{"uin":"IRDAN144RP0001V01200910","name":"Motor Act Only","url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-act-only-irdan144rp0001v01200910","insurer":{"slug":"sbi-general-insurance","name":"SBI General Insurance Company Limited","url":"https://indiainsurances.com/insurer/sbi-general-insurance"},"line":"general","category":"motor-car","category_name":"Car insurance","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Motor Act Only is a third-party-only motor policy covering liability for death or bodily injury and third-party property damage, with personal accident cover up to Rs. 15 lakh for individual owners while driving. It has no own-damage IDV or cashless repair cover, and the policy wording lists towing as an optional add-on for Act Only Private Car while the CIS says add-on cover is not applicable.","analysis":{"state":"machine","analysed_at":"2026-10-20 05:44:25.745157+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 plan variants are stated.","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 only defines the policy period as the period stated in the Policy Schedule/Schedule.","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 occurrence of accidental loss or damage. Every letter, claim, writ, summons or process must be forwarded immediately on receipt.","display":"Immediately upon occurrence of accidental loss or damage; claim papers immediately on receipt","note":null,"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 claim ... Every letter claim writ summons and/or process or copy thereof shall be forwarded to the Company immediately on receipt by the insured.","sources":[{"clause":null,"heading":"6. CONDITIONS","page":2,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-act-only-irdan144rp0001v01200910/document/15186#c-6-conditions"}],"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":["Completed & Signed claim form along with supporting documents"],"display":"Completed & Signed claim form with supporting documents","note":null,"quote":"Completed & Signed claim form along with supporting documents","sources":[{"clause":"2","heading":"Additional Legal liabilities for","page":2,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-act-only-irdan144rp0001v01200910/document/15141#c-2"}],"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":"not-stated","value":null,"display":null,"note":"The prospectus describes claim settlement as fair and timely but gives no specific time from intimation or receipt of documents.","quote":null,"sources":[],"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":["Being used otherwise than in accordance with the 'Limitations as to Use'","Being driven by or is for the purpose of being driven by him/her in the charge of any person other than a Driver as stated","any claim arising out of contractual liability","intentional self injury suicide or attempted suicide physical defect or infirmity","under the influence of intoxicating liquor or drugs","war, invasion, the act of foreign enemies, hostilities or warlike operations","nuclear weapons material"],"display":"Use outside limitations; person other than a Driver as stated; contractual liability; self-injury or suicide; intoxicating liquor or drugs; war; nuclear weapons material","note":null,"quote":"Being used otherwise than in accordance with the 'Limitations as to Use' ... Being driven by or is for the purpose of being driven by him/her in the charge of any person other than a Driver as stated ... The Company shall not be liable in respect of any claim arising out of contractual liability. ... intentional self injury suicide or attempted suicide physical defect or infirmity or (2) an accident happening whilst such person is under the influence of intoxicating liquor or drugs. ... war, invasion, the act of foreign enemies, hostilities or warlike operations ... nuclear weapons material","sources":[{"clause":"5(a)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-act-only-irdan144rp0001v01200910/document/15186#c-5-a"},{"clause":"5(b)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-act-only-irdan144rp0001v01200910/document/15186#c-5-b"},{"clause":null,"heading":"DRIVER","page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-act-only-irdan144rp0001v01200910/document/15186#c-driver"},{"clause":"4","heading":"Except so far as is necessary to meet the requirements of the","page":2,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-act-only-irdan144rp0001v01200910/document/15186#c-4"},{"clause":"6","heading":"The Company shall not be liable in respect of any liability directly","page":2,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-act-only-irdan144rp0001v01200910/document/15186#c-6"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"First write to the insurer at head.customercare@sbigeneral.in or gro@sbigeneral.in, or call 1800 102 1111. The final response is to be conveyed within 14 days from receipt of the complaint, before escalation to the Insurance Ombudsman if dissatisfied.","display":"Write to head.customercare@sbigeneral.in or gro@sbigeneral.in, or call 1800 102 1111; response within 14 days","note":null,"quote":"head.customercare@sbigeneral.in or gro@sbigeneral.in or call our toll free number- 1800 102 1111. After examining the matter, final response would be conveyed within a period of 14 days from the date of receipt of your complaint. ... If you feel that the response to your Grievance was unsatisfactory, or if you believe your concerns have not been adequately addressed by the company, you may escalate the matter to the Insurance O m b u d s m a n .","sources":[{"clause":null,"heading":"8. GRIEVANCE REDRESSAL PROCEDURE","page":8,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-act-only-irdan144rp0001v01200910/document/15186#c-8-grievance-redressal-procedure"},{"clause":null,"heading":"Stage 2 : Escalation to Insurance Ombudsman","page":8,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-act-only-irdan144rp0001v01200910/document/15186#c-stage-2-escalation-to-insurance-ombudsman"}],"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":["death of or bodily injury to any person so far as it is necessary to meet the requirements of Motor Vehicles Act","damage to property other than property belonging to the Insured or held in trust or in the custody or control of the Insured","bodily injury/ death sustained by the ownerdriver of the vehicle"],"display":"Third-party death or bodily injury; third-party property damage; owner-driver accidental bodily injury or death","note":null,"quote":"death of or bodily injury to any person so far as it is necessary to meet the requirements of Motor Vehicles Act. ... damage to property other than property belonging to the Insured or held in trust or in the custody or control of the Insured. ... bodily injury/ death sustained by the ownerdriver of the vehicle","sources":[{"clause":"2(a)(i)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-act-only-irdan144rp0001v01200910/document/15186#c-2-a-i"},{"clause":"2(a)(ii)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-act-only-irdan144rp0001v01200910/document/15186#c-2-a-ii"},{"clause":null,"heading":"DRIVER","page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-act-only-irdan144rp0001v01200910/document/15186#c-driver"}],"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":"Statutory Motor Third Party Liability insurance cannot be cancelled except in case of double insurance or total loss, subject to the vehicle not being left uninsured. If cancellable, the company refunds proportionate premium for the unexpired period for policies up to one year with no claims, and refunds premium for uncommenced policy years for policies over one year.","display":"Cannot cancel statutory Motor Third Party Liability except double insurance or total loss; proportionate unexpired premium if up to one year and no claim; uncommenced years if term over one year","note":null,"quote":"Under no circumstances can the company or Insured cancel statutory Motor Third Party Liability insurance, or any other compulsory insurance mandated by law except in case of double insurance or total loss subject to ensuring vehicle was not kept uninsured as per Motor Vehicle act provisions. ... refund proportion premium for unexpired policy period, if the term of the policy is up to one year and there is no claim(s) made during the policy period. ... refund premium for the unexpired policy period, in respect of policy with the term more than one year and the risk coverage for such policy years has not commenced.","sources":[{"clause":null,"heading":"6. CONDITIONS","page":2,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-act-only-irdan144rp0001v01200910/document/15186#c-6-conditions"},{"clause":"6(a)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-act-only-irdan144rp0001v01200910/document/15186#c-6-a"},{"clause":"6(b)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-act-only-irdan144rp0001v01200910/document/15186#c-6-b"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"not-stated","value":null,"display":null,"note":"The base geographic territory is not stated; the wording only mentions an optional geographical extension endorsement.","quote":null,"sources":[],"law":[]},{"key":"cover_types","label":"Cover types","section":"Cover","meaning":"Comprehensive, standalone own damage, third-party only.","status":"quote-verified","value":["Third Party Liability"],"display":"Third-party only / Act Only","note":null,"quote":"ACT ONLY POLICY ... SECTION I – LIABILITY TO THIRD PARTIES","sources":[{"clause":null,"heading":"ACT ONLY POLICY","page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-act-only-irdan144rp0001v01200910/document/15186#c-act-only-policy"},{"clause":"2(a)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-act-only-irdan144rp0001v01200910/document/15186#c-2-a"}],"law":[]},{"key":"third_party","label":"Third-party liability","section":"Cover","meaning":"Compulsory cover for injury, death or property damage to others. Unlimited for death and injury.","status":"quote-verified","value":"The policy indemnifies legal liability for death or bodily injury to any person as necessary under the Motor Vehicles Act and for damage to third-party property. The CIS states third-party property damage is covered up to INR 750,000, with an option to restrict the coverage to INR 6000.","display":"Death or bodily injury as required by Motor Vehicles Act; third-party property damage up to INR 750,000, optional restriction to INR 6000","note":null,"quote":"death of or bodily injury to any person so far as it is necessary to meet the requirements of Motor Vehicles Act. ... damage to property other than property belonging to the Insured or held in trust or in the custody or control of the Insured. ... Third Party Property Damages upto INR 750,000 with an option to restrict the coverage to INR 6000 whereby there will be reduction in Liability only premium","sources":[{"clause":"2(a)(i)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-act-only-irdan144rp0001v01200910/document/15186#c-2-a-i"},{"clause":"2(a)(ii)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-act-only-irdan144rp0001v01200910/document/15186#c-2-a-ii"},{"clause":"Row 5","heading":"Sum Insured / Motor Insured Declared Value","page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-act-only-irdan144rp0001v01200910/document/15117#c-row-5"}],"law":[{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch V, I, Paras 1 to 4","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch V, I, Para 7","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 146","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 147","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 150","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 157","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 164","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 161","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 166(3)","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 162","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"idv","label":"Insured declared value (IDV)","section":"Cover","meaning":"The vehicle's insured value: maximum paid for theft or total loss.","status":"not-applicable","value":null,"display":null,"note":"This is an Act Only third-party liability policy and does not provide own-damage theft or total loss cover, so an IDV basis does not apply.","quote":null,"sources":[],"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":"not-applicable","value":null,"display":null,"note":"Depreciation on replaced parts applies to own-damage repair claims; this Act Only policy does not cover own-damage repairs.","quote":null,"sources":[],"law":[]},{"key":"ncb","label":"No-claim bonus","section":"Cover","meaning":"Discount on own-damage premium for claim-free years (20% to 50%).","status":"not-applicable","value":null,"display":null,"note":"No-claim bonus is a discount on own-damage premium, and this Act Only policy is third-party liability cover.","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-applicable","value":null,"display":null,"note":"A compulsory deductible applies to own-damage claims; this Act Only policy has no own-damage claim cover.","quote":null,"sources":[],"law":[]},{"key":"deductible","label":"Voluntary deductible","section":"Limits and co-pay","meaning":"An extra amount per claim you choose to bear for a lower premium.","status":"quote-verified","value":"Not Applicable","display":"Not Applicable","note":"This is an Act Only liability policy; the CIS states loss participation is not applicable.","quote":"8. | Loss participation | Not Applicable","sources":[{"clause":"Row 8","heading":"Loss participation","page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-act-only-irdan144rp0001v01200910/document/15117#c-row-8"}],"law":[]},{"key":"pa_owner_driver","label":"Personal accident cover for owner-driver","section":"Cover","meaning":"Compulsory PA cover for the owner-driver.","status":"quote-verified","value":"Personal accident cover is up to Rs. 15 lakh for individual owners of the vehicle while driving. It is not available for a company-owned vehicle and is available only if the owner holds a valid driving license; the policy wording also requires the owner-driver to be the registered owner and named insured.","display":"Up to Rs. 15 lakh for individual owner/s while driving","note":null,"quote":"Personal accident cover: of Rs. 15 lakh for all class of vehicles for individual owner/s* of the vehicle/s while driving. This benefit is however, not available for a Company owned vehicle. ... * Available only if the owner of the vehicle holds a valid driving license. ... the owner-driver is the registered owner of the vehicle insured herein; ... the owner-driver is the insured named in this Policy.","sources":[{"clause":null,"heading":"Additional covers at extra cost","page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-act-only-irdan144rp0001v01200910/document/15141#c-additional-covers-at-extra-cost"},{"clause":null,"heading":"This cover is subject to","page":2,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-act-only-irdan144rp0001v01200910/document/15186#c-this-cover-is-subject-to"}],"law":[{"title":"Enhancement of Capital Sum Insured in Compulsory Personal Accident Cover for Owner-Driver under Motor Insurance Policies","section":"Para 4(i) to (iii)","url":"https://indiainsurances.com/law/irdai-motor-cpa-2018"},{"title":"Compulsory Personal Accident Insurance for Owner-Driver under Motor Insurance","section":"Paras 1 and 2","url":"https://indiainsurances.com/law/irdai-motor-cpa-choice-2018"},{"title":"Cover for Compulsory Personal Accident (CPA) for Owner-Driver under Motor Insurance Policies","section":"Para 3","url":"https://indiainsurances.com/law/irdai-motor-cpa-standalone-2018"},{"title":"Cover for Compulsory Personal Accident (CPA) for Owner-Driver under Motor Insurance Policies","section":"Para 4(iv) to (viii)","url":"https://indiainsurances.com/law/irdai-motor-cpa-standalone-2018"}]},{"key":"addons","label":"Add-ons offered","section":"Cover","meaning":"Zero depreciation, engine protect, return to invoice, roadside assistance, consumables...","status":"conflicting","value":["TOWING COVER"],"display":"Towing Cover for Act only Insurance Policy - Private Car, on additional premium","note":"CIS says: '7. | Add on Cover | Not Applicable'.","quote":"LIST OF ADD ON COVERS (Act Only Insurance Policy) The covers listed below are Add On Covers and are available to the Insured on payment of additional premium. Only available for Act only Insurance Policy - Private Car ... TOWING COVER ... 7. | Add on Cover | Not Applicable","sources":[{"clause":"Annexure II","heading":null,"page":10,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-act-only-irdan144rp0001v01200910/document/15186#c-annexure-ii"},{"clause":null,"heading":"TOWING COVER","page":10,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-act-only-irdan144rp0001v01200910/document/15186#c-towing-cover"},{"clause":"Row 7","heading":"Add on Cover","page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-act-only-irdan144rp0001v01200910/document/15117#c-row-7"}],"law":[]},{"key":"cashless_garages","label":"Cashless garages","section":"Claims","meaning":"Whether repairs can be cashless at network garages.","status":"not-applicable","value":null,"display":null,"note":"Cashless garages relate to repair of own damage; this Act Only policy does not cover own-damage repairs.","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":["Driving without a valid licence","Driving under the influence of drugs and alcohol","Own damage cover to vehicle","Unauthorized usage","Driving outside geographical area"],"display":"No valid licence; drugs and alcohol; own damage; unauthorized usage; outside geographical area","note":null,"quote":"The Insurer shall not be liable with respect to • Driving without a valid licence • Driving under the influence of drugs and alcohol • Own damage cover to vehicle • Unauthorized usage • Driving outside geographical area","sources":[{"clause":null,"heading":"ACT ONLY INSURANCE POLICY CUSTOMER INFORMATION SHEET / KNOW YOUR POLICY","page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-act-only-irdan144rp0001v01200910/document/15117#c-act-only-insurance-policy-customer-information-s-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 cover is on a limit-of-liability indemnity basis for third-party liabilities. The CIS states third-party property damage is covered up to INR 750,000, with an option to restrict it to INR 6000 for a reduction in liability-only premium.","display":"Limit of liability indemnity for third-party liabilities; TP property damage up to INR 750,000, optional restriction to INR 6000","note":null,"quote":"Structure | Limit of liability -Indemnity ... Coverage to the Third Party liabilities ... Third Party Property Damages upto INR 750,000 with an option to restrict the coverage to INR 6000 whereby there will be reduction in Liability only premium","sources":[{"clause":"Row 3","heading":"Structure","page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-act-only-irdan144rp0001v01200910/document/15117#c-row-3"},{"clause":"Row 5","heading":"Sum Insured / Motor Insured Declared Value","page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-act-only-irdan144rp0001v01200910/document/15117#c-row-5"}],"law":[]}],"documents":[{"kind":"wording","label":"Motor Act Only Policy Wordings","pages":10,"fetched_at":"2026-10-17 20:06:50+00","source_url":"https://content.sbigeneral.in/uploads/SBIG_Act_Only_Policy_Policy_Wording_26101001_4c73245953.pdf","url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-act-only-irdan144rp0001v01200910/document/15186"},{"kind":"prospectus","label":"Motor Act Only Prospectus","pages":3,"fetched_at":"2026-10-17 20:05:42+00","source_url":"https://content.sbigeneral.in/uploads/Prospectus_00807447db.pdf","url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-act-only-irdan144rp0001v01200910/document/15141"},{"kind":"cis","label":"Motor Act Only CIS","pages":4,"fetched_at":"2026-10-17 20:04:43+00","source_url":"https://content.sbigeneral.in/uploads/418b836dd9ac4f619340e0444e541b75.pdf","url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-act-only-irdan144rp0001v01200910/document/15117"}],"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 Act Only (UIN IRDAN144RP0001V01200910), IndiaInsurances, https://indiainsurances.com/policy/sbi-general-insurance/motor-act-only-irdan144rp0001v01200910"}