{"uin":"IRDAN144RP0005V03201112","name":"Motor Private Car Insurance","url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-private-car-insurance-irdan144rp0005v03201112","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":"This is a Private Car Insurance Policy – Package covering loss or damage to the vehicle, third-party liability and owner-driver personal accident cover up to ` 15 lakhs. The policy term is one year and add-ons include depreciation reimbursement, roadside assistance, engine guard, return to invoice and tyre and rim secure.","analysis":{"state":"machine","analysed_at":"2026-10-20 05:42:32.20191+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"quote-verified","value":["Private Car Insurance Policy – Package"],"display":"Private Car Insurance Policy – Package","note":"No other named plan variants are stated.","quote":"1. | Name of Insurance Product | Private Car Insurance Policy – Package","sources":[{"clause":"Row 1","heading":"Name of Insurance Product","page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-private-car-insurance-irdan144rp0005v03201112/document/14889#c-row-1"}],"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":"One year.","display":"One year","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 for a period of one year.","sources":[{"clause":null,"heading":"Private Car Insurance Policy - Package","page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-private-car-insurance-irdan144rp0005v03201112/document/14890#c-private-car-insurance-policy-package"}],"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":"Written notice to the Company must be given immediately on accidental loss or damage. For theft or a criminal act, immediate notice must also be given to the police.","display":"Immediately on accidental loss or damage; immediate police notice for theft or criminal act","note":null,"quote":"Notice shall be given in writing to the Company immediately upon the occurrence of any accidental loss or damage in the event of any claim and thereafter the insured shall give all such information and assistance as the Company shall require. ... 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 and co-operate with the Company in securing the conviction of the oģender.","sources":[{"clause":"8","heading":"CONDITIONS","page":3,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-private-car-insurance-irdan144rp0005v03201112/document/14894#c-8"}],"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 other related documents","note":null,"quote":"Driving ... license, FIR, Ĥtness certiĤcate, permit, claim form and any other related documents required for assessing the claim.","sources":[{"clause":"10","heading":"CLAIM SETTLEMENT","page":10,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-private-car-insurance-irdan144rp0005v03201112/document/14894#c-10"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"quote-verified","value":"The Company says it will settle the 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, as the case may be.","display":"Settlement within 7 days of surveyor report and necessary documents; rejection within twenty-two days of Survey Report or additional Survey Report","note":null,"quote":"The Company will settle the claim under this Policy within 7 days of receipt of the surveyor report and necessary documents ie. ... 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, as the case may be","sources":[{"clause":"10","heading":"CLAIM SETTLEMENT","page":10,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-private-car-insurance-irdan144rp0005v03201112/document/14894#c-10"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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 register the grievance directly with SBI General by writing to head.customercare@sbigeneral.in or gro@sbigeneral.in, or by calling 1800 102 1111. The policy says the 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\nPunjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir, Ladakh & Chandigarh | S.C.O. No. 101, 102 & 103, 2nd Floor, Batra Building, Sector 17 – D, Chandigarh – 160 017. Tel.: 0172 - 2706196 / 2706468 Fax: 0172 - 2708274 Email: bimalokpal.chandigarh@ecoi.co.in\nto 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":"11","heading":"GRIEVANCE REDRESSAL PROCEDURE","page":10,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-private-car-insurance-irdan144rp0005v03201112/document/14894#c-11"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"perils","label":"What is covered","section":"Cover","meaning":"The events or risks covered.","status":"quote-verified","value":["Ĥre explosion self ignition or lightning","burglary housebreaking or theft","riot and strike","earthquake (Ĥre and shock damage)","ĥood typhoon hurricane storm tempest inundation cyclone hailstorm frost","accidental external means","malicious act","terrorist activity","whilst in transit by road rail inland-waterway lift elevator or air","landslide rockslide"],"display":"Fire, explosion, self ignition or lightning; burglary, housebreaking or theft; riot and strike; earthquake; flood and storm perils; accidental external means; malicious act; terrorist activity; transit; landslide or rockslide","note":null,"quote":"The Company will indemnify the Insured against loss or damage to the vehicle insured hereunder and / or its accessories whilst thereon ... i) by Ĥre explosion self ignition or lightning ; ... ii) by burglary housebreaking or theft ; ... iii) by riot and strike; ... iv) by earthquake (Ĥre and shock damage); ... v) by ĥood typhoon hurricane storm tempest inundation cyclone hailstorm frost; ... vi) by accidental external means; ... vii) by malicious act; ... viii) by terrorist activity; ix. whilst in transit by road rail inland-waterway lift elevator or air;\nx. by landslide rockslide.","sources":[{"clause":"2","heading":"COVERAGE","page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-private-car-insurance-irdan144rp0005v03201112/document/14894#c-2"},{"clause":"2(a)(i)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-private-car-insurance-irdan144rp0005v03201112/document/14894#c-2-a-i"},{"clause":"2(a)(ii)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-private-car-insurance-irdan144rp0005v03201112/document/14894#c-2-a-ii"},{"clause":"2(a)(iii)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-private-car-insurance-irdan144rp0005v03201112/document/14894#c-2-a-iii"},{"clause":"2(a)(iv)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-private-car-insurance-irdan144rp0005v03201112/document/14894#c-2-a-iv"},{"clause":"2(a)(v)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-private-car-insurance-irdan144rp0005v03201112/document/14894#c-2-a-v"},{"clause":"2(a)(vi)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-private-car-insurance-irdan144rp0005v03201112/document/14894#c-2-a-vi"},{"clause":"2(a)(vii)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-private-car-insurance-irdan144rp0005v03201112/document/14894#c-2-a-vii"},{"clause":"2(a)(viii)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-private-car-insurance-irdan144rp0005v03201112/document/14894#c-2-a-viii"}],"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 period if term is up to one year and no claim has been made","note":"For policies with term more than one year, the wording states refund of premium for the unexpired policy period where risk coverage for such policy years has not commenced.","quote":"The insured can cancel the policy at any time during the term, by informing the company. ... a) 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":"8(b)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-private-car-insurance-irdan144rp0005v03201112/document/14894#c-8-b"},{"clause":"8(a)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-private-car-insurance-irdan144rp0005v03201112/document/14894#c-8-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 wording excludes loss outside the geographical area and has an endorsement to extend the geographical area, but the base geographical area is not listed in the extracted 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":["compulsory Third Party Liability","loss or damage to the Vehicle itself"],"display":"Package policy: compulsory Third Party Liability together with loss or damage to the Vehicle itself","note":"The document names this product as a Private Car Insurance Policy – Package.","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 for a period of one year.","sources":[{"clause":null,"heading":"Private Car Insurance Policy - Package","page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-private-car-insurance-irdan144rp0005v03201112/document/14890#c-private-car-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 for legal liability arising from an accident caused by or arising out of use of the vehicle, for death or bodily injury to any person and for damage to property other than property belonging to, held in trust by, or in the custody or control of the insured.","display":"Legal liability for death or bodily injury to any person and damage to third-party property","note":"The wording says this is subject to the limits of liability in the Schedule; it does not print an unlimited death or injury limit in these clauses.","quote":"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 :- ... i) death of or bodily injury to any person including occupants carried in the vehicle ... ii) damage to property other than property belonging to the Insured or held in trust or in the custody or control of the Insured.","sources":[{"clause":"5(c)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-private-car-insurance-irdan144rp0005v03201112/document/14894#c-5-c-2"},{"clause":"5(c)(i)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-private-car-insurance-irdan144rp0005v03201112/document/14894#c-5-c-i"},{"clause":"5(c)(ii)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-private-car-insurance-irdan144rp0005v03201112/document/14894#c-5-c-ii"}],"law":[{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch V, I, Paras 1 to 4","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch V, I, Para 7","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 146","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 147","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 150","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 157","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 164","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 161","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 166(3)","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 162","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"idv","label":"Insured declared value (IDV)","section":"Cover","meaning":"The vehicle's insured value: maximum paid for theft or total loss.","status":"quote-verified","value":"The Insured’s Declared Value of the vehicle is deemed the Sum Insured. It is fixed at the commencement of each policy period based on the manufacturer’s listed selling price of the brand and model at commencement of insurance or renewal, adjusted for depreciation; for total loss or constructive total loss, IDV is treated as Market Value throughout the policy period.","display":"IDV is the Sum Insured, based on manufacturer’s listed selling price less depreciation; treated as Market Value for TL/CTL","note":"For vehicles beyond 5 years and obsolete models, IDV is determined on the basis of an understanding between the Company and the Insured.","quote":"The Insured’s Declared Value (IDV) of the vehicle will be deemed to be the ‘SUM INSURED’ for the purpose of this Policy 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 of the brand and model as the vehicle insured at the commencement of insurance/renewal and adjusted for depreciation ... IDV shall be treated as the ‘Market Value’ throughout the policy period without any further depreciation for the purpose of Total Loss (TL) / Constructive Total Loss (CTL) claims.","sources":[{"clause":null,"heading":"3. SUM INSURED – INSURED’S DECLARED","page":2,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-private-car-insurance-irdan144rp0005v03201112/document/14894#c-3-sum-insured-insureds-declared"},{"clause":null,"heading":"THE SCHEDULE OF DEPRECIATION FOR FIXING IDV OF THE","page":3,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-private-car-insurance-irdan144rp0005v03201112/document/14894#c-the-schedule-of-depreciation-for-fixing-idv-of-t"}],"law":[]},{"key":"depreciation","label":"Depreciation on parts","section":"Limits and co-pay","meaning":"How much of the cost of replaced parts you bear because of age (unless you have zero depreciation).","status":"quote-verified","value":"For replaced parts, depreciation is 50% for rubber/nylon/plastic parts, tyres and tubes, batteries and air bags; 30% for fibre glass components; Nil for glass; and for other parts including wooden parts, an age-wise schedule applies from NIL when not exceeding 6 months to 50% when exceeding 10 years.","display":"Parts depreciation: 50% rubber/nylon/plastic/tyres/tubes/batteries/air bags; 30% fibre glass; Nil glass; other parts age-wise NIL to 50%","note":"The age-wise schedule for other parts is Nil up to 6 months, 5% over 6 months to 1 year, 10% over 1 to 2 years, 15% over 2 to 3 years, 25% over 3 to 4 years, 35% over 4 to 5 years, 40% over 5 to 10 years, and 50% over 10 years.","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.\nAGE OF VEHICLE | % OF DEPRECIATION ... Not exceeding 6 months | NIL ... Exceeding 10 years | 50%","sources":[{"clause":"2(a)(viii)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-private-car-insurance-irdan144rp0005v03201112/document/14894#c-2-a-viii"}],"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 can go as high as 50%. NCB is allowed only if the policy is renewed within 90 days of the expiry date of the previous policy.","display":"No Claim Bonus on renewal up to 50%, if renewed within 90 days of previous policy expiry","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/motor-private-car-insurance-irdan144rp0005v03201112/document/14890#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 a compulsory deductible applies and refer to the Schedule/GR.40, but the actual fixed amount is not printed in the extracted clauses.","quote":null,"sources":[],"law":[]},{"key":"deductible","label":"Voluntary deductible","section":"Limits and co-pay","meaning":"An extra amount per claim you choose to bear for a lower premium.","status":"quote-verified","value":"A voluntary deductible is optional and is over and above the compulsory deductible. The prospectus lists options of Rs. 2500, Rs. 5000, Rs. 7500 and Rs. 15000 with corresponding own-damage premium discounts.","display":"Optional voluntary deductible: Rs. 2500, Rs. 5000, Rs. 7500 or Rs. 15000","note":"Voluntary deductible is chosen by the insured; the actual opted amount is policy-specific.","quote":"Voluntary Deductible Insured may opt for higher deductible over and above the compulsory deductible in which case suitable discount will be allowed as per the following table:\nVoluntary Deductible | Discount\nRs. 2500 | 20% on the OD premium of the vehicle, subject to a maximum of Rs. 2250/-\nRs. 5000 | 25% on the OD premium of the vehicle, subject to a maximum of Rs. 4500/-\nRs. 7500 | 30% on the OD premium of the vehicle, subject to a maximum of Rs. 6000/-\nRs. 15000 | 35% on the OD premium of the vehicle, subject to a maximum of Rs. 7500/-","sources":[{"clause":null,"heading":"Cancellation","page":2,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-private-car-insurance-irdan144rp0005v03201112/document/14890#c-cancellation"}],"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 policy provides personal accident cover for the owner-driver for bodily injury or death in direct connection with the insured vehicle, including while driving, mounting into, dismounting from or travelling in it as a co-driver. Compensation is 100% for death, loss of two limbs or sight of two eyes or one limb and sight of one eye, and permanent total disablement from other injuries; 50% for loss of one limb or sight of one eye, with aggregate liability up to ` 15 lakhs during any one period of insurance.","display":"Owner-driver PA cover up to ` 15 lakhs; 100% for death and specified severe injuries, 50% for loss of one limb or sight of one eye","note":"No compensation is payable for death or bodily injury arising from intentional self injury, suicide or attempted suicide, physical defect or infirmity, or an accident while under the influence of intoxicating liquor or drugs.","quote":"SECTION III – PERSONAL ACCIDENT COVER FOR OWNER-DRIVER The Company undertakes to pay compensation as per the following scale for bodily injury/ death sustained by the owner-driver of the vehicle in direct connection with the vehicle insured or whilst driving or whilst mounting into/dismounting from the insured vehicle or whilst traveling in it as a co-driver ... (i) Death | 100% ... (ii) Loss of two limbs or sight of two eyes or one limb and sight of one eye | 100% ... (iii) Loss of one limb or sight of one eye | 50% ... (iv) Permanent total disablement from injuries othe than named above | r 100% ... total liability of the Company shall not in the aggregate exceed the sum of ` 15 lakhs during any one period of insurance. ... a) the owner-driver is the registered owner of the vehicle insured herein; ... b) the owner-driver is the Insured named in this Policy. ... c) 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":"5(c)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-private-car-insurance-irdan144rp0005v03201112/document/14894#c-5-c"},{"clause":"5(a)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-private-car-insurance-irdan144rp0005v03201112/document/14894#c-5-a-2"},{"clause":"5(b)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-private-car-insurance-irdan144rp0005v03201112/document/14894#c-5-b-2"},{"clause":"5(c)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-private-car-insurance-irdan144rp0005v03201112/document/14894#c-5-c-2"},{"clause":"5(c)(ii)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-private-car-insurance-irdan144rp0005v03201112/document/14894#c-5-c-ii"},{"clause":"5(a)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-private-car-insurance-irdan144rp0005v03201112/document/14894#c-5-a-3"},{"clause":"5(b)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-private-car-insurance-irdan144rp0005v03201112/document/14894#c-5-b-3"},{"clause":"5(c)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-private-car-insurance-irdan144rp0005v03201112/document/14894#c-5-c-3"}],"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","Inconvenience Allowance","Loss of Personal Belongings","Enhanced PA cover for Insured (Owner driver)","Enhanced PA Cover for Unnamed Passengers","Enhanced PA for Paid Driver","Basic Road Side Assistance","Additional Road Side Assitance","Engine Guard","Cover for Consumables","Tyre and Rim Secure","Emergency Medical Expenses","Wall charger and associated components / accessories-","Battery Guard","Go Smart – Flexi Cover","Vehicle replacement edge","Professional fees for app restoration","Hospital Cash Cover for Insured (Owner Driver)","Hospital Cash Cover for Paid Driver","Hospital Cash cover for Unnamed Passengers","EMI Protector"],"display":"Depreciation reimbursement, return to invoice, NCB protection, key replacement, inconvenience allowance, loss of personal belongings, enhanced PA covers, roadside assistance, engine guard, consumables, tyre and rim secure, emergency medical expenses, wall charger, battery guard, Go Smart, vehicle replacement edge, app restoration, hospital cash and EMI protector","note":"Add-ons are available on payment of additional premium and apply if opted.","quote":"The covers listed below are Add On Covers and are available to the Insured on payment of additional premium, subject to below mentioned terms, conditions, and exclusions ... Depreciation Reimbursement | The Company will re-imburse the Insured ... Return to Invoice | In case of TOTAL LOSS, CONSTRUCTIVE TOTAL LOSS or THEFT OF THE INSURED VEHICLE ... Protection of NCB | This add-on cover provides insured with coverage for his NCB ... Cover for Key replacement | The Company will re-imburse the Insured, the cost of replacing the vehicle keys ... Inconvenience Allowance | Company will pay the Insured – daily cash beneĤt ... Loss of Personal Belongings | The Company will pay for the Insured’s loss or damage of his personal belongings ... Enhanced PA cover for Insured (Owner driver) | Company undertakes to pay compensation ... Enhanced PA Cover for Unnamed Passengers | Company undertakes to pay compensation ... Enhanced PA for Paid Driver | Company undertakes to pay compensation ... Basic Road Side Assistance | The Company will provide the following services ... Additional Road Side Assitance | The Company will provide in addition to the basic road side assistance beneĤts ... Engine Guard | Policy extends to cover the damage to the internal child parts of the engine and/or gear box ... Cover for Consumables | Policy extends to cover expenses incurred by the Insured towards consumable items ... Tyre and Rim Secure | Policy covers expenses for repair and/ or replacement ... Emergency Medical Expenses | This add on pays for the medical expenses ... Wall charger and associated components / accessories- | Company will indemnify the Insured ... Battery Guard | Company hereby undertakes to indemnify the Insured ... Go Smart – Flexi Cover | Company hereby undertakes to provide the Insured upon his request coverage for the kilometer limit ... Vehicle replacement edge | In consideration of payment of additional premium ... Professional fees for app restoration | Company hereby undertakes to reimburse Insured ... Hospital Cash Cover for Insured (Owner Driver) | It pays compensation hospital conĤnement allowance ... Hospital Cash Cover for Paid Driver | It pays compensation hospital conĤnement allowance ... Hospital Cash cover for Unnamed Passengers | It pays compensation hospital conĤnement allowance ... EMI Protector | The company will pay EMI payable by insured to Ĥnancial institution","sources":[{"clause":"Annexure III","heading":null,"page":12,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-private-car-insurance-irdan144rp0005v03201112/document/14894#c-annexure-iii"},{"clause":null,"heading":"Add On Covers","page":2,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-private-car-insurance-irdan144rp0005v03201112/document/14890#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":"Cashless service is described for accidental damage: after contacting the insurer, a surveyor is appointed, documents are collected, loss is assessed, a delivery order is issued 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 procedure is stated for accidental damage and payment to the 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-Invoice 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 as per survey report and policy terms and conditions","sources":[{"clause":null,"heading":"PRIVATE CAR INSURANCE POLICY – PACKAGE CUSTOMER INFORMATION SHEET / KNOW YOUR POLICY","page":3,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-private-car-insurance-irdan144rp0005v03201112/document/14889#c-private-car-insurance-policy-package-customer-in-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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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 on the Insured’s Declared Value basis. IDV is deemed the Sum Insured, fixed at each policy period based on the manufacturer’s listed selling price adjusted for depreciation, and is treated as Market Value for Total Loss or Constructive Total Loss claims.","display":"IDV basis; IDV is the Sum Insured and treated as Market Value for TL/CTL","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 of the brand and model as the vehicle insured at the commencement of insurance/renewal and adjusted for depreciation ... IDV shall be treated as the ‘Market Value’ throughout the policy period without any further depreciation for the purpose of Total Loss (TL) / Constructive Total Loss (CTL) claims.","sources":[{"clause":null,"heading":"3. SUM INSURED – INSURED’S DECLARED","page":2,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-private-car-insurance-irdan144rp0005v03201112/document/14894#c-3-sum-insured-insureds-declared"},{"clause":null,"heading":"THE SCHEDULE OF DEPRECIATION FOR FIXING IDV OF THE","page":3,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-private-car-insurance-irdan144rp0005v03201112/document/14894#c-the-schedule-of-depreciation-for-fixing-idv-of-t"}],"law":[]}],"documents":[{"kind":"wording","label":"Motor Private Car Insurance Policy Wordings","pages":27,"fetched_at":"2026-10-17 19:56:40+00","source_url":"https://content.sbigeneral.in/uploads/PRIVATE_CAR_INSURANCE_POLICY_PACKAGE_Policy_Wording_V1_6b2fce909a.pdf","url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-private-car-insurance-irdan144rp0005v03201112/document/14894"},{"kind":"wording","label":"Private Car Insurance Policy - Add on- Depreciation Reimbursement (IRDAI copy)","pages":1,"fetched_at":"2026-10-20 01:40:29+00","source_url":"https://irdai.gov.in/documents/37343/993134/IRDAN144RP0005V03201112A0007V02201314_GEN4244.pdf/c1797132-d811-7c94-8914-68a4c1e4c1c9?version=1.1&t=1668764852540&download=true","url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-private-car-insurance-irdan144rp0005v03201112/document/26990"},{"kind":"prospectus","label":"Motor Private Car Insurance Prospectus","pages":5,"fetched_at":"2026-10-17 19:56:38+00","source_url":"https://content.sbigeneral.in/uploads/SBIG_Private_Car_Insurance_Policy_Package_Prospectus_26092901_bc3f9f3da5.pdf","url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-private-car-insurance-irdan144rp0005v03201112/document/14890"},{"kind":"cis","label":"Motor Private Car Insurance CIS","pages":6,"fetched_at":"2026-10-17 19:56:37+00","source_url":"https://content.sbigeneral.in/uploads/Private_Car_Insurance_Policy_Package_CIS_V1_ab3a35a47d.pdf","url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-private-car-insurance-irdan144rp0005v03201112/document/14889"}],"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 Private Car Insurance (UIN IRDAN144RP0005V03201112), IndiaInsurances, https://indiainsurances.com/policy/sbi-general-insurance/motor-private-car-insurance-irdan144rp0005v03201112"}