{"uin":"IRDAN144RP0002V02201112","name":"Commercial Motor Insurance","url":"https://indiainsurances.com/policy/sbi-general-insurance/commercial-motor-insurance-irdan144rp0002v02201112","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":"Commercial Vehicle Insurance Policy - Package (Goods Carrying) covers own damage to the insured goods-carrying vehicle and third-party liability. The sum insured is the vehicle's IDV and owner-driver personal accident cover is Rs. 15 lakhs.","analysis":{"state":"machine","analysed_at":"2026-10-20 05:43:07.047802+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"Third-party liability is stated for 1 year or up to the period mentioned in the policy documents for a short period policy.","display":"1 year/upto period mentioned in policy documents (short Period Policy)","note":null,"quote":"Third party liability: protects against any legal liability arising out of the use of the vehicle, towards third parties arising on bodily injury to / on death of a person and any damage caused to third party property for period of 1 year/upto period mentioned in policy documents (short Period Policy).","sources":[{"clause":null,"heading":"Scope of Cover","page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/commercial-motor-insurance-irdan144rp0002v02201112/document/15025#c-scope-of-cover"}],"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 of any accidental loss or damage must be given to the Company in writing immediately. For theft or a criminal act, immediate notice must also be given to the police.","display":"Immediately in writing; theft/criminal act also immediately to police","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 ... In case of theft or criminal act which may be the subject of a claim under this Policy the Insured shall give immediate notice to the police","sources":[{"clause":"7","heading":"CONDITIONS","page":3,"url":"https://indiainsurances.com/policy/sbi-general-insurance/commercial-motor-insurance-irdan144rp0002v02201112/document/15045#c-7"}],"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":["Driving license","FIR","Ĥtness certiĤcate","permit","claim form","any other related documents required for assessing the claim"],"display":"Driving license, FIR, fitness certificate, permit, claim form and any other related documents required for assessing the claim","note":null,"quote":"necessary documents ie. Driving license, FIR, Ĥtness certiĤcate, permit, claim form and any other related documents required for assessing the claim.","sources":[{"clause":null,"heading":"9. CLAIM SETTLEMENT","page":11,"url":"https://indiainsurances.com/policy/sbi-general-insurance/commercial-motor-insurance-irdan144rp0002v02201112/document/15045#c-9-claim-settlement"}],"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":"conflicting","value":"The Company will settle a claim within 7 days of receipt of the surveyor report and necessary documents. If it rejects a claim, it will do so within twenty-two days of the Survey Report or additional Survey Report.","display":"7 days from receipt of surveyor report and necessary documents; rejection within twenty-two days of Survey Report or additional Survey Report","note":"CIS says: 'Within a period of 7 days from the intimation of claim or receipt of the final survey report, as the case may be. Where the Company has failed to receive the report of surveyor within the stipulated time of 15 days, in such case, the claim shall be settled within 22 days from the date of intimation of claim.'","quote":"The Company will settle the claim under this Policy within 7 days of receipt of the surveyor report and necessary documents ie. Driving license, FIR, Ĥtness certiĤcate, permit, claim form and any other related 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 twenty-two days of the Survey Report or the additional Survey Report","sources":[{"clause":null,"heading":"9. CLAIM SETTLEMENT","page":11,"url":"https://indiainsurances.com/policy/sbi-general-insurance/commercial-motor-insurance-irdan144rp0002v02201112/document/15045#c-9-claim-settlement"},{"clause":"4","heading":"Turnaround Time (TAT) for claim settlement","page":4,"url":"https://indiainsurances.com/policy/sbi-general-insurance/commercial-motor-insurance-irdan144rp0002v02201112/document/15022#c-4"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["consequential loss, depreciation, wear and tear, mechanical or electrical breakdown, failures or breakages","damage caused by overloading or strain of the insured vehicle","loss of or damage to accessories by burglary, housebreaking or theft unless such insured vehicle is stolen at the same time","damage to Tyres and Tubes unless the vehicle 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/her in the charge of any person other than a Driver as stated in the Driver's Clause","ionising radiations or contamination by radioactivity","nuclear weapons material","war, invasion, the act of foreign enemies, hostilities or warlike operations"],"display":"Wear and tear, depreciation, breakdown, overloading, tyres/tubes, drunk driving, outside geographical area, contractual liability, wrong use, invalid driver, radiation/nuclear and war risks are excluded.","note":null,"quote":"consequential loss, depreciation, wear and tear, mechanical or electrical breakdown, failures or breakages nor for damage caused by overloading or strain of the insured vehicle nor for loss of or damage to accessories by burglary, housebreaking or theft unless such insured vehicle is stolen at the same time. ... damage to Tyres and Tubes unless the vehicle is damaged at the same time ... under the inĥuence of intoxicating liquor or drugs. ... Any accidental loss or damage and/or liability caused sustained or incurred outside the geographical area; ... Any claim arising out of any contractual liability; ... being used otherwise than in accordance with the ‘Limitations as to Use’ ... being driven by or is for the purpose of being driven by him/her in the charge of any person other than a Driver as stated in the Driver's Clause. ... ionising radiations or contamination by radioactivity ... nuclear weapons material ... war, invasion, the act of foreign enemies, hostilities or warlike operations","sources":[{"clause":"2(a)(x)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/commercial-motor-insurance-irdan144rp0002v02201112/document/15045#c-2-a-x"},{"clause":"5","heading":"GENERAL EXCEPTIONS","page":3,"url":"https://indiainsurances.com/policy/sbi-general-insurance/commercial-motor-insurance-irdan144rp0002v02201112/document/15045#c-5"},{"clause":"5(a)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/sbi-general-insurance/commercial-motor-insurance-irdan144rp0002v02201112/document/15045#c-5-a"},{"clause":"5(b)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/sbi-general-insurance/commercial-motor-insurance-irdan144rp0002v02201112/document/15045#c-5-b"}],"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 SBI General at head.customercare@sbigeneral.in or gro@sbigeneral.in, or call 1800 102 1111. The company says a final response would be conveyed within 14 days from receipt of the complaint.","display":"Write to head.customercare@sbigeneral.in or gro@sbigeneral.in, or call 1800 102 1111; final response within 14 days","note":null,"quote":"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":"10. GRIEVANCE REDRESSAL PROCEDURE","page":11,"url":"https://indiainsurances.com/policy/sbi-general-insurance/commercial-motor-insurance-irdan144rp0002v02201112/document/15045#c-10-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","death of or bodily injury to any person","damage to property caused by the use","Personal Accident Cover for Owner-Driver"],"display":"Own damage perils, third-party death/injury/property damage and owner-driver personal accident cover","note":null,"quote":"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. ... death of or bodily injury to any person ... damage to property caused by the use ... SECTION IV – PERSONAL ACCIDENT COVER FOR OWNER-DRIVER","sources":[{"clause":"2(a)(i)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/commercial-motor-insurance-irdan144rp0002v02201112/document/15045#c-2-a-i"},{"clause":"2(a)(ii)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/commercial-motor-insurance-irdan144rp0002v02201112/document/15045#c-2-a-ii"},{"clause":"2(a)(iii)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/commercial-motor-insurance-irdan144rp0002v02201112/document/15045#c-2-a-iii"},{"clause":"2(a)(iv)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/commercial-motor-insurance-irdan144rp0002v02201112/document/15045#c-2-a-iv"},{"clause":"2(a)(v)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/commercial-motor-insurance-irdan144rp0002v02201112/document/15045#c-2-a-v"},{"clause":"2(a)(vi)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/commercial-motor-insurance-irdan144rp0002v02201112/document/15045#c-2-a-vi"},{"clause":"2(a)(vii)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/commercial-motor-insurance-irdan144rp0002v02201112/document/15045#c-2-a-vii"},{"clause":"2(a)(viii)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/commercial-motor-insurance-irdan144rp0002v02201112/document/15045#c-2-a-viii"},{"clause":"2(a)(ix)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/commercial-motor-insurance-irdan144rp0002v02201112/document/15045#c-2-a-ix"},{"clause":"2(a)(x)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/commercial-motor-insurance-irdan144rp0002v02201112/document/15045#c-2-a-x"},{"clause":"4(c)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/sbi-general-insurance/commercial-motor-insurance-irdan144rp0002v02201112/document/15045#c-4-c"},{"clause":"4(b)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/sbi-general-insurance/commercial-motor-insurance-irdan144rp0002v02201112/document/15045#c-4-b-4"}],"law":[]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"The insured can cancel the policy at any time during the term by informing the company. If the policy term is up to one year and no claim has been made, the company refunds proportionate premium for the unexpired policy period.","display":"Proportionate premium for unexpired policy period if term is up to one year and no claims made","note":null,"quote":"The insured can cancel the policy at any time during the term, by informing the company. ... 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.","sources":[{"clause":"7(b)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/sbi-general-insurance/commercial-motor-insurance-irdan144rp0002v02201112/document/15045#c-7-b"},{"clause":"7(a)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/sbi-general-insurance/commercial-motor-insurance-irdan144rp0002v02201112/document/15045#c-7-a-2"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"not-stated","value":null,"display":null,"note":"The policy excludes losses outside the geographical area and provides an optional extension endorsement, but the base geographical area itself is not printed in these clauses.","quote":null,"sources":[],"law":[]},{"key":"cover_types","label":"Cover types","section":"Cover","meaning":"Comprehensive, standalone own damage, third-party only.","status":"quote-verified","value":["Package policy: Third Party Liability together with loss or damage to the Vehicle itself"],"display":"Package policy: third-party liability together with loss or damage to the vehicle","note":null,"quote":"This Policy is designed to cover the compulsory Third Party Liability as required by Motor Vehicles Act, together with loss or damage to the Vehicle itself.","sources":[{"clause":null,"heading":"Commercial Vehicle Insurance Policy - Package","page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/commercial-motor-insurance-irdan144rp0002v02201112/document/15025#c-commercial-vehicle-insurance-policy-package"}],"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 the insured, subject to the limits of liability in the Schedule, for legal liability for death or bodily injury to any person and damage to property caused by use of the vehicle.","display":"Legal liability for death or bodily injury to any person and damage to property, subject to Schedule limits","note":"The wording states liability is subject to limits in the Schedule; it does not print that death or injury liability is unlimited.","quote":"Subject to the limits of liability as laid down in the Schedule hereto the Company will indemnify the Insured in the event of an accident caused by or arising out of the use of the vehicle against all sums which the Insured shall become legally liable to pay in respect of :-\ni) 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.\nii) damage to property caused by the use (including the loading and/or unloading) of the vehicle.","sources":[{"clause":"4(c)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/sbi-general-insurance/commercial-motor-insurance-irdan144rp0002v02201112/document/15045#c-4-c"}],"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 the sum insured, fixed at the commencement of each policy period on the basis of the manufacturer’s listed selling price adjusted for depreciation. For total loss or constructive total loss, liability is the IDV specified in the Schedule less the value of the wreck.","display":"IDV is the sum insured; for total loss/constructive total loss, 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 which is Ĥxed at the commencement of each Policy period for the insured vehicle. The IDV of the vehicle (and accessories if any Ĥtted to the vehicle) is to be Ĥxed on the basis of the manufacturer’s listed selling price ... For total loss / constructive total loss of the vehicle - the Insured's Declared Value (IDV) of the vehicle (including accessories thereon) as speciĤed in the Schedule less the value of the wreck.","sources":[{"clause":null,"heading":"3. SUM INSURED – INSURED’S DECLARED VALUE (IDV)","page":3,"url":"https://indiainsurances.com/policy/sbi-general-insurance/commercial-motor-insurance-irdan144rp0002v02201112/document/15045#c-3-sum-insured-insureds-declared-value-idv"},{"clause":"7(a)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/sbi-general-insurance/commercial-motor-insurance-irdan144rp0002v02201112/document/15045#c-7-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 replaced parts: rubber, nylon, plastic parts, tyres and tubes, batteries and air bags have 50% depreciation; fibre glass components 30%; glass Nil; other parts including wooden parts follow the age schedule 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 up to 50%","note":null,"quote":"Subject to a deduction for depreciation at the rates mentioned below in respect of parts replaced: (1) For all rubber/ nylon / plastic parts, tyres and tubes, batteries and air bags - 50% (2) For Ĥbre glass components – 30% (3) For all parts made of glass - Nil (4) Rate of depreciation for all other parts including wooden parts will be as per the following schedule. ... Not exceeding 6 months | NIL ... Exceeding 10 years | 50%","sources":[{"clause":"2(a)(x)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/commercial-motor-insurance-irdan144rp0002v02201112/document/15045#c-2-a-x"}],"law":[]},{"key":"ncb","label":"No-claim bonus","section":"Cover","meaning":"Discount on own-damage premium for claim-free years (20% to 50%).","status":"quote-verified","value":"If no claim is made during the policy period, a No Claim Bonus is offered on renewals and the discount can go as high as 50%. NCB is allowed only if the policy is renewed within 90 days of the previous policy expiry date.","display":"No Claim Bonus on renewals, up to 50%; renewal within 90 days","note":null,"quote":"No Claim Bonus: If you do not make a claim during the Policy period, a No Claim Bonus (NCB) is oģered on renewals. This discount can go as high as 50%. (NCB will only be allowed provided the Policy is renewed within 90 days of the expiry date of the previous policy.)","sources":[{"clause":null,"heading":"Discounts Available","page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/commercial-motor-insurance-irdan144rp0002v02201112/document/15025#c-discounts-available"}],"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 documents say the compulsory deductible is stated in the Schedule or shown as Rs xxxx, but do not print a fixed 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 only contains a stray reference to voluntary deductible opted in the policy, but does not state available voluntary deductible amounts.","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":"quote-verified","value":"The owner-driver personal accident cover pays compensation for specified accidental injury or death, with total liability not exceeding Rs. 15 lakhs during any one period of insurance. The owner-driver must be the registered owner, the insured named in the policy and must hold an effective driving licence at the time of the accident.","display":"Rs. 15 lakhs; owner-driver must be registered owner, named insured and hold an effective driving licence","note":null,"quote":"the total liability of the Company shall not in the aggregate exceed the sum of Rs. 15 lakhs during any one period of insurance. ... the owner-driver is the registered owner of the vehicle insured herein; ... the owner-driver is the Insured named in this Policy. ... the owner-driver holds an eģective driving license, in accordance with the provisions of Rule 3 of the Central Motor Vehicles Rules, 1989, at the time of the accident.","sources":[{"clause":"4(b)(i)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/sbi-general-insurance/commercial-motor-insurance-irdan144rp0002v02201112/document/15045#c-4-b-i"},{"clause":"4(a)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/sbi-general-insurance/commercial-motor-insurance-irdan144rp0002v02201112/document/15045#c-4-a-5"},{"clause":"4(b)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/sbi-general-insurance/commercial-motor-insurance-irdan144rp0002v02201112/document/15045#c-4-b-5"},{"clause":"4(c)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/sbi-general-insurance/commercial-motor-insurance-irdan144rp0002v02201112/document/15045#c-4-c-4"}],"law":[{"title":"Enhancement of Capital Sum Insured in Compulsory Personal Accident Cover for Owner-Driver under Motor Insurance Policies","section":"Para 4(i) to (iii)","url":"https://indiainsurances.com/law/irdai-motor-cpa-2018"},{"title":"Compulsory Personal Accident Insurance for Owner-Driver under Motor Insurance","section":"Paras 1 and 2","url":"https://indiainsurances.com/law/irdai-motor-cpa-choice-2018"},{"title":"Cover for Compulsory Personal Accident (CPA) for Owner-Driver under Motor Insurance Policies","section":"Para 3","url":"https://indiainsurances.com/law/irdai-motor-cpa-standalone-2018"},{"title":"Cover for Compulsory Personal Accident (CPA) for Owner-Driver under Motor Insurance Policies","section":"Para 4(iv) to (viii)","url":"https://indiainsurances.com/law/irdai-motor-cpa-standalone-2018"}]},{"key":"addons","label":"Add-ons offered","section":"Cover","meaning":"Zero depreciation, engine protect, return to invoice, roadside assistance, consumables...","status":"quote-verified","value":["Depreciation Reimbursement","Return to Invoice","Protection of NCB","Cover for Key replacement","Enhanced PA cover for Insured (Owner driver)","Enhanced PA Cover for Unnamed Passengers","Enhanced PA for Paid Driver","Engine Guard","EMI Protector","Loss of Income","Hospital Cash Cover for Insured (Owner Driver)","Hospital Cash Cover for Paid Driver","Hospital Cash cover for Unnamed Passengers","Roadside Assistance","Battery Guard"],"display":"Depreciation Reimbursement, Return to Invoice, Protection of NCB, Key replacement, Enhanced PA covers, Engine Guard, EMI Protector, Loss of Income, Hospital Cash covers, Roadside Assistance and Battery Guard","note":"These are add-ons available at additional premium; base cover fields are not answered from add-on benefits.","quote":"Depreciation Reimbursement | The Company will re-imburse the Insured, the amount of depreciation deducted on the value of parts which were allowed to be replaced for own damage claim lodged\nReturn to Invoice | In case of TOTAL LOSS, CONSTRUCTIVE TOTAL LOSS or THEFT OF THE INSURED VEHICLE the Company will pay IDV or replace with, a NEW vehicle of same make and model ... Protection of NCB | This add-on cover provides insured with coverage for his NCB even if insured makes an insurance claim during his policy period. ... Cover for Key replacement | The Company will re-imburse the Insured, the cost of replacing the vehicle keys which are lost, stolen or the vehicle lock is broken at the time of burglary or attempted burglary. ... Enhanced PA cover for Insured (Owner driver) ... Enhanced PA Cover for Unnamed Passengers ... Enhanced PA for Paid Driver ... Engine Guard ... EMI Protector ... Loss of Income: ... Hospital Cash Cover for Insured (Owner Driver) ... Hospital Cash Cover for Paid Driver ... Hospital Cash cover for Unnamed Passengers ... Roadside Assistance ... Battery Guard","sources":[{"clause":null,"heading":"Add On Covers","page":2,"url":"https://indiainsurances.com/policy/sbi-general-insurance/commercial-motor-insurance-irdan144rp0002v02201112/document/15025#c-add-on-covers"}],"law":[]},{"key":"cashless_garages","label":"Cashless garages","section":"Claims","meaning":"Whether repairs can be cashless at network garages.","status":"quote-verified","value":"The CIS describes a cashless service process: after assessment, a delivery order is provided on receipt of the repaired vehicle pre-invoice and claim payment is processed in favour of the repairer after final documents.","display":"Yes, cashless service process with payment to garage/repairer","note":null,"quote":"Procedure to be followed for cashless service A. For accidental damage : Contact us as above mention modes B. You will receive a text message with contact details of the surveyor appointed for your claim. C. Document Submission: Surveyor collect all relevant documents from you or documents may be submitted to branch digitally through whatsapp/Mobile app or link shared by us D. Assessment: Loss will be assessed by surveyor as per policy terms and conditions. E. Delivery Order/Vehicle Delivery: On receipt of Pre-In-voice of repaired vehicle delivery order will be provided as per survey report and policy terms and conditions. F. Payment to garage: We will process the claim payment in favour of repairer post receipt of the Final document","sources":[{"clause":null,"heading":"COMMERCIAL VEHICLE INSURANCE POLICY - PACKAGE (GOODS CARRYING) CUSTOMER INFORMATION SHEET / KNOW YOUR POLICY","page":2,"url":"https://indiainsurances.com/policy/sbi-general-insurance/commercial-motor-insurance-irdan144rp0002v02201112/document/15022#c-commercial-vehicle-insurance-policy-package-good-2"}],"law":[]},{"key":"motor_exclusions","label":"Main motor exclusions","section":"Exclusions","meaning":"No valid licence, drunk driving, use outside the permitted purpose, wear and tear...","status":"quote-verified","value":["consequential loss, depreciation, wear and tear, mechanical or electrical breakdown, failures or breakages","damage caused by overloading or strain of the insured vehicle","damage to Tyres and Tubes unless the vehicle is damaged at the same time","under the inĥuence of intoxicating liquor or drugs","being used otherwise than in accordance with the ‘Limitations as to Use’","being driven by or is for the purpose of being driven by him/her in the charge of any person other than a Driver as stated in the Driver's Clause","outside the geographical area","contractual liability","ionising radiations or contamination by radioactivity","nuclear weapons material","war, invasion, the act of foreign enemies, hostilities or warlike operations"],"display":"Wear and tear, depreciation, breakdown, overloading, tyre damage, drunk driving, wrong use, invalid driver, outside geographical area, contractual liability, radiation/nuclear and war risks","note":null,"quote":"consequential loss, depreciation, wear and tear, mechanical or electrical breakdown, failures or breakages nor for damage caused by overloading or strain of the insured vehicle ... damage to Tyres and Tubes unless the vehicle is damaged at the same time ... under the inĥuence of intoxicating liquor or drugs. ... being used otherwise than in accordance with the ‘Limitations as to Use’ ... being driven by or is for the purpose of being driven by him/her in the charge of any person other than a Driver as stated in the Driver's Clause. ... Any accidental loss or damage and/or liability caused sustained or incurred outside the geographical area; ... Any claim arising out of any contractual liability; ... ionising radiations or contamination by radioactivity ... nuclear weapons material ... war, invasion, the act of foreign enemies, hostilities or warlike operations","sources":[{"clause":"2(a)(x)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/commercial-motor-insurance-irdan144rp0002v02201112/document/15045#c-2-a-x"},{"clause":"5","heading":"GENERAL EXCEPTIONS","page":3,"url":"https://indiainsurances.com/policy/sbi-general-insurance/commercial-motor-insurance-irdan144rp0002v02201112/document/15045#c-5"},{"clause":"5(a)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/sbi-general-insurance/commercial-motor-insurance-irdan144rp0002v02201112/document/15045#c-5-a"},{"clause":"5(b)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/sbi-general-insurance/commercial-motor-insurance-irdan144rp0002v02201112/document/15045#c-5-b"}],"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 amount is the Insured’s Declared Value (IDV), fixed at the start of each policy period from the manufacturer’s listed selling price adjusted for depreciation. For vehicles beyond 5 years and obsolete models, IDV is determined by understanding between the Company and the Insured and is treated as Market Value throughout the policy period.","display":"IDV based on manufacturer’s listed selling price adjusted for depreciation; treated as Market 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 which is Ĥxed at the commencement of each Policy period for the insured vehicle. The IDV of the vehicle (and accessories if any Ĥtted to the vehicle) is to be Ĥxed on the basis of the manufacturer’s listed selling price ... IDV of vehicles beyond 5 years of age and of obsolete models of the vehicles (i.e. models which the manufacturers have discontinued to manufacture) is to be determined on the basis of an understanding between the Company and the Insured. IDV shall be treated as the ‘Market Value’ throughout the Policy period","sources":[{"clause":null,"heading":"3. SUM INSURED – INSURED’S DECLARED VALUE (IDV)","page":3,"url":"https://indiainsurances.com/policy/sbi-general-insurance/commercial-motor-insurance-irdan144rp0002v02201112/document/15045#c-3-sum-insured-insureds-declared-value-idv"},{"clause":"6","heading":"DEDUCTIBLE","page":3,"url":"https://indiainsurances.com/policy/sbi-general-insurance/commercial-motor-insurance-irdan144rp0002v02201112/document/15045#c-6"}],"law":[]}],"documents":[{"kind":"wording","label":"Commercial Motor Insurance Commercial Vehicle Insurance Policy – Package (Goods Carrying) Policy Wordings","pages":26,"fetched_at":"2026-10-17 20:02:19+00","source_url":"https://content.sbigeneral.in/uploads/SBIG_Commercial_Vehicle_Insurance_Policy_Package_Goods_Carrying_PW_26100101_8638e29430.pdf","url":"https://indiainsurances.com/policy/sbi-general-insurance/commercial-motor-insurance-irdan144rp0002v02201112/document/15045"},{"kind":"prospectus","label":"Commercial Motor Insurance Commercial Vehicle Insurance Policy - Package (Miscellaneous Vehicles) Prospectus","pages":3,"fetched_at":"2026-10-17 20:01:42+00","source_url":"https://content.sbigeneral.in/uploads/11_Propsectus_Misc_D_797392824f.pdf","url":"https://indiainsurances.com/policy/sbi-general-insurance/commercial-motor-insurance-irdan144rp0002v02201112/document/15023"},{"kind":"prospectus","label":"Commercial Motor Insurance Commercial Vehicle Insurance Policy - Package (Goods Carrying) Prospectus","pages":3,"fetched_at":"2026-10-17 20:01:48+00","source_url":"https://content.sbigeneral.in/uploads/SBIG_Commercial_Vehicle_Ins_Policy_Package_Goods_Carrying_Propsectus_26092901_1_b70e46d234.pdf","url":"https://indiainsurances.com/policy/sbi-general-insurance/commercial-motor-insurance-irdan144rp0002v02201112/document/15025"},{"kind":"cis","label":"Commercial Motor Insurance Commercial Vehicle Insurance Policy – Package (Goods Carrying) CIS","pages":5,"fetched_at":"2026-10-17 20:01:41+00","source_url":"https://content.sbigeneral.in/uploads/SBIG_Commercial_Vehicle_Insurance_Policy_Package_Goods_Carrying_CIS_26092901_1_a9815a8797.pdf","url":"https://indiainsurances.com/policy/sbi-general-insurance/commercial-motor-insurance-irdan144rp0002v02201112/document/15022"},{"kind":"cis","label":"Commercial Motor Insurance Commercial Vehicle Insurance Policy - Package (Miscellaneous Vehicles) CIS","pages":5,"fetched_at":"2026-10-17 20:01:53+00","source_url":"https://content.sbigeneral.in/uploads/SBIG_Commercial_Vehicle_Insurance_Policy_Package_Miscellaneous_Vehicles_CIS_26092901_1_3778788a17.pdf","url":"https://indiainsurances.com/policy/sbi-general-insurance/commercial-motor-insurance-irdan144rp0002v02201112/document/15027"},{"kind":"brochure","label":"Commercial Motor Insurance Brochure","pages":6,"fetched_at":"2026-10-17 19:58:57+00","source_url":"https://content.sbigeneral.in/uploads/53fe10b9acd34de59b9008f7df9b3d43.pdf","url":"https://indiainsurances.com/policy/sbi-general-insurance/commercial-motor-insurance-irdan144rp0002v02201112/document/14954"}],"versions":[{"uin":"IRDAN144RP0003V02201112","version":null,"approved_on":null},{"uin":"IRDAN144RP0002V02201112","version":null,"approved_on":null}],"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":"Commercial Motor Insurance (UIN IRDAN144RP0002V02201112), IndiaInsurances, https://indiainsurances.com/policy/sbi-general-insurance/commercial-motor-insurance-irdan144rp0002v02201112"}