{"uin":"IRDAN144RP0006V02201112","name":"Motor Two Wheeler Insurance","url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-two-wheeler-insurance-irdan144rp0006v02201112","insurer":{"slug":"sbi-general-insurance","name":"SBI General Insurance Company Limited","url":"https://indiainsurances.com/insurer/sbi-general-insurance"},"line":"general","category":"motor-two-wheeler","category_name":"Two-wheeler insurance","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"This is a two wheeler package policy covering loss or damage to the vehicle, third-party liability and owner-driver personal accident cover up to Rs. 15 lakh. The sum insured is the IDV treated as market value for total loss or constructive total loss, and add-ons include depreciation reimbursement, engine guard, tyre and rim guard and roadside assistance.","analysis":{"state":"machine","analysed_at":"2026-10-20 05:42:12.486892+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":"One year.","display":"One year","note":"The policy wording defines the policy period by reference to the Policy Schedule.","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":"Two Wheeler Insurance Policy - Package","page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-two-wheeler-insurance-irdan144rp0006v02201112/document/14887#c-two-wheeler-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":"Notice must be given in writing to the Company immediately upon occurrence of any accidental loss or damage. In case of theft or criminal act, immediate notice must also be given to the police.","display":"Immediately upon occurrence; theft/criminal act to police immediately","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 offender.","sources":[{"clause":"8","heading":"CONDITIONS","page":3,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-two-wheeler-insurance-irdan144rp0006v02201112/document/14891#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","fitness certificate","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":"necessary documents ie. Driving license, FIR, fitness certificate, permit, claim form and any other related documents required for assessing the claim","sources":[{"clause":"10","heading":"CLAIM SETTLEMENT","page":9,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-two-wheeler-insurance-irdan144rp0006v02201112/document/14891#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":"conflicting","value":"The Company 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.","display":"Settle within 7 days of surveyor report and necessary documents; reject 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 theCompany 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, fitness certificate, 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, as the case may be","sources":[{"clause":"10","heading":"CLAIM SETTLEMENT","page":9,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-two-wheeler-insurance-irdan144rp0006v02201112/document/14891#c-10"},{"clause":null,"heading":"TWO WHEELER INSURANCE POLICY - PACKAGE CUSTOMER INFORMATION SHEET / KNOW YOUR POLICY","page":2,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-two-wheeler-insurance-irdan144rp0006v02201112/document/14886#c-two-wheeler-insurance-policy-package-customer-in-2"}],"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 to tyres and tubes unless the vehicle is damaged at the same time","loss or damage to accessories by burglary, housebreaking or theft unless the vehicle is stolen at the same time","any accidental loss or damage suffered whilst the Insured or any person driving the vehicle with the knowledge and consent of the Insured is under the influence of intoxicating liquor or drugs","any accidental loss 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 from any nuclear fuel"],"display":"Consequential loss, depreciation, wear and tear, breakdown, tyre/tube damage unless the vehicle is damaged, theft of accessories unless the vehicle is stolen, intoxication, outside geographical area, contractual liability, use outside limitations, unauthorised driver and nuclear/radioactivity risks","note":null,"quote":"consequential loss, depreciation, wear and tear, mechanical or electrical breakdown, failures or breakages ; ... Damage to tyres and tubes unless the vehicle is damaged at the same time in which case the liability of the Company shall be limited to 50% of the cost of replacement. ... loss or damage to accessories by burglary, housebreaking or theft unless the vehicle is stolen at the same time ; ... any accidental loss or damage suffered whilst the Insured or any person driving the vehicle with the knowledge and consent of the Insured is under the influence of intoxicating liquor or drugs. ... any accidental loss damage and/or liability caused sustained or incurred outside the geographical area;\n2. 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 from any nuclear fuel","sources":[{"clause":"2(a)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-two-wheeler-insurance-irdan144rp0006v02201112/document/14891#c-2-a-2"},{"clause":"2(b)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-two-wheeler-insurance-irdan144rp0006v02201112/document/14891#c-2-b"},{"clause":"2(c)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-two-wheeler-insurance-irdan144rp0006v02201112/document/14891#c-2-c"},{"clause":"2(d)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-two-wheeler-insurance-irdan144rp0006v02201112/document/14891#c-2-d"},{"clause":"6","heading":"GENERAL EXCEPTIONS","page":3,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-two-wheeler-insurance-irdan144rp0006v02201112/document/14891#c-6"},{"clause":"6(a)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-two-wheeler-insurance-irdan144rp0006v02201112/document/14891#c-6-a"},{"clause":"6(b)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-two-wheeler-insurance-irdan144rp0006v02201112/document/14891#c-6-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 final response is to be conveyed within 14 days from receipt of the complaint, after which an unsatisfactory response can be escalated to the Insurance Ombudsman.","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, final response would be conveyed within a period of 14 days from the date of receipt of your complaint. ... If you feel that the response to your Grievance was unsatisfactory, or if you believe your concerns have not been adequately addressed by the company, you may escalate the matter to the Insurance Ombudsman.","sources":[{"clause":"11","heading":"GRIEVANCE REDRESSAL PROCEDURE Stage 1: Bima Bharosa","page":9,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-two-wheeler-insurance-irdan144rp0006v02201112/document/14891#c-11"},{"clause":null,"heading":"Stage2: Escalation to Insurance Ombudsman","page":9,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-two-wheeler-insurance-irdan144rp0006v02201112/document/14891#c-stage2-escalation-to-insurance-ombudsman"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"perils","label":"What is covered","section":"Cover","meaning":"The events or risks covered.","status":"quote-verified","value":["fire, explosion, self ignition or lightning","burglary, housebreaking or theft","riot and strike","earthquake (fire and shock damage)","flood, typhoon, hurricane, storm, tempest, inundation, cyclone, hailstorm and frost","accidental external means","malicious act","terrorist activity","whilst in transit by road, rail, inland-waterway, lift, elevator or air","landslide and rockslide","death of or bodily injury to any person","damage to property other than property belonging to the Insured"],"display":"Own damage perils include fire, theft, riot and strike, earthquake, flood and storm, accident, malicious act, terrorist activity, transit, landslide and rockslide; third-party death, injury and property damage are also covered","note":null,"quote":"I. by fire, explosion, self ignition or lightning ;\nii. by burglary, housebreaking or theft ;\niii. by riot and strike;\niv. by earthquake (fire and shock damage);\nv. by flood, typhoon, hurricane, storm, tempest, inundation, cyclone, hailstorm and frost;\nvi. by accidental external means;\nvii. by malicious act;\nviii. by terrorist activity;\nix. whilst in transit by road, rail, inland-waterway, lift, elevator or air;\nx. By landslide and rockslide. ... death of or bodily injury to any person including occupants carried in the vehicle ... 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":"2(a)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-two-wheeler-insurance-irdan144rp0006v02201112/document/14891#c-2-a"},{"clause":"5(c)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-two-wheeler-insurance-irdan144rp0006v02201112/document/14891#c-5-c-2"}],"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":"You can cancel at any time during the term by informing the Company. For a policy term up to one year, the Company refunds proportionate premium for the unexpired policy period if no claim has been made; for a term more than one year, it refunds premium for policy years whose risk coverage has not commenced.","display":"Proportionate premium for unexpired period if term up to one year and no claim; for terms over one year, unexpired policy years not commenced","note":"Where ownership of the insured vehicle is transferred, the policy cannot be cancelled unless evidence that the vehicle is insured elsewhere is produced.","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. ... refund premium for the unexpired policy period, in respect of policy with the term more than one year and the risk coverage for such policy years has not commenced.","sources":[{"clause":"8(b)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-two-wheeler-insurance-irdan144rp0006v02201112/document/14891#c-8-b"},{"clause":"8(a)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-two-wheeler-insurance-irdan144rp0006v02201112/document/14891#c-8-a-2"},{"clause":"8(b)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-two-wheeler-insurance-irdan144rp0006v02201112/document/14891#c-8-b-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 to named countries, but the base geographical area itself is not stated.","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: compulsory Third Party Liability together with loss or damage to the Vehicle itself"],"display":"Package policy covering third-party liability and own damage","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":"Two Wheeler Insurance Policy - Package","page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-two-wheeler-insurance-irdan144rp0006v02201112/document/14887#c-two-wheeler-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 insured vehicle for death or bodily injury to any person, including occupants not carried for hire or reward, and damage to third-party property.","display":"Legal liability for death or bodily injury to any person and third-party property damage, subject to limits in the Schedule","note":"The wording says limits are as laid down in the Schedule; it does not print an unlimited death or bodily injury limit in the extracted policy wording.","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 insured 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-two-wheeler-insurance-irdan144rp0006v02201112/document/14891#c-5-c-2"}],"law":[{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch V, I, Paras 1 to 4","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch V, I, Para 7","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 146","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 147","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 150","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 157","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 164","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 161","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 166(3)","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 162","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"idv","label":"Insured declared value (IDV)","section":"Cover","meaning":"The vehicle's insured value: maximum paid for theft or total loss.","status":"quote-verified","value":"The Insured's Declared Value (IDV) is deemed to be the sum insured and is fixed at the start of each policy period based on the manufacturer's listed selling price adjusted for depreciation. It is treated as market value throughout the policy period for total loss and constructive total loss claims, and for total loss/constructive total loss the liability is IDV less the value of the wreck.","display":"IDV is the sum insured, fixed at commencement and treated as Market Value for TL/CTL; total loss/CTL pays IDV less wreck value","note":"Vehicles beyond 5 years of age and obsolete models are valued by 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 fixed at the commencement of each Policy period for the insured vehicle. ... 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. ... For total loss / constructive total loss of the vehicle - the Insured's Declared Value (IDV) of the vehicle (including accessories thereon) as specified in the Schedule less the value of the wreck.","sources":[{"clause":null,"heading":"3. SUM INSURED – INSURED'S DECLARED VALUE (IDV)","page":2,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-two-wheeler-insurance-irdan144rp0006v02201112/document/14891#c-3-sum-insured-insured-s-declared-value-idv"},{"clause":null,"heading":"THE SCHEDULE OF DEPRECIATION FOR FIXING IDV OF THE VEHICLE","page":3,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-two-wheeler-insurance-irdan144rp0006v02201112/document/14891#c-the-schedule-of-depreciation-for-fixing-idv-of-t"},{"clause":"8(a)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-two-wheeler-insurance-irdan144rp0006v02201112/document/14891#c-8-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, depreciation is 50% for rubber/nylon/plastic parts, tyres, tubes and batteries; 30% for fibre glass components; Nil for glass; and for other parts it is age-based from NIL for vehicles not exceeding 6 months to 50% for vehicles exceeding 10 years.","display":"50% rubber/nylon/plastic, tyres, tubes and batteries; 30% fibre glass; Nil glass; other parts NIL to 50% by age","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, tubes, and batteries - 50% (2) For fibre, 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)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-two-wheeler-insurance-irdan144rp0006v02201112/document/14891#c-2-a"}],"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 period of insurance, 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":"NCB on renewals for claim-free period, up to 50%; renewal within 90 days required","note":null,"quote":"No Claim Bonus: If you do not make a claim during the period of insurance, 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-two-wheeler-insurance-irdan144rp0006v02201112/document/14887#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":"quote-verified","value":"Claims under the Own Damage section are subject to a compulsory deductible of Rs. 1,00/-.","display":"Rs. 1,00/- under Own Damage section","note":"The policy wording endorsement uses a placeholder for the amount to be inserted as per tariff.","quote":"Compulsory Deductible - Claims under Own Damage section of policies covering all classes of vehicles are subject to a compulsory deductible of Rs. 1,00/-","sources":[{"clause":null,"heading":"Information about our Claims Services","page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-two-wheeler-insurance-irdan144rp0006v02201112/document/14887#c-information-about-our-claims-services"}],"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":"The insured may opt for a voluntary deductible over and above the compulsory deductible. The prospectus lists options of Rs. 500, Rs. 750, Rs. 1000, Rs. 1500 and Rs. 2000, each with an own-damage premium discount.","display":"Optional: Rs. 500, Rs. 750, Rs. 1000, Rs. 1500 or Rs. 2000","note":"The endorsement wording uses placeholders for the selected deductible and aggregate deductible.","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 (5 Years)\nRs. 500 | 5% on the OD Premium, subject to maximum of Rs. 50\nRs. 750 | 10% on the OD Premium, subject to maximum of Rs. 75\nRs. 1000 | 15% on the OD Premium, subject to maximum of Rs.125\nRs. 1500 | 20% on the OD Premium, subject to maximum of Rs.200\nRs. 2000 | 25% on the OD Premium, subject to maximum of Rs.250","sources":[{"clause":null,"heading":"Information about our Claims Services","page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-two-wheeler-insurance-irdan144rp0006v02201112/document/14887#c-information-about-our-claims-services"}],"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 death, specified limb/eye loss or permanent total disablement from bodily injury in direct connection with the insured vehicle, with total liability not exceeding Rs. 15 lakh during any one period of insurance. The cover applies only if the owner-driver is the registered owner, is the insured named in the policy and holds an effective driving licence at the time of accident.","display":"Owner-driver PA up to Rs. 15 lakh; death/PTD 100%, one limb/one eye 50%; registered owner, named insured and effective driving licence required","note":"No compensation is payable for intentional self injury, suicide/attempted suicide, physical defect or infirmity, or accident under influence of intoxicating liquor or drugs.","quote":"Subject otherwise to the terms exceptions conditions and limitations of this Policy, 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 ... Death | 100% ... Loss of one limb or sight of one eye | 50% ... Permanent total disablement from injuries other than named above | 100% ... the total liability of the Company shall not in the aggregate exceed the sum of Rs. 15 lakh 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 effective 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":null,"heading":"DRIVER","page":2,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-two-wheeler-insurance-irdan144rp0006v02201112/document/14891#c-driver"},{"clause":"5(b)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-two-wheeler-insurance-irdan144rp0006v02201112/document/14891#c-5-b-2"},{"clause":"5(c)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-two-wheeler-insurance-irdan144rp0006v02201112/document/14891#c-5-c-2"},{"clause":"5(a)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-two-wheeler-insurance-irdan144rp0006v02201112/document/14891#c-5-a-3"},{"clause":"5(b)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-two-wheeler-insurance-irdan144rp0006v02201112/document/14891#c-5-b-3"},{"clause":"5(c)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-two-wheeler-insurance-irdan144rp0006v02201112/document/14891#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","Inconvenience Allowance","Basic Road Side Assistance","Engine Guard","Tyre and Rim Guard","Emergency Medical Expenses","Helmet Protection","Battery Guard"],"display":"Depreciation Reimbursement, Return to Invoice, Protection of NCB, Inconvenience Allowance, Basic Road Side Assistance, Engine Guard, Tyre and Rim Guard, Emergency Medical Expenses, Helmet Protection and Battery Guard","note":"Add-ons are available for additional premium and apply only if opted or shown in the policy schedule.","quote":"Add on Name | Cover Description\nDepreciation 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. ... Inconvenience Allowance | Company will pay the Insured – daily cash beneĤt as speciĤed in the Schedule following an identiĤable and admissible own damage claim under the Policy\nBasic Road Side Assistance | The Company will provide the following services within the area of 50 Kms. ... Engine Guard | Policy extends to cover the damage to the internal child parts of the engine and/or gear box of the insured vehicle ... Tyre and Rim Guard | Policy covers expenses for repair and/ or replacement, as may be necessitated arising out of accidental loss or damage to Tyre and tubes\nEmergency Medical Expenses | This add on pays for the medical expenses incurred for treatment of bodily injury/ies sustained by insured or any occupant of the vehicle caused by accident of Insured Vehicle. ... Helmet Protection | In consideration of payment of an additional premium, it is hereby understood and agreed that the Company will make an allowance of (Maximum of Rs. 2,00,000/) towards cost of replacing damaged or destroyed Helmet ... Battery Guard | It extends to cover the consequential damage to internal child parts of Traction Battery, Battery Management System (BMS) and Electric Vehicle Drive System of the Insured Vehicle.","sources":[{"clause":null,"heading":"Add On Covers","page":2,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-two-wheeler-insurance-irdan144rp0006v02201112/document/14887#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 available for accidental damage through the stated procedure. The insurer gives a delivery order on receipt of the pre-invoice and processes payment in favour of the repairer after final documents as per survey report and policy terms.","display":"Yes, cashless service for accidental damage 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 ... 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":"TWO WHEELER INSURANCE POLICY - PACKAGE CUSTOMER INFORMATION SHEET / KNOW YOUR POLICY","page":2,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-two-wheeler-insurance-irdan144rp0006v02201112/document/14886#c-two-wheeler-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":"quote-verified","value":["Normal wear, tear and general ageing of the vehicle","Depreciation or any consequential loss","Mechanical/ electrical breakdown, failure and breakage","Vehicle being used otherwise than in accordance with limitations as to use","Damage to / by a person driving the vehicle without a valid license","Damage to / by a person driving the vehicle under the inĥuence of drugs or liquor","Loss / damage due to war, mutiny or nuclear risk","Damage to tyre and tube unless the vehicle is damaged at the same time"],"display":"Wear and tear, depreciation/consequential loss, mechanical/electrical breakdown, use outside limitations, no valid licence, drugs/liquor, war/mutiny/nuclear risk and tyre/tube damage unless the vehicle is also damaged","note":"The policy wording contains corresponding exclusions for wear and tear, breakdown, use outside limitations, intoxication and tyre/tube damage; the prospectus is quoted because it states the valid licence exclusion clearly.","quote":"Any loss/damage to the vehicle and/or its accessories will be not be covered if caused by the following-\n• Normal wear, tear and general ageing of the vehicle\n• Depreciation or any consequential loss\n• Mechanical/ electrical breakdown, failure and breakage\n• Vehicle being used otherwise than in accordance with limitations as to use\n• Damage to / by a person driving the vehicle without a valid license\n• Damage to / by a person driving the vehicle under the inĥuence of drugs or liquor\n• Loss / damage due to war, mutiny or nuclear risk\n• Damage to tyre and tube unless the vehicle is damaged at the same time.","sources":[{"clause":null,"heading":"Exclusions","page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-two-wheeler-insurance-irdan144rp0006v02201112/document/14887#c-exclusions"}],"law":[]},{"key":"sum_insured_basis","label":"Sum insured basis","section":"Cover","meaning":"How the cover amount is set: market value, reinstatement value, agreed value, IDV.","status":"quote-verified","value":"The sum insured basis is the Insured's Declared Value (IDV), fixed at the commencement of each policy period from the manufacturer's listed selling price adjusted for depreciation. IDV is treated as the market value throughout the policy period for total loss and constructive total loss claims.","display":"IDV based on manufacturer's listed selling price adjusted for depreciation; 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 fixed at the commencement of each Policy period for the insured vehicle. The IDV of the vehicle (and side car/accessories if any fitted to the vehicle) is to be fixed on the basis of the manufacturer's listed selling price of the brand and model as the insured vehicle at the commencement of insurance/renewal and adjusted for depreciation (as per schedule below). ... IDV shall be treated as the 'Market Value' throughout the policy period without any further depreciation for the purpose of Total Loss (TL) / Constructive Total Loss (CTL) claims.","sources":[{"clause":null,"heading":"3. SUM INSURED – INSURED'S DECLARED VALUE (IDV)","page":2,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-two-wheeler-insurance-irdan144rp0006v02201112/document/14891#c-3-sum-insured-insured-s-declared-value-idv"},{"clause":null,"heading":"THE SCHEDULE OF DEPRECIATION FOR FIXING IDV OF THE VEHICLE","page":3,"url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-two-wheeler-insurance-irdan144rp0006v02201112/document/14891#c-the-schedule-of-depreciation-for-fixing-idv-of-t"}],"law":[]}],"documents":[{"kind":"wording","label":"Motor Two Wheeler Insurance Policy Wordings","pages":21,"fetched_at":"2026-10-17 19:56:32+00","source_url":"https://content.sbigeneral.in/uploads/SBIG_TWO_WHEELER_INSURANCE_POLICY_PACKAGE_Policy_Wording_26092901_aad6d69492.pdf","url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-two-wheeler-insurance-irdan144rp0006v02201112/document/14891"},{"kind":"wording","label":"Depreciation Reimbursement-Two Wheeler Insurance 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01:40:21+00","source_url":"https://irdai.gov.in/documents/37343/993134/IRDAN144RP0006V02201112A0025V01202021_GEN4238.pdf/d3e87557-d394-36ef-f3ae-63adc9d37f87?version=1.1&t=1668755137588&download=true","url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-two-wheeler-insurance-irdan144rp0006v02201112/document/26983"},{"kind":"wording","label":"Inconvenience Allowance- Two Wheeler Insurance Policy-Package (IRDAI copy)","pages":1,"fetched_at":"2026-10-20 01:40:22+00","source_url":"https://irdai.gov.in/documents/37343/993134/IRDAN144RP0006V02201112A0026V01202021_GEN4239.pdf/cd964a93-ec0b-1046-51a8-b73849f54d55?version=1.1&t=1668755209002&download=true","url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-two-wheeler-insurance-irdan144rp0006v02201112/document/26984"},{"kind":"wording","label":"Helmet Protection- Two Wheeler Insurance Policy-Package (IRDAI copy)","pages":1,"fetched_at":"2026-10-20 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01:40:24+00","source_url":"https://irdai.gov.in/documents/37343/993134/IRDAN144RP0006V02201112A0027V01202021_GEN4240.pdf/334ac267-f823-79be-98b8-5cbadafad0fd?version=1.1&t=1668755281653&download=true","url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-two-wheeler-insurance-irdan144rp0006v02201112/document/26991"},{"kind":"prospectus","label":"Motor Two Wheeler Insurance Prospectus","pages":4,"fetched_at":"2026-10-17 19:56:30+00","source_url":"https://content.sbigeneral.in/uploads/SBIG_Two_Wheeler_Insurance_Policy_Package_Propsectus_26092901_7f0bd30a2d.pdf","url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-two-wheeler-insurance-irdan144rp0006v02201112/document/14887"},{"kind":"cis","label":"Motor Two Wheeler Insurance CIS","pages":5,"fetched_at":"2026-10-17 19:56:29+00","source_url":"https://content.sbigeneral.in/uploads/SBIG_Two_Wheeler_Insurance_Policy_Package_CIS_26092901_f6bb91af40.pdf","url":"https://indiainsurances.com/policy/sbi-general-insurance/motor-two-wheeler-insurance-irdan144rp0006v02201112/document/14886"}],"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 Two Wheeler Insurance (UIN IRDAN144RP0006V02201112), IndiaInsurances, https://indiainsurances.com/policy/sbi-general-insurance/motor-two-wheeler-insurance-irdan144rp0006v02201112"}