{"uin":"IRDAN144CP0016V01201213","name":"Motor Trade (Transit Risks)","url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-trade-transit-risks-irdan144cp0016v01201213","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 (Road Transit Risks) covers accidental loss or damage to insured vehicles during the period of insurance in public places or temporarily garaged during a journey, with own-damage perils, third-party liability and trailers. IDV is the sum insured, claims must be intimated immediately, and claim settlement is promised within 30 days from receipt of necessary documents.","analysis":{"state":"machine","analysed_at":"2026-10-20 05:45:49.55234+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":"No named plans or variants are stated in the wording.","quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"not-stated","value":null,"display":null,"note":"The wording refers to the period of insurance and the Schedule but does not print a policy term.","quote":null,"sources":[],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"Notice must be given in writing to the Company immediately upon any accidental loss or damage. Letters, claims, writs, summons or processes must be forwarded immediately, and theft or other criminal act must be reported immediately to the Police.","display":"Immediate written notice to the Company; immediate Police notice for theft or criminal act","note":null,"quote":"Notice shall be given in writing to the Company immediately upon the occurrence of any accidental loss or damage and in the event of any claim and thereafter the Insured shall give all such information and assistance as the Company shall require. Every letter claim writ summons and/or process shall be forwarded to the Company immediately on receipt by the Insured. ... In case of theft or other criminal act which may be the subject of a claim under this Policy the Insured shall give immediate notice to the Police and cooperate with the Company in securing the conviction of the oģender.","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-transit-risks-irdan144cp0016v01201213/document/15189#c-1-2"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"not-stated","value":null,"display":null,"note":"The wording refers generally to necessary documents and information but does not list claim documents.","quote":null,"sources":[],"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 a 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 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, as the case may be, in accordance with the provisions of Protection of Policyholders’ Interest Regulations 2002.","sources":[{"clause":null,"heading":"CLAIM SETTLEMENT","page":3,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-trade-transit-risks-irdan144cp0016v01201213/document/15189#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","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"],"display":"Consequential loss, wear and tear/breakdown, overloading or strain, tyre/tube damage unless vehicle also damaged, intoxicating liquor or drugs, outside Geographical Area, contractual liability, use outside Limitations as to Use, wrong driver, nuclear/radioactivity and war risks","note":null,"quote":"a) consequential loss, depreciation, wear and tear, mechanical or electrical breakdown, failures or breakage's nor for damage caused by overloading or strain ... b) damage to tyres and tubes unless the vehicle insured is damaged at the same time in which case the liability of the Company is limited to 50% of the cost of the replacement ... (c) any accidental loss or damage suģered whilst the Insured or any person driving the vehicle with the knowledge and consent of the Insured is 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 ... 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 in the charge of any person other than a driver as stated in Driver's Clause ... ionising radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel. ... war, invasion, the act of foreign enemies, hostilities or war like operations","sources":[{"clause":"Section I(a)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-trade-transit-risks-irdan144cp0016v01201213/document/15189#c-section-i-a"},{"clause":"Section I","heading":"Loss of or Damage to the Vehicle Insured","page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-trade-transit-risks-irdan144cp0016v01201213/document/15189#c-section-i"},{"clause":null,"heading":"General Exceptions","page":2,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-trade-transit-risks-irdan144cp0016v01201213/document/15189#c-general-exceptions"},{"clause":"Section III(a)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-trade-transit-risks-irdan144cp0016v01201213/document/15189#c-section-iii-a-2"},{"clause":"Section III(b)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-trade-transit-risks-irdan144cp0016v01201213/document/15189#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":"quote-verified","value":"The first grievance route is the Company's Grievance Redressal Cell or nominated Grievance Redressal OĦcer; grievances may be sent to head.customercare@sbigeneral.in or gro@sbigeneral.in or by calling 1800 102 1111. The Company says a final response would be conveyed within 14 days, with escalation to the Insurance Ombudsman if the response is unsatisfactory.","display":"First approach SBI General's Grievance Redressal OĦcer/Cell, email head.customercare@sbigeneral.in or gro@sbigeneral.in or call 1800 102 1111; final response within 14 days","note":null,"quote":"Grievance Redressal Cell of the Company looks into complaints from policyholders. If the Insured has a grievance that the Insured wishes the Company to redress, the Insured may approach the person nominated as ‘Grievance Redressal OĦcer’ with the details of his grievance. Stage 1: ... If you wish to register your grievances directly with us, you may write ... to us at head.customercare@sbigeneral.in or gro@sbigeneral.in or call our toll free number- 1800 102 1111. After examining the matter, Ĥnal response would be conveyed within a period of 14 days from the date of receipt of your complaint.","sources":[{"clause":null,"heading":"GRIEVANCE REDRESSAL PROCEDURE","page":3,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-trade-transit-risks-irdan144cp0016v01201213/document/15189#c-grievance-redressal-procedure"}],"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/lightning, burglary/housebreaking/theft, riot and strike, earthquake, flood/storm perils, accidental external means, malicious act, terrorist activity, transit and 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 thereon: by Ĥre explosion self ignition or lightning; by burglary housebreaking or theft; by riot and strike; by earthquake (Ĥre and shock damage); by ĥood typhoon hurricane storm tempest inundation cyclone hailstorm frost; by accidental external means; by malicious act; by terrorist activity; whilst in transit by road rail inland waterway lift elevator or air; by landslide/rockslide.","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-transit-risks-irdan144cp0016v01201213/document/15189#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 may cancel the policy at any time on seven days' notice by recorded delivery. If no claim has arisen, the insured gets return premium less premium at the Company's Short Period rates, subject to minimum retention of Rs.250 or Rs.25 for specified vehicles; on transfer of ownership, the policy cannot be cancelled unless evidence of other insurance is produced.","display":"Cancellation by insured on seven days’ notice; if no claim, refund less Company's Short Period rates, subject to minimum premium of Rs.250 or Rs.25 for specified vehicles","note":null,"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). Where the ownership of the vehicle is transferred, the Policy cannot be cancelled unless evidence that the vehicle is insured elsewhere is produced.","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-transit-risks-irdan144cp0016v01201213/document/15189#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 does not define or list the Geographical Area.","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 or damage to the vehicle insured hereunder and/or its accessories whilst thereon","Liability to Third Parties","Trailers"],"display":"Own-damage cover for the vehicle/accessories, liability to third parties, and trailer extension","note":"The wording does not use the labels comprehensive, standalone own damage or third-party only.","quote":"The Company will indemnify the Insured against loss or damage to the vehicle insured hereunder and/or its accessories whilst thereon ... Liability to Third Parties ... The insurance by Sections I and II of this Policy shall extend to any vehicle (mechanically propelled or otherwise) attached to the insured vehicle for the purpose of being towed","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-transit-risks-irdan144cp0016v01201213/document/15189#c-section-i"},{"clause":"Section II","heading":"Liability to Third Parties","page":2,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-trade-transit-risks-irdan144cp0016v01201213/document/15189#c-section-ii"},{"clause":"Section III","heading":"Trailers","page":2,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-trade-transit-risks-irdan144cp0016v01201213/document/15189#c-section-iii"}],"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 of liability in the Schedule, the Company indemnifies legal liability for death or bodily injury to any person and damage to property caused by or arising out of use, including loading or unloading, of the vehicle.","display":"Third-party legal liability for death or bodily injury and property damage, subject to Schedule limits","note":"Numeric third-party limits are not printed in the wording; they are stated to be as laid down in the Schedule.","quote":"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: ... i) 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. ... ii) 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-transit-risks-irdan144cp0016v01201213/document/15189#c-1"},{"clause":"1(i)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-trade-transit-risks-irdan144cp0016v01201213/document/15189#c-1-i"},{"clause":"1(ii)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-trade-transit-risks-irdan144cp0016v01201213/document/15189#c-1-ii"}],"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 of the vehicle is deemed the sum insured, fixed at commencement of each policy period on the manufacturer's listed selling price adjusted for depreciation. For total loss or constructive total loss, liability cannot exceed the IDV in the policy schedule less the wreck value, and constructive total loss applies where retrieval or repair cost exceeds 75% of IDV.","display":"IDV is the sum insured, based on manufacturer's listed selling price adjusted for depreciation; CTL if costs exceed 75% of IDV; liability capped at 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 (as per schedule speciĤed below). ... 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 exceeds 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":null,"heading":"Sum Insured – Insured’s Declared Value (IDV)","page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-trade-transit-risks-irdan144cp0016v01201213/document/15189#c-sum-insured-insureds-declared-value-idv"},{"clause":"Section I(a)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-trade-transit-risks-irdan144cp0016v01201213/document/15189#c-section-i-a"}],"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 partial loss replacement of parts, depreciation is 50% for all rubber, nylon, plastic parts, tyres and tubes, batteries and air bags; 30% for fibre glass components; Nil for glass parts; and age-wise for other parts from Nil to 50%.","display":"50% for rubber/nylon/plastic parts, tyres and tubes, batteries and air bags; 30% for fibre glass; Nil for glass; other parts by age from Nil to 50%","note":null,"quote":"1. For all rubber/ nylon / plastic parts, tyres and tubes, batteries and air bags - | 50%\nThe depreciation for replacement of parts in partial loss claims will be as per Section 1. ... 2. For Ĥbre glass components - | 30% ... 3. For all parts made of glass - | Nil ... AGE OF VEHICLE | % OF DEPRECIATION ... Not exceeding 6 months | Nil ... Exceeding 10 years | 50%","sources":[{"clause":null,"heading":"Sum Insured – Insured’s Declared Value (IDV)","page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-trade-transit-risks-irdan144cp0016v01201213/document/15189#c-sum-insured-insureds-declared-value-idv"}],"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 or own-damage premium discount table is stated in the wording.","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 wording says the deductible is stated in the Schedule but does not print a fixed compulsory deductible amount.","quote":null,"sources":[],"law":[]},{"key":"deductible","label":"Voluntary deductible","section":"Limits and co-pay","meaning":"An extra amount per claim you choose to bear for a lower premium.","status":"not-stated","value":null,"display":null,"note":"The wording mentions a deductible stated in the Schedule for Section I claims but does not state a voluntary deductible option.","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":"No personal accident cover for owner-driver is stated in the wording.","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 stated in the wording.","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 wording does 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","war, invasion, the act of foreign enemies, hostilities or war like operations"],"display":"Wear and tear/breakdown/consequential loss, overloading or strain, tyre/tube damage unless vehicle also damaged, drunk/drugged driving, outside Geographical Area, use outside Limitations as to Use, wrong driver and war risks","note":null,"quote":"a) consequential loss, depreciation, wear and tear, mechanical or electrical breakdown, failures or breakage's nor for damage caused by overloading or strain ... b) damage to tyres and tubes unless the vehicle insured is damaged at the same time in which case the liability of the Company is limited to 50% of the cost of the replacement ... (c) any accidental loss or damage suģered whilst the Insured or any person driving the vehicle with the knowledge and consent of the Insured is under the inĥuence of intoxicating liquor or drugs. ... (1) any accidental loss damage and/or liability caused sustained or incurred outside the Geographical Area ... 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 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":"Section I(a)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-trade-transit-risks-irdan144cp0016v01201213/document/15189#c-section-i-a"},{"clause":"Section I","heading":"Loss of or Damage to the Vehicle Insured","page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-trade-transit-risks-irdan144cp0016v01201213/document/15189#c-section-i"},{"clause":null,"heading":"General Exceptions","page":2,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-trade-transit-risks-irdan144cp0016v01201213/document/15189#c-general-exceptions"},{"clause":"Section III(a)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-trade-transit-risks-irdan144cp0016v01201213/document/15189#c-section-iii-a-2"},{"clause":"Section III(b)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-trade-transit-risks-irdan144cp0016v01201213/document/15189#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":"The sum insured is the vehicle's IDV, fixed at the commencement of each policy period on the manufacturer's listed selling price of the brand and model, adjusted for depreciation. The wording says IDV is treated as market value during the policy period for total loss or constructive total loss claims.","display":"IDV basis, fixed from manufacturer's listed selling price adjusted for depreciation; treated as Market Value for TL/CTL during the policy period","note":"IDV of vehicles beyond 5 years of age and obsolete models is stated to be determined on the basis of an understanding between the Company and the Insured.","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 (as per schedule speciĤed below). ... IDV shall be treated as the ‘Market Value’ throughout the policy period without any further depreciation for the purpose of Total Loss (TL)/ Constructive Total Loss (CTL) claims.","sources":[{"clause":null,"heading":"Sum Insured – Insured’s Declared Value (IDV)","page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-trade-transit-risks-irdan144cp0016v01201213/document/15189#c-sum-insured-insureds-declared-value-idv"},{"clause":"Section I(a)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-trade-transit-risks-irdan144cp0016v01201213/document/15189#c-section-i-a"}],"law":[]}],"documents":[{"kind":"wording","label":"Motor Trade (Transit Risks) Policy Wordings","pages":5,"fetched_at":"2026-10-17 20:06:59+00","source_url":"https://content.sbigeneral.in/uploads/SBIG_Motor_Trade_Road_Transit_Risks_PW_26101301_dbf2605625.pdf","url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-trade-transit-risks-irdan144cp0016v01201213/document/15189"}],"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 (Transit Risks) (UIN IRDAN144CP0016V01201213), IndiaInsurances, https://indiainsurances.com/policy/sbi-general-insurance/motor-trade-transit-risks-irdan144cp0016v01201213"}