OF OR DAMAGE TO THE VEHICLE INSURED","page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-trade-road-risks-irdan144cp0014v01201213/document/15190#c-section-i"},{"clause":"Section II","heading":"LIABILITY THIRD PARTIES","page":2,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-trade-road-risks-irdan144cp0014v01201213/document/15190#c-section-ii"}],"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":"Subject to the limits in the Schedule, the Company indemnifies the insured for legal liability for death or bodily injury to any person and damage to property caused by or arising out of the use of the vehicle, including loading or unloading.","display":"Legal liability for death or bodily injury to any person and property damage caused by use of the vehicle, subject to Schedule limits","note":"The provided wording does not state that death and injury liability is unlimited.","quote":"Subject to the limits of liability as laid down in the Schedule hereto the Company will indemnify the Insured in the event of an accident caused by or arising out of the use of the vehicle against all sums including claimant's costs and expenses which the insured shall become legally liable to pay in respect of: ... death of or bodily injury to any person caused by or arising out of the use (including the loading and/or unloading) of the vehicle ... damage to property caused by the use (including the loading and/or unloading) of the vehicle.","sources":[{"clause":"1","heading":"Subject to the limits of liability as laid down in the Schedule","page":2,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-trade-road-risks-irdan144cp0014v01201213/document/15190#c-1-2"},{"clause":"1(i)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-trade-road-risks-irdan144cp0014v01201213/document/15190#c-1-i-2"},{"clause":"1(ii)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-trade-road-risks-irdan144cp0014v01201213/document/15190#c-1-ii-2"}],"law":[{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch V, I, Paras 1 to 4","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch V, I, Para 7","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 146","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 147","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 150","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 157","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 164","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 161","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 166(3)","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 162","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"idv","label":"Insured declared value (IDV)","section":"Cover","meaning":"The vehicle's insured value: maximum paid for theft or total loss.","status":"quote-verified","value":"The Insured's Declared Value is deemed the sum insured, fixed at commencement of each policy period for each insured vehicle on the manufacturer's listed selling price of the brand and model adjusted for depreciation. For total loss or constructive total loss, liability does not exceed the IDV in the policy schedule less the value of the wreck, and constructive total loss applies where retrieval and repair costs exceed 75% of the IDV.","display":"IDV is the sum insured; fixed at commencement of each policy period; CTL if repair/retrieval costs exceed 75% of IDV; maximum liability is IDV less wreck value","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 and it will be Ĥxed at the commencement of each policy period for each insured vehicle. The IDV of the vehicle is to be Ĥxed on the basis of manufacturers' listed selling price of the brand and model as the vehicle proposed for insurance at the commencement of insurance /renewal, and adjusted for depreciation ... A vehicle will be considered to be a CTL, as referred to above, where the aggregate cost of retrieval and / or repair of the vehicle subject to terms and conditions of the policy exceed 75% of the IDV. ... It is clearly understood that the liability of the Company shall in no case exceed the IDV as speciĤed in the policy schedule less the value of the wreck, in 'as is where is' condition.","sources":[{"clause":"1(c)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-trade-road-risks-irdan144cp0014v01201213/document/15190#c-1-c"}],"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 fibre glass components; nil for glass; and other parts follow the age-of-vehicle schedule, rising to 50% for vehicles exceeding 10 years.","display":"Parts depreciation: rubber/nylon/plastic/tyres/tubes/batteries/air bags 50%; fibre glass 30%; glass Nil; other parts by age up to 50%","note":"The printed age-wise table in the provided text is disordered, but it states that other parts use the age-of-vehicle schedule.","quote":"Subject to a deduction for depreciation at the rates mentioned below in respect of parts replaced:\n1. For all rubber/ nylon / plastic parts, tyres and tubes, batteries and air bags - 50%\n2. For Ĥbre glass components - 30%\n3. For all parts made of glass - Nil ... Rate of depreciation for all other parts including wooden parts will be as per the following schedule. ... Exceeding 10 years | 50%","sources":[{"clause":"1(iii)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-trade-road-risks-irdan144cp0014v01201213/document/15190#c-1-iii"},{"clause":"1(c)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-trade-road-risks-irdan144cp0014v01201213/document/15190#c-1-c"}],"law":[]},{"key":"ncb","label":"No-claim bonus","section":"Cover","meaning":"Discount on own-damage premium for claim-free years (20% to 50%).","status":"not-stated","value":null,"display":null,"note":"No no-claim bonus table or discount is stated in the provided wordings.","quote":null,"sources":[],"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 wordings say the deductible is stated in the Schedule, but the deductible amount is not printed in the provided clauses.","quote":null,"sources":[],"law":[]},{"key":"deductible","label":"Voluntary deductible","section":"Limits and co-pay","meaning":"An extra amount per claim you choose to bear for a lower premium.","status":"not-stated","value":null,"display":null,"note":"The wordings only refer to the deductible stated in the Schedule for each Section I claim; they do not state a voluntary deductible chosen for lower premium.","quote":null,"sources":[],"law":[]},{"key":"pa_owner_driver","label":"Personal accident cover for owner-driver","section":"Cover","meaning":"Compulsory PA cover for the owner-driver.","status":"not-stated","value":null,"display":null,"note":"The provided wordings do not state personal accident cover for owner-driver.","quote":null,"sources":[],"law":[{"title":"Enhancement of Capital Sum Insured in Compulsory Personal Accident Cover for Owner-Driver under Motor Insurance Policies","section":"Para 4(i) to (iii)","url":"https://indiainsurances.com/law/irdai-motor-cpa-2018"},{"title":"Compulsory Personal Accident Insurance for Owner-Driver under Motor Insurance","section":"Paras 1 and 2","url":"https://indiainsurances.com/law/irdai-motor-cpa-choice-2018"},{"title":"Cover for Compulsory Personal Accident (CPA) for Owner-Driver under Motor Insurance Policies","section":"Para 3","url":"https://indiainsurances.com/law/irdai-motor-cpa-standalone-2018"},{"title":"Cover for Compulsory Personal Accident (CPA) for Owner-Driver under Motor Insurance Policies","section":"Para 4(iv) to (viii)","url":"https://indiainsurances.com/law/irdai-motor-cpa-standalone-2018"}]},{"key":"addons","label":"Add-ons offered","section":"Cover","meaning":"Zero depreciation, engine protect, return to invoice, roadside assistance, consumables...","status":"not-stated","value":null,"display":null,"note":"No add-ons are listed in the provided wordings.","quote":null,"sources":[],"law":[]},{"key":"cashless_garages","label":"Cashless garages","section":"Claims","meaning":"Whether repairs can be cashless at network garages.","status":"not-stated","value":null,"display":null,"note":"The provided wordings do not state cashless repairs or network garages.","quote":null,"sources":[],"law":[]},{"key":"motor_exclusions","label":"Main motor exclusions","section":"Exclusions","meaning":"No valid licence, drunk driving, use outside the permitted purpose, wear and tear...","status":"quote-verified","value":["consequential loss, depreciation, wear and tear, mechanical or electrical breakdown, failures or breakage's","damage caused by overloading or strain","damage to tyres and tubes unless the vehicle insured is damaged at the same time","under the inĥuence of intoxicating liquor or drugs","outside the Geographical Area","being used otherwise than in accordance with the 'Limitations as to Use'","being driven by or is for the purpose of being driven by him in the charge of any person other than a driver as stated in Driver's Clause","damage to property belonging to or held in trust by or in the custody or in the control of the Insured","the insured vehicle is towing a greater number of vehicles than is permitted by law","war, invasion, the act of foreign enemies, hostilities or war like operations"],"display":"Wear and tear/breakdown, overloading or strain, tyre damage unless vehicle also damaged, intoxication, outside geographical area, use or driver not permitted, property in insured's custody, towing more vehicles than permitted by law, war risks","note":null,"quote":"consequential loss, depreciation, wear and tear, mechanical or electrical breakdown, failures or breakage's nor for damage caused by overloading or strain ... damage to tyres and tubes unless the vehicle insured is damaged at the same time ... under the inĥuence of intoxicating liquor or drugs. ... The Company shall not be liable in respect of damage to property belonging to or held in trust by or in the custody or in the control of the Insured ... accident loss damage and/or liability caused sustained or incurred whilst the insured vehicle is towing a greater number of vehicles than is permitted by law. ... outside the Geographical Area ... being used otherwise than in accordance with the 'Limitations as to Use' ... being driven by or is for the purpose of being driven by him in the charge of any person other than a driver as stated in Driver's Clause ... war, invasion, the act of foreign enemies, hostilities or war like operations","sources":[{"clause":"1(a)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-trade-road-risks-irdan144cp0014v01201213/document/15190#c-1-a"},{"clause":"1(b)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-trade-road-risks-irdan144cp0014v01201213/document/15190#c-1-b"},{"clause":"1(c)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-trade-road-risks-irdan144cp0014v01201213/document/15190#c-1-c"},{"clause":"1(d)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-trade-road-risks-irdan144cp0014v01201213/document/15190#c-1-d"},{"clause":"Section III(c)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-trade-road-risks-irdan144cp0014v01201213/document/15190#c-section-iii-c"},{"clause":"Section III(a)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-trade-road-risks-irdan144cp0014v01201213/document/15190#c-section-iii-a-2"},{"clause":"Section III(b)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-trade-road-risks-irdan144cp0014v01201213/document/15190#c-section-iii-b-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":"For the road risks vehicle cover, the Insured's Declared Value is deemed the sum insured and is treated as market value throughout the policy period for total loss or constructive total loss claims.","display":"IDV, treated as market value for TL/CTL claims","note":"The internal risks wording states cover is subject to the limits of liability, but the provided clauses do not state how those limits are set.","quote":"The Insured's Declared Value (IDV) of the vehicle will be deemed to be the 'SUM INSURED' for the purpose of this Policy ... IDV shall be treated as the ‘Market Value’ throughout the policy period without any further depreciation for the purpose of Total Loss (TL)/ Constructive Total Loss (CTL) claims.","sources":[{"clause":"1(c)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-trade-road-risks-irdan144cp0014v01201213/document/15190#c-1-c"}],"law":[]}],"documents":[{"kind":"wording","label":"Motor Trade (Road Risks) Policy Wordings","pages":5,"fetched_at":"2026-10-17 20:07:03+00","source_url":"https://content.sbigeneral.in/uploads/SBIG_Motor_Trade_Road_Risks_Policy_Wording_26092901_2_c6189f1a86.pdf","url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-trade-road-risks-irdan144cp0014v01201213/document/15190"},{"kind":"wording","label":"Motor Trade (Internal Risks) Policy Wordings","pages":4,"fetched_at":"2026-10-17 20:07:07+00","source_url":"https://content.sbigeneral.in/uploads/SBIG_Motor_Trade_Internal_Risks_Policy_Wording_26100101_1_7755646522.pdf","url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-trade-road-risks-irdan144cp0014v01201213/document/15193"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"SBI General Insurance official website","url":"https://www.sbigeneral.in/","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":"Health claims","url":"https://www.sbigeneral.in/claim/health","note":null},{"purpose":"claim","kind":"insurer","name":"Home claims","url":"https://www.sbigeneral.in/claim/home","note":null},{"purpose":"claim","kind":"insurer","name":"Motor claims","url":"https://www.sbigeneral.in/claim/motor","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.sbigeneral.in/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":"Policy renewal","url":"https://www.sbigeneral.in/policy-renewal","note":null}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"Motor Trade (Road Risks) (UIN IRDAN144CP0014V01201213), IndiaInsurances, https://indiainsurances.com/policy/sbi-general-insurance/motor-trade-road-risks-irdan144cp0014v01201213"}