{"uin":"IRDAN144RPMT0001V01202627","name":"Stand Alone Motor Own Damage Cover for Private Car (Short Period)","url":"https://indiainsurances.com/policy/sbi-general-insurance/stand-alone-motor-own-damage-cover-for-private-car-short-period-irdan144rpmt0001v01202627","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 standalone own damage private car policy for a period of less than one year. It covers loss or damage to the vehicle for listed perils, excludes third-party losses, and offers add-on covers for additional premium.","analysis":{"state":"machine","analysed_at":"2026-10-20 05:41:49.147911+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":"The policy is for a period of less than one year.","display":"Less than one year","note":null,"quote":"This Policy is designed to cover only the loss or damage to the Vehicle itself for a period of less than one year.","sources":[{"clause":null,"heading":"STAND ALONE MOTOR OWN DAMAGE COVER FOR PRIVATE CAR","page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/stand-alone-motor-own-damage-cover-for-private-car-short-period-irdan144rpmt0001v01202627/document/14843#c-stand-alone-motor-own-damage-cover-for-private-c"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"Notice of accidental loss or damage must be given in writing to the Company immediately. In case of theft or criminal act, immediate notice must also be given to the police.","display":"Immediately in writing; 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 ... 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":null,"heading":"CONDITIONS","page":3,"url":"https://indiainsurances.com/policy/sbi-general-insurance/stand-alone-motor-own-damage-cover-for-private-car-short-period-irdan144rpmt0001v01202627/document/14848#c-conditions"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["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 claim assessment documents","note":null,"quote":"Also, at the time of claim required documents like necessary documents ie. Driving license, FIR, fitness certificate, permit, claim form and any other related documents required for assessing the claim needs to be submitted. (if required)","sources":[{"clause":null,"heading":"CLAIM SETTLEMENT","page":9,"url":"https://indiainsurances.com/policy/sbi-general-insurance/stand-alone-motor-own-damage-cover-for-private-car-short-period-irdan144rpmt0001v01202627/document/14848#c-claim-settlement"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"quote-verified","value":"Claims are to be settled within 7 days from claim intimation or receipt of the final survey report, as the case may be. If the surveyor report is not received within 15 days, settlement is within 22 days from claim intimation.","display":"7 days from claim intimation or final survey report; 22 days from intimation if survey report is not received within 15 days","note":null,"quote":"Within a period of 7 days from the intimation of claim or receipt of the final survey report, as the case may be. Where the Company has failed to receive the report of surveyor within the stipulated time of 15 days, in such case, the claim shall be settled within 22 days from the date of intimation of claim.","sources":[{"clause":null,"heading":"CLAIM SETTLEMENT","page":9,"url":"https://indiainsurances.com/policy/sbi-general-insurance/stand-alone-motor-own-damage-cover-for-private-car-short-period-irdan144rpmt0001v01202627/document/14848#c-claim-settlement"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["consequential loss, depreciation, wear and tear, mechanical or electrical breakdown, failures or breakages","damage to tyres and tubes unless the vehicle is damaged at the same time","loss or damage whilst the driver is under the influence of intoxicating liquor or drugs","accidental loss or damage caused sustained or incurred outside the geographical area as defined under IMT","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","loss or damage or liability arising from nuclear weapons material","war, invasion, the act of foreign enemies, hostilities or warlike operations","Any Third Party Losses"],"display":"Wear and tear, mechanical/electrical breakdown, tyres/tubes unless vehicle is also damaged, intoxicated driving, outside geographical area, contractual liability, use/driver breaches, nuclear, war and third-party losses","note":null,"quote":"a) consequential loss, depreciation, wear and tear, mechanical or electrical breakdown, failures or breakages; ... b) 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. and ... c) 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 or damage caused sustained or incurred outside the geographical area as defined under IMT. ... any claim arising out of any contractual liability; ... a) being used otherwise than in accordance with the ... ‘Limitations as to Use’ ... b) being driven by or is for the purpose of being driven ... by him/her in the charge of any person other than a Driver as stated in the Driver’s Clause. ... Any accidental loss or damage or liability directly or indirectly caused by or contributed to by or arising from nuclear weapons material. ... war, invasion, the act of foreign enemies, hostilities or warlike operations ... Any Third Party Losses shall be excluded under this Policy.","sources":[{"clause":"5(a)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/stand-alone-motor-own-damage-cover-for-private-car-short-period-irdan144rpmt0001v01202627/document/14848#c-5-a"},{"clause":"5(b)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/stand-alone-motor-own-damage-cover-for-private-car-short-period-irdan144rpmt0001v01202627/document/14848#c-5-b"},{"clause":"5(c)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/stand-alone-motor-own-damage-cover-for-private-car-short-period-irdan144rpmt0001v01202627/document/14848#c-5-c"},{"clause":null,"heading":"GENERAL EXCEPTIONS","page":2,"url":"https://indiainsurances.com/policy/sbi-general-insurance/stand-alone-motor-own-damage-cover-for-private-car-short-period-irdan144rpmt0001v01202627/document/14848#c-general-exceptions"},{"clause":"5(a)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/sbi-general-insurance/stand-alone-motor-own-damage-cover-for-private-car-short-period-irdan144rpmt0001v01202627/document/14848#c-5-a-3"},{"clause":"5(b)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/sbi-general-insurance/stand-alone-motor-own-damage-cover-for-private-car-short-period-irdan144rpmt0001v01202627/document/14848#c-5-b-3"},{"clause":null,"heading":"AVOIDANCE OF CERTAIN TERMS AND RIGHT OF","page":2,"url":"https://indiainsurances.com/policy/sbi-general-insurance/stand-alone-motor-own-damage-cover-for-private-car-short-period-irdan144rpmt0001v01202627/document/14848#c-avoidance-of-certain-terms-and-right-of"},{"clause":"6","heading":"Any accidental loss damage and/or liability directly","page":2,"url":"https://indiainsurances.com/policy/sbi-general-insurance/stand-alone-motor-own-damage-cover-for-private-car-short-period-irdan144rpmt0001v01202627/document/14848#c-6"},{"clause":"7","heading":"Any Third Party Losses shall be excluded under this","page":3,"url":"https://indiainsurances.com/policy/sbi-general-insurance/stand-alone-motor-own-damage-cover-for-private-car-short-period-irdan144rpmt0001v01202627/document/14848#c-7"}],"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 complain directly to SBI General by writing to head.customercare@sbigeneral.in or gro@sbigeneral.in, or by calling 1800 102 1111. If the response is unsatisfactory or concerns are not addressed, the matter may be escalated to the Insurance Ombudsman.","display":"Write to head.customercare@sbigeneral.in or gro@sbigeneral.in, or call 1800 102 1111; then Insurance Ombudsman","note":null,"quote":"Stage 1 If you wish to register your grievances directly with us, you may write to us at head.customercare@sbigeneral.in or gro@sbigeneral.in or call our toll free number- 1800 102 1111. ... Stage 2 Escalation to Insurance Ombudsman 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":null,"heading":"GRIEVANCE REDRESSAL PROCEDURE","page":9,"url":"https://indiainsurances.com/policy/sbi-general-insurance/stand-alone-motor-own-damage-cover-for-private-car-short-period-irdan144rpmt0001v01202627/document/14848#c-grievance-redressal-procedure"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"perils","label":"What is covered","section":"Cover","meaning":"The events or risks covered.","status":"quote-verified","value":["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 frost","accidental external means","malicious act","terrorist activity","whilst in transit by road rail inland-waterway lift elevator or air","landslide rockslide"],"display":"Fire, theft, riot/strike, earthquake, flood/storm perils, accidental external means, malicious act, terrorist activity, transit, landslide/rockslide","note":null,"quote":"The Company will indemnify the insured against loss or damage to the vehicle insured hereunder and / or its accessories whilst thereon i. by fire explosion self-ignition or lightning; ii. by burglary housebreaking or theft; iii. by riot and strike; iv. by earthquake (fire and shock damage); v. by flood 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; x. by landslide rockslide.","sources":[{"clause":null,"heading":"LOSS OF OR DAMAGE TO THE VEHICLE INSURED","page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/stand-alone-motor-own-damage-cover-for-private-car-short-period-irdan144rpmt0001v01202627/document/14848#c-loss-of-or-damage-to-the-vehicle-insured"}],"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. For a policy term up to one year, the company refunds proportionate premium for the unexpired policy period if no claim has been made.","display":"Proportionate refund for unexpired period if no claim, for policy term up to one year","note":null,"quote":"Cancellation: 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":"7(b)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/sbi-general-insurance/stand-alone-motor-own-damage-cover-for-private-car-short-period-irdan144rpmt0001v01202627/document/14848#c-7-b"},{"clause":"7(a)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/sbi-general-insurance/stand-alone-motor-own-damage-cover-for-private-car-short-period-irdan144rpmt0001v01202627/document/14848#c-7-a-2"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"not-stated","value":null,"display":null,"note":"The wording excludes losses outside the geographical area as defined under IMT and prints an IMT endorsement for extensions, but it does not print the base geographical area of cover.","quote":null,"sources":[],"law":[]},{"key":"cover_types","label":"Cover types","section":"Cover","meaning":"Comprehensive, standalone own damage, third-party only.","status":"quote-verified","value":["standalone own damage"],"display":"Standalone own damage","note":null,"quote":"STAND ALONE MOTOR OWN DAMAGE COVER FOR PRIVATE CAR (SHORT PERIOD) PROSPECTUS This Policy is designed to cover only the loss or damage to the Vehicle itself for a period of less than one year.","sources":[{"clause":null,"heading":"STAND ALONE MOTOR OWN DAMAGE COVER FOR PRIVATE CAR","page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/stand-alone-motor-own-damage-cover-for-private-car-short-period-irdan144rpmt0001v01202627/document/14843#c-stand-alone-motor-own-damage-cover-for-private-c"}],"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":"Third-party losses are excluded under this standalone own damage policy.","display":"Excluded: any third-party losses","note":null,"quote":"Any Third Party Losses shall be excluded under this Policy.","sources":[{"clause":"7","heading":"Any Third Party Losses shall be excluded under this","page":3,"url":"https://indiainsurances.com/policy/sbi-general-insurance/stand-alone-motor-own-damage-cover-for-private-car-short-period-irdan144rpmt0001v01202627/document/14848#c-7"}],"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 is the sum insured, fixed at the commencement of each policy period on the basis of the manufacturer’s listed selling price of the brand and model, adjusted for depreciation. For vehicles beyond 5 years and obsolete models, IDV is determined by understanding between insurer and insured and is treated as market value for TL/CTL claims.","display":"IDV is the sum insured, based on manufacturer’s listed selling price adjusted for depreciation; beyond 5 years/obsolete models by understanding, treated as market value","note":null,"quote":"The Insured’s Declared Value (IDV) of the vehicle will be deemed to be the ‘SUM INSURED’ for the purpose of this policy which is fixed at the commencement of each policy period for the insured vehicle. The IDV of the vehicle (and 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 vehicle insured at the commencement of insurance/renewal and adjusted for depreciation (as per schedule below). ... IDV of vehicles beyond 5 years of age and of obsolete models of the vehicles (i.e. models which the manufacturers have discontinued to manufacture) is to be determined on the basis of an understanding between the insurer and the insured. IDV shall be treated as the ‘Market Value’ throughout the policy period without any further depreciation for the purpose of Total Loss (TL) / Constructive Total Loss (CTL) claims.","sources":[{"clause":null,"heading":"SUM INSURED – INSURED’S DECLARED VALUE (IDV)","page":2,"url":"https://indiainsurances.com/policy/sbi-general-insurance/stand-alone-motor-own-damage-cover-for-private-car-short-period-irdan144rpmt0001v01202627/document/14848#c-sum-insured-insureds-declared-value-idv"},{"clause":"5(b)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/sbi-general-insurance/stand-alone-motor-own-damage-cover-for-private-car-short-period-irdan144rpmt0001v01202627/document/14848#c-5-b-3"}],"law":[]},{"key":"depreciation","label":"Depreciation on parts","section":"Limits and co-pay","meaning":"How much of the cost of replaced parts you bear because of age (unless you have zero depreciation).","status":"quote-verified","value":"For partial loss claims, depreciation is 50% for rubber/nylon/plastic parts, tyres and tubes, batteries and airbags; 30% for fibre glass components; nil for glass; all other parts vary by age from nil up to 50%; painting depreciation is 50% on the material cost only, with material treated as 25% of a consolidated painting bill.","display":"Parts depreciation: 50% rubber/nylon/plastic, tyres/tubes, batteries and airbags; 30% fibre glass; nil glass; other parts nil to 50% by age; painting 50% on material cost","note":null,"quote":"For all rubber/ nylon / plastic parts, tyres and tubes, batteries and air bags - 50% ... For fibre glass components - 30% ... For all parts made of glass - Nil ... All other parts including Wooden Parts shall be as per schedule below: Age of the vehicle | % of Depreciation Not exceeding 6 months | Nil Exceeding 6 months but not exceeding 1 year | 5% Exceeding 1 year but not exceeding 2 years | 10% Exceeding 2 years but not exceeding 3 years | 15% Exceeding 3 years but not exceeding 4 years | 25% Exceeding 4 years but not exceeding 5 years | 35% Exceeding 5 years but not exceeding 10 years | 40% Exceeding 10 years | 50% ... Rate of Depreciation for Painting: In the case of painting, the depreciation rate of 50% shall be applied only on the material cost of total painting charges. In case of a consolidated bill for painting charges, the material component shall be considered as 25% of total painting charges for the purpose of applying the depreciation.","sources":[{"clause":"1","heading":null,"page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/stand-alone-motor-own-damage-cover-for-private-car-short-period-irdan144rpmt0001v01202627/document/14848#c-1"},{"clause":"2","heading":"For fibre glass components - 30%","page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/stand-alone-motor-own-damage-cover-for-private-car-short-period-irdan144rpmt0001v01202627/document/14848#c-2"},{"clause":"3","heading":"For all parts made of glass - Nil","page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/stand-alone-motor-own-damage-cover-for-private-car-short-period-irdan144rpmt0001v01202627/document/14848#c-3"},{"clause":null,"heading":"Information about our Claims Services","page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/stand-alone-motor-own-damage-cover-for-private-car-short-period-irdan144rpmt0001v01202627/document/14843#c-information-about-our-claims-services"}],"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":"No Claim Bonus applies on renewal if there is nil claim, renewal is within 90 days of previous policy expiry, and the expiring policy completed full 12 months without break. The table gives 20%, 25%, 35%, 45% and 50% discounts for one through five preceding claim-free years.","display":"20% after 1 year; 25% after 2; 35% after 3; 45% after 4; 50% after 5, if renewed within 90 days and conditions met","note":null,"quote":"Incremental No claim bonus will be allowed subject to nil claim, policy to be renewed within 90 days of previous policy expiry, expiring policy completing full 12 months without any break and all other terms as per Indian Motor tariff. ... No claim made or pending during the full 1 year of insurance | 20% ... No claim made or pending during the 2 consecutive years of insurance | 25% ... No claim made or pending during the preceding 3 consecutive years of insurance | 35% ... No claim made or pending during the preceding 4 consecutive years of insurance | 45% ... No claim made or pending during the preceding 5 consecutive years of insurance | 50%","sources":[{"clause":"7(c)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/sbi-general-insurance/stand-alone-motor-own-damage-cover-for-private-car-short-period-irdan144rpmt0001v01202627/document/14848#c-7-c"}],"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 use placeholders such as Rs xxxx or Rs * and point to the schedule or tariff, so the product wording does not print a fixed compulsory deductible amount.","quote":null,"sources":[],"law":[]},{"key":"deductible","label":"Voluntary deductible","section":"Limits and co-pay","meaning":"An extra amount per claim you choose to bear for a lower premium.","status":"quote-verified","value":"A voluntary deductible may be opted over and above the compulsory deductible, with a discount on own damage premium. The printed options are Rs. 2500, Rs. 5000, Rs. 7500 and Rs. 15000.","display":"Optional voluntary deductible: Rs. 2500, Rs. 5000, Rs. 7500 or Rs. 15000","note":"The policy wording also states the insured bears the voluntary deductible for each event when opted.","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: Voluntary Deductible | Discount Rs. 2500 | 20% on the OD premium of the vehicle, subject to a maximum of Rs. 2250/- Rs. 5000 | 25% on the OD premium of the vehicle, subject to a maximum of Rs. 4500/- Rs. 7500 | 30% on the OD premium of the vehicle, subject to a maximum of Rs. 6000/- Rs. 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/stand-alone-motor-own-damage-cover-for-private-car-short-period-irdan144rpmt0001v01202627/document/14843#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":"not-stated","value":null,"display":null,"note":"The documents list Enhanced PA cover for Insured (Owner driver) as an add-on, but do not state a compulsory owner-driver PA cover or sum insured for the base policy.","quote":null,"sources":[],"law":[{"title":"Enhancement of Capital Sum Insured in Compulsory Personal Accident Cover for Owner-Driver under Motor Insurance Policies","section":"Para 4(i) to (iii)","url":"https://indiainsurances.com/law/irdai-motor-cpa-2018"},{"title":"Compulsory Personal Accident Insurance for Owner-Driver under Motor Insurance","section":"Paras 1 and 2","url":"https://indiainsurances.com/law/irdai-motor-cpa-choice-2018"},{"title":"Cover for Compulsory Personal Accident (CPA) for Owner-Driver under Motor Insurance Policies","section":"Para 3","url":"https://indiainsurances.com/law/irdai-motor-cpa-standalone-2018"},{"title":"Cover for Compulsory Personal Accident (CPA) for Owner-Driver under Motor Insurance Policies","section":"Para 4(iv) to (viii)","url":"https://indiainsurances.com/law/irdai-motor-cpa-standalone-2018"}]},{"key":"addons","label":"Add-ons offered","section":"Cover","meaning":"Zero depreciation, engine protect, return to invoice, roadside assistance, consumables...","status":"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 Assistance","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"],"display":"Depreciation reimbursement, return to invoice, NCB protection, key replacement, inconvenience allowance, personal belongings, enhanced PA, roadside assistance, engine guard, consumables, tyre and rim, emergency medical expenses, EV/battery/charger covers, Go Smart, vehicle replacement edge and app restoration","note":"The policy wording states these add-ons are available on payment of additional premium.","quote":"Add on Name | Cover Description Depreciation Reimbursement | The Company will re-imburse the Insured, the amount of depreciation deducted on the value of parts which were allowed to be replaced for own damage claim lodged Return to Invoice | In case of TOTAL LOSS, CONSTRUCTIVE TOTAL LOSS or THEFT OF THE INSURED VEHICLE the Company will pay IDV or replace with, a NEW vehicle of same make and model ... Protection of NCB | This add-on cover provides insured with coverage for his NCB even if insured makes an insurance claim during his policy period. ... Cover for Key replacement | The Company will re-imburse the Insured, the cost of replacing the vehicle keys which are lost, stolen or the vehicle lock is broken at the time of burglary or attempted burglary. Inconvenience Allowance | Company will pay the Insured – daily cash benefit as specified in the Schedule ... 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 within the area of 50 Kms. ... Additional Road Side Assistance | The Company will provide in addition to the basic road side assistance benefits ... 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 incurred ... Wall charger and associated components / accessories- Battery Guard | Company will indemnify the Insured for expenses incurred in repair or replacement ... 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 for any reasonable and necessary costs incurred","sources":[{"clause":null,"heading":"Add On Covers","page":2,"url":"https://indiainsurances.com/policy/sbi-general-insurance/stand-alone-motor-own-damage-cover-for-private-car-short-period-irdan144rpmt0001v01202627/document/14843#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: contact the insurer, a surveyor is appointed, documents are collected or submitted digitally, and a delivery order is provided after the pre-invoice of the repaired vehicle. The CIS does not use the phrase network garages.","display":"Cashless service procedure available for accidental damage","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.","sources":[{"clause":null,"heading":"STAND ALONE MOTOR OWN DAMAGE COVER FOR PRIVATE CAR (SHORT PERIOD) CUSTOMER INFORMATION SHEET / KNOW YOUR POLICY","page":2,"url":"https://indiainsurances.com/policy/sbi-general-insurance/stand-alone-motor-own-damage-cover-for-private-car-short-period-irdan144rpmt0001v01202627/document/14842#c-stand-alone-motor-own-damage-cover-for-private-c-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","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 influence of drugs or liquor","Loss / damage due to war, mutiny or nuclear risk","Damage to the tyres and tubes unless the vehicle is damaged at the same time","Any Third Party Losses"],"display":"Wear and tear, depreciation/consequential loss, mechanical/electrical breakdown, use outside limitations, invalid licence, drunk/drug driving, war/mutiny/nuclear risks, tyres/tubes unless vehicle also damaged, and third-party losses","note":null,"quote":"Any accidental loss/damage to the insured vehicle and/or its accessories will not be covered if caused by the following- • Normal wear, tear and general ageing of the vehicle • Depreciation or any consequential loss • Mechanical/ electrical breakdown • 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 influence of drugs or liquor • Loss / damage due to war, mutiny or nuclear risk • Damage to the 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. ... Any Third Party Losses shall be excluded under this Policy.","sources":[{"clause":null,"heading":"Exclusions","page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/stand-alone-motor-own-damage-cover-for-private-car-short-period-irdan144rpmt0001v01202627/document/14843#c-exclusions"},{"clause":"7","heading":"Any Third Party Losses shall be excluded under this","page":3,"url":"https://indiainsurances.com/policy/sbi-general-insurance/stand-alone-motor-own-damage-cover-for-private-car-short-period-irdan144rpmt0001v01202627/document/14848#c-7"}],"law":[]},{"key":"sum_insured_basis","label":"Sum insured basis","section":"Cover","meaning":"How the cover amount is set: market value, reinstatement value, agreed value, IDV.","status":"quote-verified","value":"The cover amount is the Insured’s Declared Value, deemed to be the sum insured. IDV is 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, 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 ... fixed 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":"SUM INSURED – INSURED’S DECLARED VALUE (IDV)","page":2,"url":"https://indiainsurances.com/policy/sbi-general-insurance/stand-alone-motor-own-damage-cover-for-private-car-short-period-irdan144rpmt0001v01202627/document/14848#c-sum-insured-insureds-declared-value-idv"},{"clause":"5(b)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/sbi-general-insurance/stand-alone-motor-own-damage-cover-for-private-car-short-period-irdan144rpmt0001v01202627/document/14848#c-5-b-3"}],"law":[]}],"documents":[{"kind":"wording","label":"Stand Alone Motor Own Damage Cover for Private Car (Short Period) Policy Wordings","pages":32,"fetched_at":"2026-10-17 19:54:49+00","source_url":"https://content.sbigeneral.in/uploads/SBA_150_1_e3d20c3e2b.PDF","url":"https://indiainsurances.com/policy/sbi-general-insurance/stand-alone-motor-own-damage-cover-for-private-car-short-period-irdan144rpmt0001v01202627/document/14848"},{"kind":"prospectus","label":"Stand Alone Motor Own Damage Cover for Private Car (Short Period) Prospectus","pages":4,"fetched_at":"2026-10-17 19:54:47+00","source_url":"https://content.sbigeneral.in/uploads/SBIGI_Stand_Alone_Motor_Own_Damage_Cover_For_Private_Car_Propsectus_Short_Period_26070301_e1c1f0b8a4.pdf","url":"https://indiainsurances.com/policy/sbi-general-insurance/stand-alone-motor-own-damage-cover-for-private-car-short-period-irdan144rpmt0001v01202627/document/14843"},{"kind":"cis","label":"Stand Alone Motor Own Damage Cover for Private Car (Short Period) CIS","pages":6,"fetched_at":"2026-10-17 19:54:46+00","source_url":"https://content.sbigeneral.in/uploads/SBIGI_Stand_Alone_Motor_Damage_Cover_for_Private_Car_CIS_Short_Period_26070301_a21b45601f.pdf","url":"https://indiainsurances.com/policy/sbi-general-insurance/stand-alone-motor-own-damage-cover-for-private-car-short-period-irdan144rpmt0001v01202627/document/14842"}],"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":"Stand Alone Motor Own Damage Cover for Private Car (Short Period) (UIN IRDAN144RPMT0001V01202627), IndiaInsurances, https://indiainsurances.com/policy/sbi-general-insurance/stand-alone-motor-own-damage-cover-for-private-car-short-period-irdan144rpmt0001v01202627"}