{"uin":"IRDAN144RPMT0022V01202425","name":"Private Car Long Term Package Policy","url":"https://indiainsurances.com/policy/sbi-general-insurance/private-car-long-term-package-policy-irdan144rpmt0022v01202425","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":"Private Car Long Term Package Policy covers own damage to a private car and third-party liability for a period of 3 years. It uses IDV as the sum insured and offers add-ons including depreciation reimbursement, road-side assistance, engine guard, return to invoice, key replacement and tyre and rim secure.","analysis":{"state":"machine","analysed_at":"2026-10-20 05:42:18.447521+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 covers compulsory third-party liability together with loss or damage to the vehicle for a period of 3 years.","display":"3 years","note":null,"quote":"This Policy is designed to cover the compulsory Third Party Liability as required by Motor Vehicles Act, together with loss or damage to the Vehicle itself for a period of three years.","sources":[{"clause":null,"heading":"Private Car Long Term Package Policy","page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/private-car-long-term-package-policy-irdan144rpmt0022v01202425/document/14850#c-private-car-long-term-package-policy"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"Notice must be given in writing to the Company immediately and in any case within 14 days of the occurrence. For theft or a criminal act, immediate notice must also be given to the Police.","display":"Immediately, and in any case within 14 days of occurrence","note":null,"quote":"Notice shall be given in writing to the Company immediately ... upon the occurrence of any accidental loss or damage in the event of any claim and in any case within 14 days of such occurrence ... In case of theft or criminal act which may be the subject matter of a claim under this policy, the insured shall give immediate notice to the Police","sources":[{"clause":null,"heading":"CONDITIONS","page":5,"url":"https://indiainsurances.com/policy/sbi-general-insurance/private-car-long-term-package-policy-irdan144rpmt0022v01202425/document/14855#c-conditions"},{"clause":null,"heading":"CONDITIONS","page":5,"url":"https://indiainsurances.com/policy/sbi-general-insurance/private-car-long-term-package-policy-irdan144rpmt0022v01202425/document/14855#c-conditions-2"},{"clause":null,"heading":"CONDITIONS","page":5,"url":"https://indiainsurances.com/policy/sbi-general-insurance/private-car-long-term-package-policy-irdan144rpmt0022v01202425/document/14855#c-conditions-3"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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","under the influence of intoxicating liquor or drugs","driving the insured vehicle without a valid license","outside the Geographical Area as stated in the Schedule","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 or in the charge of any person other than a driver as stated in the Driver's Clause","ionizing radiations or contamination by radioactivity","nuclear weapons","war, invasion, the act of foreign enemies, hostilities or warlike operations","any willful act or omission or gross negligence of the Insured"],"display":"Consequential loss, wear and tear, mechanical/electrical breakdown, tyre damage unless vehicle is damaged, drunk driving, invalid licence, outside geographical area, contractual liability, use or driver outside permitted terms, nuclear/radiation, war and wilful act or gross negligence","note":null,"quote":"consequential loss, depreciation, wear and tear, mechanical or electrical breakdown, failures or breakages; ... Damage to tyres and tubes unless the vehicle is damaged at the same time ... under the influence of intoxicating liquor or drugs or driving the insured vehicle without a valid license ... Any accidental loss damage and/or liability caused, sustained, or\nincurred outside the Geographical Area as stated in the Schedule. ... 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 or in the charge of any person other than a driver as stated in the Driver's Clause ... ionizing radiations or contamination by radioactivity ... nuclear weapons ... war, invasion,\n(ii) Loss of two limbs or sight of two eyes or one limb and sight of one eye | 100%\nthe act of foreign enemies, hostilities or warlike operations ... any willful act or omission or gross negligence of the Insured.","sources":[{"clause":"2","heading":"The Company shall not be liable to make any payment in respect of","page":3,"url":"https://indiainsurances.com/policy/sbi-general-insurance/private-car-long-term-package-policy-irdan144rpmt0022v01202425/document/14855#c-2-2"},{"clause":"1","heading":"Any accidental loss damage and/or liability caused, sustained, or","page":4,"url":"https://indiainsurances.com/policy/sbi-general-insurance/private-car-long-term-package-policy-irdan144rpmt0022v01202425/document/14855#c-1-4"},{"clause":"2","heading":null,"page":4,"url":"https://indiainsurances.com/policy/sbi-general-insurance/private-car-long-term-package-policy-irdan144rpmt0022v01202425/document/14855#c-2-4"},{"clause":"3","heading":"Any accidental loss/damage and/or liability caused, sustained or","page":4,"url":"https://indiainsurances.com/policy/sbi-general-insurance/private-car-long-term-package-policy-irdan144rpmt0022v01202425/document/14855#c-3-4"},{"clause":"4","heading":null,"page":4,"url":"https://indiainsurances.com/policy/sbi-general-insurance/private-car-long-term-package-policy-irdan144rpmt0022v01202425/document/14855#c-4-3"},{"clause":"5","heading":"Any accidental loss or damage or liability directly or indirectly","page":4,"url":"https://indiainsurances.com/policy/sbi-general-insurance/private-car-long-term-package-policy-irdan144rpmt0022v01202425/document/14855#c-5-3"},{"clause":"6","heading":"Any accidental loss damage and/or liability directly or indirectly or","page":4,"url":"https://indiainsurances.com/policy/sbi-general-insurance/private-car-long-term-package-policy-irdan144rpmt0022v01202425/document/14855#c-6-2"},{"clause":"7","heading":"The Policy does not cover any accidental loss or damage caused","page":4,"url":"https://indiainsurances.com/policy/sbi-general-insurance/private-car-long-term-package-policy-irdan144rpmt0022v01202425/document/14855#c-7-2"}],"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":["fire, explosion, self-ignition or lightning","burglary, housebreaking or theft","riot and strike","earthquake (fire and shock damage)","flood, typhoon, hurricane, storm, tempest, inundation, cyclone, hailstorm and frost","accidental external means","malicious act","terrorist activity","whilst in transit by road, rail, inland-waterway, lift, elevator or air","landslide and rockslide","death of or bodily injury to any person","damage to any property other than the property belonging to the insured"],"display":"Own-damage perils including fire, theft, riot/strike, earthquake, flood/storm/cyclone and other natural perils, accidental external means, malicious act, terrorism, transit, landslide/rockslide, plus third-party injury/death and property damage liability","note":null,"quote":"or damage to the vehicle insured hereunder and / or its accessories whilst thereon\ni) by fire, explosion, self-ignition or lightning;\nii) by burglary, housebreaking or theft ;\niii) by riot and strike;\niv) by earthquake (fire and shock damage);\nv) by flood, typhoon, hurricane, storm, tempest, inundation, cyclone, hailstorm and frost;\nvi) by accidental external means;\nvii) by malicious act;\nviii) by terrorist activity;\nix) whilst in transit by road, rail, inland-waterway, lift, elevator or air;\nx) By landslide and rockslide ... death of or bodily injury to any person ... damage to any property other than the property belonging to the insured","sources":[{"clause":"1","heading":"The Company will indemnify the insured against accidental loss","page":2,"url":"https://indiainsurances.com/policy/sbi-general-insurance/private-car-long-term-package-policy-irdan144rpmt0022v01202425/document/14855#c-1-2"},{"clause":"1(i)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/sbi-general-insurance/private-car-long-term-package-policy-irdan144rpmt0022v01202425/document/14855#c-1-i"},{"clause":"1(ii)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/sbi-general-insurance/private-car-long-term-package-policy-irdan144rpmt0022v01202425/document/14855#c-1-ii"}],"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 any time during the policy period by notice. The Company refunds premium for the unexpired policy period if no claim has been made; for insured-initiated OD cancellation the refund is pro rata if no claim has been made or reported, and TP refund is pro rata for the unexpired annual term.","display":"Refund of unexpired premium if no claim; OD pro rata and TP pro rata for unexpired annual term","note":null,"quote":"The Insured may cancel the Policy anytime during the Policy Period by giving a notice to the Company , in such case the\nNo claim made or pending during the preceding 3 consecutive years of insurance | 35%\nCompany shall refund premium for the unexpired Policy Period and provided there is no claim(s) made during the Policy Period. ... In the event of OD Section cancellation initiated by Insured refund will be on pro rata basis, provided no claim has been made or reported TP Section refund will be made for the unexpired annual term on the date of cancellation on prorate basis","sources":[{"clause":"9","heading":"No Claim Bonus: N o Claim Bonus (NCB), wherever applicable, will","page":5,"url":"https://indiainsurances.com/policy/sbi-general-insurance/private-car-long-term-package-policy-irdan144rpmt0022v01202425/document/14855#c-9-2"},{"clause":"Row 1(b)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/sbi-general-insurance/private-car-long-term-package-policy-irdan144rpmt0022v01202425/document/14855#c-row-1-b"}],"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 refers to the Geographical Area as stated in the Schedule; the provided clauses do not state the base geographical area.","quote":null,"sources":[],"law":[]},{"key":"cover_types","label":"Cover types","section":"Cover","meaning":"Comprehensive, standalone own damage, third-party only.","status":"quote-verified","value":["Package policy (own damage and third-party liability)"],"display":"Package policy: own damage plus compulsory third-party liability","note":null,"quote":"Private Car Long Term Package Policy ... This Policy is designed to cover the compulsory Third Party Liability as required by Motor Vehicles Act, together with loss or damage to the Vehicle itself for a period of three years.","sources":[{"clause":null,"heading":"Private Car Long Term Package Policy","page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/private-car-long-term-package-policy-irdan144rpmt0022v01202425/document/14850#c-private-car-long-term-package-policy"}],"law":[]},{"key":"third_party","label":"Third-party liability","section":"Cover","meaning":"Compulsory cover for injury, death or property damage to others. Unlimited for death and injury.","status":"quote-verified","value":"The policy indemnifies the insured for legal liability arising out of use of the insured vehicle for death or bodily injury to any person, including occupants not carried for hire or reward, and for damage to property other than property belonging to or held by the insured.","display":"Covers legal liability for third-party death, bodily injury and property damage","note":"The quoted policy wording makes the cover subject to limits of liability as laid down in the Schedule; it does not state an unlimited injury/death limit in the provided clauses.","quote":"the Company will indemnify the insured in the event of an accident caused by or arising out of the use of the insured vehicle against all sums which the Insured shall become legally liable to pay in respect of :- ... death of or bodily injury to any person including occupants carried in the vehicle (provided such occupants are not carried for hire or reward) ... damage to any property other than the property belonging to the insured or held in trust or in the custody or control of the insured","sources":[{"clause":"1","heading":"Subject to the limits of liability as laid down in the Schedule","page":3,"url":"https://indiainsurances.com/policy/sbi-general-insurance/private-car-long-term-package-policy-irdan144rpmt0022v01202425/document/14855#c-1-3"},{"clause":"1(i)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/sbi-general-insurance/private-car-long-term-package-policy-irdan144rpmt0022v01202425/document/14855#c-1-i"},{"clause":"1(ii)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/sbi-general-insurance/private-car-long-term-package-policy-irdan144rpmt0022v01202425/document/14855#c-1-ii"}],"law":[{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch V, I, Paras 1 to 4","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch V, I, Para 7","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 146","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 147","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 150","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 157","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 164","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 161","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 166(3)","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 162","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"idv","label":"Insured declared value (IDV)","section":"Cover","meaning":"The vehicle's insured value: maximum paid for theft or total loss.","status":"quote-verified","value":"The Insured's Declared Value of the insured vehicle is deemed the sum insured and is fixed at the commencement of each policy period on the manufacturer's listed selling price adjusted for depreciation. For total loss or constructive total loss, the IDV stated in the Schedule for the relevant year is treated as the market value without further depreciation, and CTL applies if retrieval and repair costs exceed 75% of IDV.","display":"IDV is the sum insured; market value for TL/CTL; CTL if costs exceed 75% of IDV","note":null,"quote":"The Insured's Declared Value (IDV) of the insured vehicle will be deemed to be the 'SUM INSURED' for the purpose of this policy which is fixed at the commencement of each Policy Period for the insured vehicle. ... IDV as stated in the Schedule separately for each year of the Policy Period shall be treated as the 'Market Value' of the vehicle throughout the Policy Period without any further depreciation for the purpose of Total Loss (TL) / Constructive Total Loss (CTL) claims. The insured vehicle shall be treated as a CTL if the aggregate cost of retrieval and / or repair of the vehicle, subject to terms and conditions of the policy, exceeds 75% of the IDV of the vehicle.","sources":[{"clause":null,"heading":"SUM INSURED – INSURED'S DECLARED VALUE (IDV)","page":3,"url":"https://indiainsurances.com/policy/sbi-general-insurance/private-car-long-term-package-policy-irdan144rpmt0022v01202425/document/14855#c-sum-insured-insured-s-declared-value-idv"}],"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 parts replacement, depreciation is 50% for rubber, nylon, plastic parts, tyres, tubes, batteries and air bags; 30% for fibre glass components; nil for glass; and age-wise for other parts. Painting depreciation is 50% on the material cost, with material treated as 25% of total painting charges if the bill is consolidated.","display":"50% rubber/nylon/plastic, tyres, tubes, batteries and air bags; 30% fibre glass; nil glass; other parts age-wise; painting 50% on material cost","note":"The wording extraction interleaves the parts depreciation table with the IDV depreciation table; the stated special rates for parts and painting are quoted from the policy wording.","quote":"For all rubber/ nylon / plastic parts, tyres and tubes, batteries and air bags- 50% (2) For fibre glass components – 30% (3) For all parts made of glass - Nil (4) Rate of depreciation for all other parts including wooden parts will be as per the following schedule. ... Exceeding 5 year 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\nExceeding 3 years but not exceeding 4 years | 40%\nconsolidated bill for painting charges, the material\nExceeding 4 years but not exceeding 5 years | 50%\ncomponent shall be considered as 25% of total painting charges for the purpose of applying the depreciation.","sources":[{"clause":"1","heading":"The Company will indemnify the insured against accidental loss","page":2,"url":"https://indiainsurances.com/policy/sbi-general-insurance/private-car-long-term-package-policy-irdan144rpmt0022v01202425/document/14855#c-1-2"},{"clause":null,"heading":"VEHICLE","page":3,"url":"https://indiainsurances.com/policy/sbi-general-insurance/private-car-long-term-package-policy-irdan144rpmt0022v01202425/document/14855#c-vehicle"}],"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 is a discount on own-damage premium allowed on renewal if the policy is renewed within 90 days of expiry. The wording table shows 20% after one claim-free year, 25% after two consecutive claim-free years and 35% after the preceding three consecutive claim-free years; the prospectus says the discount can go as high as 50%.","display":"NCB on renewal; up to 50%, with 20%, 25% and 35% shown in the wording table","note":"The extracted policy wording table shows 20%, 25% and 35%; the prospectus states the discount can go as high as 50%.","quote":"No Claim Bonus: N o Claim Bonus (NCB), wherever applicable, will\nbe as per the following table, which will be applicable on renewal of the policy term. A No Claim Bonus will only be allowed if the Policy is renewed within 90 days of the expiry date of the previous policy. ... 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% ... This discount can go as high as 50%.","sources":[{"clause":"9","heading":"No Claim Bonus: N o Claim Bonus (NCB), wherever applicable, will","page":5,"url":"https://indiainsurances.com/policy/sbi-general-insurance/private-car-long-term-package-policy-irdan144rpmt0022v01202425/document/14855#c-9-2"},{"clause":null,"heading":"Discounts Available","page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/private-car-long-term-package-policy-irdan144rpmt0022v01202425/document/14850#c-discounts-available"}],"law":[]},{"key":"compulsory_deductible","label":"Compulsory deductible","section":"Limits and co-pay","meaning":"Fixed amount you pay on every own-damage claim.","status":"quote-verified","value":"Own-damage claims are subject to a compulsory deductible of Rs. 1,000 for vehicles below 1500 cubic capacity and Rs. 2,000 for vehicles above 1500 cubic capacity.","display":"Rs. 1,000 below 1500 cc; Rs. 2,000 above 1500 cc","note":"The policy wording endorsement uses a placeholder amount; the exact deductible amounts are stated in the prospectus.","quote":"Compulsory Deductible - Claims under Own Damage section of policies covering all classes of vehicles are subject to a compulsory deductible of `1,000 for vehicles below 1500 cubic capacity and `2,000 for vehicles above 1500 cubic capacity.","sources":[{"clause":null,"heading":"Cancellation","page":2,"url":"https://indiainsurances.com/policy/sbi-general-insurance/private-car-long-term-package-policy-irdan144rpmt0022v01202425/document/14850#c-cancellation"}],"law":[]},{"key":"deductible","label":"Voluntary deductible","section":"Limits and co-pay","meaning":"An extra amount per claim you choose to bear for a lower premium.","status":"quote-verified","value":"The insured may opt for a voluntary deductible over and above the compulsory deductible. Options shown are Rs. 2500, Rs. 5000, Rs. 7500 and Rs. 15000 with OD premium discounts.","display":"Optional voluntary deductible of Rs. 2500, Rs. 5000, Rs. 7500 or Rs. 15000","note":null,"quote":"Insured may opt for higher deductible over and above the compulsory deductible in which case suitable discount will be allowed as per the following table:\nVoluntary Deductible | Discount\n`2500 | 20% on the OD premium of the vehicle, subject to a maximum of `2250/-\n`5000 | 25% on the OD premium of the vehicle, subject to a maximum of `4500/-\n`7500 | 30% on the OD premium of the vehicle, subject to a maximum of `6000/-\n`15000 | 35% on the OD premium of the vehicle, subject to a maximum of `7500/-","sources":[{"clause":null,"heading":"Voluntary Deductible","page":3,"url":"https://indiainsurances.com/policy/sbi-general-insurance/private-car-long-term-package-policy-irdan144rpmt0022v01202425/document/14850#c-voluntary-deductible"}],"law":[]},{"key":"pa_owner_driver","label":"Personal accident cover for owner-driver","section":"Cover","meaning":"Compulsory PA cover for the owner-driver.","status":"quote-verified","value":"The owner-driver personal accident cover pays compensation for accidental bodily injury or death while mounting into, dismounting from, travelling in or co-driving the insured vehicle. The scale includes 100% for death, loss of two limbs or sight of two eyes or one limb and sight of one eye, and permanent total disablement; 50% for loss of one limb or sight of one eye; total liability is Rs. 15 lakh during the policy period, subject to the owner-driver being the registered owner, named insured and holding a valid driving licence.","display":"Owner-driver PA up to Rs. 15 lakh; 100% death/PTD/two limbs or eyes, 50% one limb or eye","note":null,"quote":"PERSONAL ACCIDENT COVER FOR OWNER-DRIVER\nSubject otherwise to the terms, exceptions, conditions and limitations of this Policy, the Company undertakes to pay compensation as per the following scale, for bodily injury/ death sustained by the owner-driver of the insured vehicle, whilst the owner-driver was mounting into/dismounting from the insured vehicle or traveling in it as a co-driver ... This cover is subject to\na) the owner-driver is the registered owner of the vehicle insured herein;\nb) the owner-driver is the Insured named in this Policy. (c ) the owner-driver holds a valid driving license ... (i) Death | 100% ... (ii) Loss of two limbs or sight of two eyes or one limb and sight of one eye | 100% ... (iii) Loss of one limb or sight of one eye | 50% ... (iv) Permanent total disablement from injuries other than named above | 100% ... total liability of the Company shall not in the aggregate exceed the sum of Rs. 15 lakh during the the Policy Period","sources":[{"clause":null,"heading":"PERSONAL ACCIDENT COVER FOR OWNER-DRIVER","page":4,"url":"https://indiainsurances.com/policy/sbi-general-insurance/private-car-long-term-package-policy-irdan144rpmt0022v01202425/document/14855#c-personal-accident-cover-for-owner-driver"},{"clause":null,"heading":"This cover is subject to","page":4,"url":"https://indiainsurances.com/policy/sbi-general-insurance/private-car-long-term-package-policy-irdan144rpmt0022v01202425/document/14855#c-this-cover-is-subject-to"},{"clause":"6","heading":"Any accidental loss damage and/or liability directly or indirectly or","page":4,"url":"https://indiainsurances.com/policy/sbi-general-insurance/private-car-long-term-package-policy-irdan144rpmt0022v01202425/document/14855#c-6-2"}],"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","Enhanced PA Cover for Unnamed Passengers","Enhanced PA for Paid Driver","Hospital Cash Cover for Insured (Owner Driver)","Hospital Cash Cover for Paid Driver","Hospital Cash cover for Unnamed Passengers","Basic Road Side Assistance","Additional Road Side Assistance","Engine Guard","Cover for Consumables","Tyre and Rim Secure","EMI Protector","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, Protection of NCB, Key replacement, Inconvenience Allowance, Loss of Personal Belongings, Enhanced PA covers, Hospital Cash covers, Road Side Assistance, Engine Guard, Consumables, Tyre and Rim Secure, EMI Protector, Emergency Medical Expenses, Wall charger, Battery Guard, Go Smart – Flexi Cover, Vehicle replacement edge and Professional fees for app restoration","note":"Add-ons are available on payment of additional premium or as opted in the policy schedule.","quote":"Add-On Covers:\nAdd on Name | Add on Name\nDepreciation Reimbursement | The Company will re-imburse the Insured, the amount of depreciation deducted on the value of parts which were allowed to be replaced for own damage claim lodged\nReturn to Invoice | In case of TOTAL LOSS, CONSTRUCTIVE TOTAL LOSS or THEFT OF THE INSURED VEHICLE the Company will pay for or replace with, a NEW vehicle of same make and model ... Protection of NCB | NCB applied on the policy.\nCover for Key replacement | The Company will re-imburse the Insured, the cost of replacing the vehicle keys ... Inconvenience Allowance | Company will pay the Insured – daily cash beneĤt ... Loss of Personal Belongings | The Company will pay for the Insured’s loss or damage of his personal belongings ... Enhanced PA cover for Insured | 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 ... Hospital Cash Cover for Insured (Owner Driver) | It pays compensation hospital conĤnement allowance ... Hospital Cash Cover for Paid Driver | It pays compensation hospital conĤnement allowance ... Hospital Cash cover for Unnamed Passengers | It pays compensation hospital conĤnement allowance ... 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 beneĤts ... Engine Guard | Policy extends to cover the damage to the internal child parts of the engine and/or gear box ... Cover for Consumables | Policy extends to cover expenses incurred by the Insured towards consumable items ... Tyre and Rim Secure | Policy covers expenses for repair and/ or replacement ... EMI Protector | The company will pay Equated Monthly Instalment ... Emergency Medical Expenses | This add on pays for the medical expenses ... Wall charger and associated components / accessories- | Company will indemnify the Insured for expenses incurred in repair or replacement ... Battery Guard | Company hereby undertakes to indemnify the Insured ... Go Smart – Flexi Cover | Company hereby undertakes to provide the Insured upon his request coverage for the kilometer limit ... Vehicle replacement edge | In consideration of payment of additional premium ... Professional fees for app restoration | Company hereby undertakes to reimburse Insured for any reasonable and necessary costs","sources":[{"clause":null,"heading":"Voluntary Deductible","page":3,"url":"https://indiainsurances.com/policy/sbi-general-insurance/private-car-long-term-package-policy-irdan144rpmt0022v01202425/document/14850#c-voluntary-deductible"}],"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 claims. After documents and assessment, a delivery order is provided on receipt of the repaired vehicle pre-invoice and the insurer processes claim payment in favour of the repairer after final documents.","display":"Yes, cashless service procedure for accidental damage with payment to garage","note":null,"quote":"Procedure to be followed for cashless service A. For accidental damage : Contact us as above mention modes B. You will receive a text message with contact details of the surveyor appointed for your claim. C. Document Submission: Surveyor collect all relevant documents from you or documents may be submitted to branch digitally through whatsapp/Mobile app or link shared by us D. Assessment: Loss will be assessed by surveyor as per policy terms and conditions. E. Delivery Order/Vehicle Delivery: On receipt of Pre-Invoice of repaired vehicle delivery order will be provided as per survey report and policy terms and conditions. F. Payment to garage: We will process the claim payment in favour of repairer post receipt of the Final document as per survey report and policy terms and conditions","sources":[{"clause":null,"heading":"PRIVATE CAR LONG TERM PACKAGE POLICY CUSTOMER INFORMATION SHEET / KNOW YOUR POLICY","page":4,"url":"https://indiainsurances.com/policy/sbi-general-insurance/private-car-long-term-package-policy-irdan144rpmt0022v01202425/document/14849#c-private-car-long-term-package-policy-customer-in-2"}],"law":[]},{"key":"motor_exclusions","label":"Main motor exclusions","section":"Exclusions","meaning":"No valid licence, drunk driving, use outside the permitted purpose, wear and tear...","status":"quote-verified","value":["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","under the influence of intoxicating liquor or drugs","driving the insured vehicle without a valid license","outside the Geographical Area as stated in the Schedule","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 or in the charge of any person other than a driver as stated in the Driver's Clause","ionizing radiations or contamination by radioactivity","nuclear weapons","war, invasion, the act of foreign enemies, hostilities or warlike operations","any willful act or omission or gross negligence of the Insured"],"display":"No cover for wear and tear, depreciation, mechanical/electrical breakdown, tyre damage unless vehicle also damaged, intoxication, invalid licence, outside geographical area, contractual liability, wrong use or driver, radiation/nuclear, war or wilful act/gross negligence","note":null,"quote":"consequential loss, depreciation, wear and tear, mechanical or electrical breakdown, failures or breakages; ... Damage to tyres and tubes unless the vehicle is damaged at the same time ... under the influence of intoxicating liquor or drugs or driving the insured vehicle without a valid license ... Any accidental loss damage and/or liability caused, sustained, or\nincurred outside the Geographical Area as stated in the Schedule. ... 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 or in the charge of any person other than a driver as stated in the Driver's Clause ... ionizing radiations or contamination by radioactivity ... nuclear weapons ... war, invasion,\n(ii) Loss of two limbs or sight of two eyes or one limb and sight of one eye | 100%\nthe act of foreign enemies, hostilities or warlike operations ... any willful act or omission or gross negligence of the Insured.","sources":[{"clause":"2","heading":"The Company shall not be liable to make any payment in respect of","page":3,"url":"https://indiainsurances.com/policy/sbi-general-insurance/private-car-long-term-package-policy-irdan144rpmt0022v01202425/document/14855#c-2-2"},{"clause":"1","heading":"Any accidental loss damage and/or liability caused, sustained, or","page":4,"url":"https://indiainsurances.com/policy/sbi-general-insurance/private-car-long-term-package-policy-irdan144rpmt0022v01202425/document/14855#c-1-4"},{"clause":"2","heading":null,"page":4,"url":"https://indiainsurances.com/policy/sbi-general-insurance/private-car-long-term-package-policy-irdan144rpmt0022v01202425/document/14855#c-2-4"},{"clause":"3","heading":"Any accidental loss/damage and/or liability caused, sustained or","page":4,"url":"https://indiainsurances.com/policy/sbi-general-insurance/private-car-long-term-package-policy-irdan144rpmt0022v01202425/document/14855#c-3-4"},{"clause":"4","heading":null,"page":4,"url":"https://indiainsurances.com/policy/sbi-general-insurance/private-car-long-term-package-policy-irdan144rpmt0022v01202425/document/14855#c-4-3"},{"clause":"5","heading":"Any accidental loss or damage or liability directly or indirectly","page":4,"url":"https://indiainsurances.com/policy/sbi-general-insurance/private-car-long-term-package-policy-irdan144rpmt0022v01202425/document/14855#c-5-3"},{"clause":"6","heading":"Any accidental loss damage and/or liability directly or indirectly or","page":4,"url":"https://indiainsurances.com/policy/sbi-general-insurance/private-car-long-term-package-policy-irdan144rpmt0022v01202425/document/14855#c-6-2"},{"clause":"7","heading":"The Policy does not cover any accidental loss or damage caused","page":4,"url":"https://indiainsurances.com/policy/sbi-general-insurance/private-car-long-term-package-policy-irdan144rpmt0022v01202425/document/14855#c-7-2"}],"law":[]},{"key":"sum_insured_basis","label":"Sum insured basis","section":"Cover","meaning":"How the cover amount is set: market value, reinstatement value, agreed value, IDV.","status":"quote-verified","value":"The sum insured basis is the Insured's Declared Value. IDV is fixed at commencement of each policy period from the manufacturer's listed selling price for the insured brand and model, adjusted for depreciation, and is treated as market value for total loss and constructive total loss.","display":"IDV, fixed from manufacturer’s listed selling price adjusted for depreciation","note":null,"quote":"The Insured's Declared Value (IDV) of the insured vehicle will be deemed to be the 'SUM INSURED' for the purpose of this policy which is fixed at the commencement of each Policy Period for the insured vehicle. The IDV of the vehicle (and side car/accessories if any fitted to the vehicle) is to be fixed on the basis of the manufacturer's listed selling price of the brand and model of the vehicle insured at the commencement of insurance/renewal and adjusted for depreciation (as per schedule below). ... IDV as stated in the Schedule separately for each year of the Policy Period shall be treated as the 'Market Value' of the vehicle 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":3,"url":"https://indiainsurances.com/policy/sbi-general-insurance/private-car-long-term-package-policy-irdan144rpmt0022v01202425/document/14855#c-sum-insured-insured-s-declared-value-idv"}],"law":[]}],"documents":[{"kind":"wording","label":"Private Car Long Term Package Policy Policy Wording","pages":29,"fetched_at":"2026-10-17 19:55:08+00","source_url":"https://content.sbigeneral.in/uploads/SBIG_Private_Car_Long_Term_Policy_Policy_Wording_26082501_19afcbe403.pdf","url":"https://indiainsurances.com/policy/sbi-general-insurance/private-car-long-term-package-policy-irdan144rpmt0022v01202425/document/14855"},{"kind":"prospectus","label":"Private Car Long Term Package Policy Prospectus","pages":5,"fetched_at":"2026-10-17 19:55:06+00","source_url":"https://content.sbigeneral.in/uploads/SBIG_Private_Car_Long_Term_Package_Policy_Prospectus_26082501_eeead73515.pdf","url":"https://indiainsurances.com/policy/sbi-general-insurance/private-car-long-term-package-policy-irdan144rpmt0022v01202425/document/14850"},{"kind":"cis","label":"Private Car Long Term Package Policy CIS","pages":6,"fetched_at":"2026-10-17 19:55:05+00","source_url":"https://content.sbigeneral.in/uploads/SBIGI_Private_Car_Long_Term_Package_CIS_26100101_0b3f7a4bdd.pdf","url":"https://indiainsurances.com/policy/sbi-general-insurance/private-car-long-term-package-policy-irdan144rpmt0022v01202425/document/14849"}],"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":"Private Car Long Term Package Policy (UIN IRDAN144RPMT0022V01202425), IndiaInsurances, https://indiainsurances.com/policy/sbi-general-insurance/private-car-long-term-package-policy-irdan144rpmt0022v01202425"}