{"uin":"IRDAN144RPMT0021V01202627","name":"Residual Value Insurance","url":"https://indiainsurances.com/policy/sbi-general-insurance/residual-value-insurance-irdan144rpmt0021v01202627","insurer":{"slug":"sbi-general-insurance","name":"SBI General Insurance Company Limited","url":"https://indiainsurances.com/insurer/sbi-general-insurance"},"line":"general","category":"other-general","category_name":"Other general insurance","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Residual Value Insurance covers the insured vehicle's residual value at resale by paying the difference between the guaranteed value and the actual market value at the time of sale. Claims must be intimated before 30 days from the Policy/Certificate end date and cover is within India.","analysis":{"state":"machine","analysed_at":"2026-10-20 05:41:45.450721+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":"not-stated","value":null,"display":null,"note":"The wording defines the Policy Period as the duration between the commencement date and expiry date specified in the Policy Schedule/Certificate of Insurance; no fixed term is stated.","quote":null,"sources":[],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"Claim intimation should be given before 30 days from the Policy/CertiĤcate End date.","display":"Before 30 days from Policy/CertiĤcate End date","note":null,"quote":"The Cover is applicable only when there is sale of Insured Vehicle at the end of xx months speciĤed in the Policy Schedule/CertiĤcate of Insurance and intimation of claim under the Policy should be given to Us before 30 days from Policy/CertiĤcate End date.","sources":[{"clause":null,"heading":"II. SpeciĤc Conditions","page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/residual-value-insurance-irdan144rpmt0021v01202627/document/14847#c-ii-specihc-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":["Registration CertiĤcation","Service maintenance records","Residual Value Insurance policy copy","Comprehensive Motor Policy","Claim form","any other supporting document, if required","NOC certiĤcate from Ĥnancier"],"display":"Registration CertiĤcation; Service maintenance records; Residual Value Insurance policy copy; Comprehensive Motor Policy; Claim form; any other supporting document, if required; NOC certiĤcate from Ĥnancier if financed","note":"NOC certificate from financier is required if the covered vehicle is financed.","quote":"Registration CertiĤcation, Service maintenance records, Residual Value Insurance policy copy, Comprehensive Motor Policy, Claim form and any other supporting document, if required. ... If the covered vehicle is Ĥnanced, the Policy Period must not extend beyond the term of the Ĥnance contract and entire loan should be closed before raising claim in this policy (NOC certiĤcate from Ĥnancier is prerequisite document).","sources":[{"clause":null,"heading":"V. General Terms and Conditions 1. Claim Settlement","page":3,"url":"https://indiainsurances.com/policy/sbi-general-insurance/residual-value-insurance-irdan144rpmt0021v01202627/document/14847#c-v-general-terms-and-conditions-1-claim-settlemen"},{"clause":null,"heading":"II. SpeciĤc Conditions","page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/residual-value-insurance-irdan144rpmt0021v01202627/document/14847#c-ii-specihc-conditions"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"quote-verified","value":"The Company will settle the claim within 7 days from the intimation of claim or receipt of the Surveyor/Valuation report and necessary documents. If the surveyor report is not received within the stipulated time of 15 days, the claim shall be settled within 22 days from the date of intimation of claim.","display":"Within 7 days from intimation or receipt of Surveyor/Valuation report and necessary documents; within 22 days from intimation if surveyor report is not received within 15 days","note":null,"quote":"The Company will settle the claim under this Policy within 7 days from the intimation of claim or receipt of the Surveyor/Valuation report and necessary documents ie. Registration CertiĤcation, Service maintenance records, Residual Value Insurance policy copy, Comprehensive Motor Policy, Claim form and any other supporting document, if required. As the case may be In the event that, where 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":"V. General Terms and Conditions 1. Claim Settlement","page":3,"url":"https://indiainsurances.com/policy/sbi-general-insurance/residual-value-insurance-irdan144rpmt0021v01202627/document/14847#c-v-general-terms-and-conditions-1-claim-settlemen"}],"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":["If the Insured Vehicle has run more than xx KMs in xx months as speciĤed in the Policy Schedule/CertiĤcate of Insurance.","Failure or inability to obtain unencumbered actual or constructive possession of the Insured Vehicle for any reason.","Sale of Insured Vehicle or use of any purpose other than originally intended and agreed.","Any claim if the Insured Vehicle is used for any other purpose except for that speciĤed on the Registration CertiĤcate.","Any modiĤcation to the Insured Vehicle which is not in accordance with the manufacturer’s instructions or use of any accessory which has not been approved by the manufacturer.","Any expenses incurred on routine maintenance or service or inspection of the Insured Vehicle.","Any consequential loss of any kind and/or legal or contractual liability of any kind by or on behalf of Insured","Any loss or reduction in the actual market value of the Insured Vehicle directly or indirectly due to any product recall campaign and/or any manufacturing defect.","Transfer of ownership of the vehicle during the Policy Period","Any claim arising due to any fraudulent act committed by the Insured.","Any loss or damage to the Insured Vehicle that is covered under Motor Insurance Package Policy.","Any interferences made to the speedometer/odometer/hour meter","In case of EV or Hybrid vehicle, if battery installed in the covered vehicle is replaced due to any reason, no claim under this Policy shall be accepted.","Losses arising due to total loss, constructive total loss or theft of the covered Vehicle during the Policy/CertiĤcate Period."],"display":"Main exclusions include excess running, inability to obtain possession, sale or non-agreed use, non-RC use, unauthorised modification, routine maintenance, consequential loss, product recall or manufacturing defect, transfer of ownership, fraud, motor package policy losses, odometer interference, EV or hybrid battery replacement, and total loss, constructive total loss or theft.","note":null,"quote":"• If the Insured Vehicle has run more than xx KMs in xx months as speciĤed in the Policy Schedule/CertiĤcate of Insurance.\n• Failure or inability to obtain unencumbered actual or constructive possession of the Insured Vehicle for any reason.\n• Sale of Insured Vehicle or use of any purpose other than originally intended and agreed.\n• Any claim if the Insured Vehicle is used for any other purpose except for that speciĤed on the Registration CertiĤcate.\n• Any modiĤcation to the Insured Vehicle which is not in accordance with the manufacturer’s instructions or use of any accessory which has not been approved by the manufacturer.\n• Any expenses incurred on routine maintenance or service or inspection of the Insured Vehicle.\n• Any consequential loss of any kind and/or legal or contractual liability of any kind by or on behalf of Insured, other than the terms & conditions of the OEM/manufacturer’s warranty.\n• Any loss or reduction in the actual market value of the Insured Vehicle directly or indirectly due to any product recall campaign and/or any manufacturing defect.\n• Transfer of ownership of the vehicle during the Policy Period ... • Any claim arising due to any fraudulent act committed by the Insured.\n• Any loss or damage to the Insured Vehicle that is covered under Motor Insurance Package Policy. ... • Any interferences made to the speedometer/odometer/hour meter, or if there was a change to the corresponding mileage which was not indicated or reported to Us. ... • In case of EV or Hybrid vehicle, if battery installed in the covered vehicle is replaced due to any reason, no claim under this Policy shall be accepted. ... • Losses arising due to total loss, constructive total loss or theft of the covered Vehicle during the Policy/CertiĤcate Period.","sources":[{"clause":null,"heading":"III. SpeciĤc Exclusions","page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/residual-value-insurance-irdan144rpmt0021v01202627/document/14847#c-iii-specihc-exclusions"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":["the diģerence between the guaranteed value which is a Ĥxed pre-determined % of ex-showroom price or invoice value whichever is lower on the date of purchase of Vehicle(as speciĤed in the Policy Schedule) and the actual market value of the Vehicle at the time of sale of the Vehicle","The diģerential incurs due to Ĥnancial, or performance risk tied to market conditions, demand-supply dynamics, and economic cycles at time of resale of Vehicle."],"display":"Difference between guaranteed value and actual market value at vehicle sale, where the differential is due to financial or performance risk tied to market conditions, demand-supply dynamics and economic cycles at resale","note":null,"quote":"the Company shall provide the diģerence between the guaranteed value which is a Ĥxed pre-determined % of ex-showroom price or invoice value whichever is lower on the date of purchase of Vehicle(as speciĤed in the Policy Schedule) and the actual market value of the Vehicle at the time of sale of the Vehicle. Provided,\n• The diģerential incurs due to Ĥnancial, or performance risk tied to market conditions, demand-supply dynamics, and economic cycles at time of resale of Vehicle.","sources":[{"clause":null,"heading":"I. Scope of Cover","page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/residual-value-insurance-irdan144rpmt0021v01202627/document/14847#c-i-scope-of-cover"}],"law":[]},{"key":"deductible","label":"Deductible or excess","section":"Limits and co-pay","meaning":"Amount of each claim you bear.","status":"not-stated","value":null,"display":null,"note":"The wording only points to any deductible as specified in the Policy Schedule/Certificate of Insurance and does not state an amount.","quote":null,"sources":[],"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 may cancel at any time by informing the Company. The Company refunds proportionate premium for the unexpired policy year if no claim has been made, and refunds the premium entirely for remaining full policy years where risk coverage has not commenced.","display":"Proportionate premium for the unexpired policy year if no claim; full refund for remaining policy years where risk coverage has not commenced","note":null,"quote":"The policy may be cancelled at any time by the insured for any reason by informing the Company. ... Company shall refund proportionate premium for unexpired policy year in which cancellation happens, provided there is no claim(s) made during the policy period when cancellation initiated by insured. For the remaining full policy years where the risk coverage has not commenced, premium will be refunded entirely.","sources":[{"clause":null,"heading":"Cancellation","page":3,"url":"https://indiainsurances.com/policy/sbi-general-insurance/residual-value-insurance-irdan144rpmt0021v01202627/document/14846#c-cancellation"}],"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":"quote-verified","value":"This Policy provides cover within India, and the Company's liability to make payment is within India and in Indian Rupees only.","display":"Within India; payment within India and in Indian Rupees only","note":null,"quote":"This Policy provides covers within India and the Company’s liability to make any payment shall be to make payment within India and in Indian Rupees only.","sources":[{"clause":null,"heading":"10. Territorial Limits","page":3,"url":"https://indiainsurances.com/policy/sbi-general-insurance/residual-value-insurance-irdan144rpmt0021v01202627/document/14847#c-10-territorial-limits"}],"law":[]},{"key":"subject_covered","label":"What is insured","section":"Cover","meaning":"The thing or risk this policy covers.","status":"quote-verified","value":"The policy covers the residual value of the Insured Vehicle at the end of the Policy Period, subject to the policy schedule/certificate terms, conditions, limitations and exclusions.","display":"Residual Value of the Insured Vehicle at the end of Policy Period","note":null,"quote":"the Company hereby agrees to oģer Residual Value of the Insured Vehicle at the end of Policy Period subject to terms, conditions, limitations and exclusions speciĤed in the Policy Schedule/CertiĤcate of Insurance.","sources":[{"clause":null,"heading":"Residual Value Insurance","page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/residual-value-insurance-irdan144rpmt0021v01202627/document/14847#c-residual-value-insurance"}],"law":[]}],"documents":[{"kind":"wording","label":"Residual Value Insurance Policy Wordings","pages":5,"fetched_at":"2026-10-17 19:54:58+00","source_url":"https://content.sbigeneral.in/uploads/SBIG_Residual_Value_Insurance_Policy_Wording_26083101_427376b4b4.pdf","url":"https://indiainsurances.com/policy/sbi-general-insurance/residual-value-insurance-irdan144rpmt0021v01202627/document/14847"},{"kind":"prospectus","label":"Residual Value Insurance Prospectus","pages":4,"fetched_at":"2026-10-17 19:54:56+00","source_url":"https://content.sbigeneral.in/uploads/11_Residual_Value_Insurance_Prospectus_3b2fea9815.pdf","url":"https://indiainsurances.com/policy/sbi-general-insurance/residual-value-insurance-irdan144rpmt0021v01202627/document/14846"},{"kind":"cis","label":"Residual Value Insurance CIS","pages":4,"fetched_at":"2026-10-17 19:54:55+00","source_url":"https://content.sbigeneral.in/uploads/SBIG_Motor_Residual_Value_CIS_26083101_01c46f698d.pdf","url":"https://indiainsurances.com/policy/sbi-general-insurance/residual-value-insurance-irdan144rpmt0021v01202627/document/14845"}],"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":"Residual Value Insurance (UIN IRDAN144RPMT0021V01202627), IndiaInsurances, https://indiainsurances.com/policy/sbi-general-insurance/residual-value-insurance-irdan144rpmt0021v01202627"}