{"uin":"IRDAN146RPMT0041V01202425","name":"Private Car Policy - Bundled","url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-policy-bundled-irdan146rpmt0041v01202425","insurer":{"slug":"hdfc-ergo-general-insurance","name":"HDFC ERGO General Insurance Company Limited","url":"https://indiainsurances.com/insurer/hdfc-ergo-general-insurance"},"line":"general","category":"motor-car","category_name":"Car insurance","irdai_type":"Main Product","kind":"product","status":"active","approved_on":"2018-08-30","withdrawn_on":null,"summary":"Private Car Policy-Bundled is a motor policy for private cars with own-damage, third-party liability and owner-driver personal accident sections. It provides bundled cover up to 3 years, uses IDV as the sum insured for total loss or constructive total loss, and offers cashless claim service at authorized network garages.","analysis":{"state":"machine","analysed_at":"2026-10-20 02:37:37.484053+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":"Bundled cover for private car vehicles up to 3 years, with multiple years of own damage cover and third party cover.","display":"Up to 3 years","note":null,"quote":"Private Car Policy- Bundled provides bundled cover to your prized possession for multiple years of Own Damage Cover and Third Party cover to suit your requirements. ... Bundled cover for Private Car vehicles up to 3 years","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-policy-bundled-irdan146rpmt0041v01202425/document/6501#c-s1"},{"clause":null,"heading":"PRODUCT HIGHLIGHTS","page":1,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-policy-bundled-irdan146rpmt0041v01202425/document/6501#c-product-highlights"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"Notice of any accidental loss or damage must be given to the Company immediately. For theft or criminal act, immediate notice must also be given to the police.","display":"Immediately","note":null,"quote":"Notice shall be given in writing to the Company immediately upon the occurrence of any accidental loss or damage in the event of any claim ... In case of theft or criminal act which may be the subject of a claim under this Policy the insured shall give immediate notice to the police","sources":[{"clause":"1","heading":"Notice shall be given in writing to the Company","page":3,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-policy-bundled-irdan146rpmt0041v01202425/document/6586#c-1-3"}],"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":"quote-verified","value":["Claim Form","Registration Certificate","Driving License","Policy Copy","Estimate of Repairs","AML Documents (if required)","Job Card Copy (in case of Add-on cover taken for loss of use )","PAN Card for claim amount greater than Rs 1 lakh","Aadhar Card for claim amount greater than Rs 1 lakh","Any other supporting document for claim amount greater than Rs 1 lakh"],"display":"Claim Form, Registration Certificate, Driving License, Policy Copy, Estimate of Repairs, AML Documents if required, Job Card Copy for loss-of-use add-on, and KYC documents for claims above Rs 1 lakh","note":null,"quote":"a) Claim Form ... b) Registration Certificate ... c) Driving License ... d) Policy Copy ... e) Estimate of Repairs ... f) AML Documents (if required) ... g) Job Card Copy (in case of Add-on cover taken for loss of use ) ... For claim amount greater than Rs 1 lakh, KYC documents as below are mandatory ... 1) PAN Card ... 2) Aadhar Card ... 3) Any other supporting document","sources":[{"clause":"9(a)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-policy-bundled-irdan146rpmt0041v01202425/document/6586#c-9-a-3"},{"clause":"9(b)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-policy-bundled-irdan146rpmt0041v01202425/document/6586#c-9-b-3"},{"clause":"9(c)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-policy-bundled-irdan146rpmt0041v01202425/document/6586#c-9-c-3"},{"clause":"9(d)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-policy-bundled-irdan146rpmt0041v01202425/document/6586#c-9-d-2"},{"clause":"9(e)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-policy-bundled-irdan146rpmt0041v01202425/document/6586#c-9-e-2"},{"clause":"9(f)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-policy-bundled-irdan146rpmt0041v01202425/document/6586#c-9-f-2"},{"clause":"9(g)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-policy-bundled-irdan146rpmt0041v01202425/document/6586#c-9-g-2"},{"clause":null,"heading":"Contact us- 022 6158 2020/ 022 6234 6234","page":6,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-policy-bundled-irdan146rpmt0041v01202425/document/6586#c-contact-us-022-6158-2020-022-6234-6234"}],"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 prospectus says that on receipt of the survey report, HDFC ERGO shall within a period of 7days offer a settlement of the claim to the insured.","display":"Within 7days of receipt of the survey report","note":null,"quote":"On receipt of the survey report, as the case may be, an HDFC ERGO shall within a period of 7days offer a settlement of the claim to the insured.","sources":[{"clause":"3(g)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-policy-bundled-irdan146rpmt0041v01202425/document/6501#c-3-g"}],"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":["Any accidental loss damage and/or liability caused sustained or incurred outside the Geographical Area.","Any claim arising out of any contractual liability.","being used otherwise than in accordance with the Limitations as to Use","being driven by or is for the purpose of being driven by him/her in the charge of any person other than a Driver as stated in the Driver's clause.","Consequential loss, depreciation, wear and tear, mechanical or electrical breakdown failures or breakages;","Damage to Tyres and Tubes unless the vehicle insured is damaged at the same time","loss of or damage to accessories by burglary housebreaking or theft unless the vehicle is stolen at the same time","any accidental loss or damage suffered whilst the insured or any person driving the vehicle with the knowledge and consent of the insured is under the influence of intoxicating liquor or drugs.","directly or indirectly caused by or contributed to by or arising from nuclear weapons material.","occasioned by or contributed to by or traceable to or arising out of or in connection with war, invasion, the act of foreign enemies, hostilities or warlike operations"],"display":"Outside geographical area; contractual liability; use outside limitations; driver not as stated; wear and tear or breakdown; tyre and tube damage unless vehicle is also damaged; accessory theft unless vehicle is stolen; drunk or drugged driving; nuclear weapons material; war risks","note":null,"quote":"Any accidental loss damage and/or liability caused sustained or incurred outside the Geographical Area. ... Any claim arising out of any contractual liability. ... a) being used otherwise than in accordance with the Limitations as to Use or ... b) being driven by or is for the purpose of being driven by him/her in the charge of any person other than a Driver as stated in the Driver's clause. ... a) Consequential loss, depreciation, wear and tear, mechanical or electrical breakdown failures or breakages; ... b) Damage to Tyres and Tubes unless the vehicle insured is damaged at the same time in which case the liability of the company shall be limited to 50% of the cost of replacement. ... c) loss of or damage to accessories by burglary housebreaking or theft unless the vehicle is stolen at the same time; and ... d) any accidental loss or damage suffered whilst the insured or any person driving the vehicle with the knowledge and consent of the insured is under the influence of intoxicating liquor or drugs. ... any accidental loss or damage or liability directly or indirectly caused by or contributed to by or arising from nuclear weapons material. ... occasioned by or contributed to by or traceable to or arising out of or in connection with war, invasion, the act of foreign enemies, hostilities or warlike operations","sources":[{"clause":"1","heading":null,"page":10,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-policy-bundled-irdan146rpmt0041v01202425/document/6501#c-1-2"},{"clause":"2","heading":null,"page":10,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-policy-bundled-irdan146rpmt0041v01202425/document/6501#c-2-2"},{"clause":"3(a)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-policy-bundled-irdan146rpmt0041v01202425/document/6501#c-3-a"},{"clause":"3(b)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-policy-bundled-irdan146rpmt0041v01202425/document/6501#c-3-b"},{"clause":"3(a)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-policy-bundled-irdan146rpmt0041v01202425/document/6501#c-3-a-2"},{"clause":"3(b)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-policy-bundled-irdan146rpmt0041v01202425/document/6501#c-3-b-2"},{"clause":"3(c)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-policy-bundled-irdan146rpmt0041v01202425/document/6501#c-3-c"},{"clause":"3(d)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-policy-bundled-irdan146rpmt0041v01202425/document/6501#c-3-d"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"First contact HDFC ERGO through its call centre, grievance email, website, branch or courier, or approach the Complaint & Grievance Cell at a branch. If not satisfied, contact the Head of Customer Service at the Complaint & Grievance Cell, then the Principal Grievance Officer at cgo@hdfcergo.com before approaching the Ombudsman.","display":"Call centre/email/branch or C&G Cell first; then Head of Customer Service; then Principal Grievance Officer","note":null,"quote":"If you have a grievance that you wish us to redress, you may contact us with the details of your grievance through: ... Emails – grievance@hdfcergo.com ... You may also approach the Complaint & Grievance (C&G) Cell at any of our branches with the details of your grievance during our working hours from Monday to Friday. ... If you are not satisfied with our redressal of your grievance through one of the above methods, you may contact our Head of Customer Service at The Complaint & Grievance Cell ... In case you are not satisfied with the response / resolution given / offered by the C&G cell, then you can write to the Principal Grievance Officer of the Company at the following address ... e-mail: cgo@hdfcergo.com","sources":[{"clause":null,"heading":"Grievance Rederssal","page":12,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-policy-bundled-irdan146rpmt0041v01202425/document/6586#c-grievance-rederssal"},{"clause":null,"heading":"To the Principal Grievance Officer","page":12,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-policy-bundled-irdan146rpmt0041v01202425/document/6586#c-to-the-principal-grievance-officer"}],"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":["by fire explosion self ignition or lightning","by burglary housebreaking or theft","by riot and strike","by earthquake (fire and shock damage)","by flood typhoon hurricane storm tempest inundation cyclone hailstorm frost","by accidental external means","by malicious act","by terrorist activity","whilst in transit by road rail inland- waterway lift elevator or air","by landslide rockslide"],"display":"Fire, explosion, self ignition or lightning; burglary, housebreaking or theft; riot and strike; earthquake; flood and storm perils; accidental external means; malicious act; terrorist activity; transit; landslide or rockslide","note":null,"quote":"i) by fire explosion self ignition or lightning; ... ii) by burglary housebreaking or theft; ... iii) by riot and strike; ... iv) by earthquake (fire and shock damage); ... v) by flood typhoon hurricane storm tempest inundation cyclone hailstorm frost; ... vi) by accidental external means; ... vii) by malicious act; ... viii) by terrorist activity; ... ix) whilst in transit by road rail inland- waterway lift elevator or air; ... x) by landslide rockslide.","sources":[{"clause":"Section I","heading":"LOSS OF OR DAMAGE TO","page":1,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-policy-bundled-irdan146rpmt0041v01202425/document/6586#c-section-i"}],"law":[]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"The insured can cancel at any time during the policy term by informing the Company. If there has been no claim, proportionate premium for the unexpired policy period is refunded; if there has been a claim, no refund is made for the year in which the claim is made, and proportionate premium is refunded for unexpired policy years.","display":"No claim: proportionate refund for unexpired policy period; claim: no refund for claim year, proportionate refund for unexpired policy years","note":null,"quote":"The Insured can cancel the policy at any time during the policy term, by informing the Company. ... In case of No claim: The Company shall refund proportionate premium for the unexpired policy period. In case of claim: No refund shall be made for the year in which claim is made. The Company shall refund proportionate premium for the unexpired policy years","sources":[{"clause":"5(a)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-policy-bundled-irdan146rpmt0041v01202425/document/6586#c-5-a-3"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"not-stated","value":null,"display":null,"note":"The wording excludes loss outside the geographical area, but the base geographical area is not defined in the provided clauses.","quote":null,"sources":[],"law":[]},{"key":"cover_types","label":"Cover types","section":"Cover","meaning":"Comprehensive, standalone own damage, third-party only.","status":"quote-verified","value":["Own Damage Cover","Third Party cover"],"display":"Bundled own damage and third party cover","note":null,"quote":"Private Car Policy- Bundled provides bundled cover to your prized possession for multiple years of Own Damage Cover and Third Party cover to suit your requirements.","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-policy-bundled-irdan146rpmt0041v01202425/document/6501#c-s1"}],"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 covers third party liability as per the Motor Vehicle Act and third party property damage as per schedule. It indemnifies legal liability for death of or bodily injury to any person including occupants not carried for hire or reward, and damage to property other than property belonging to or under the insured's custody or control.","display":"Third party liability as per Motor Vehicle Act; property damage as per schedule","note":null,"quote":"Third party Property damage: <<As per schedule basis vehicle type TW/Pvt car Cv.> Third party liability: As per Motor Vehicle Act ... Company will indemnify the insured in the event of an Liability to Third accident caused by or arising out of the use of the Parties insured vehicle against all sums which the insured shall become legally liable to pay in respect of ... i) death of or bodily injury to any person including occupants carried in the insured vehicle (provided such occupants are not carried for hire or reward) ... ii) damage to property other than property belonging to the insured or held in trust or in the custody or control of the insured.","sources":[{"clause":"Row 5","heading":"Sum Insured / Motor Insured Declared Value Scope","page":1,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-policy-bundled-irdan146rpmt0041v01202425/document/6472#c-row-5"},{"clause":"Section II","heading":"Liability to Third Parties | Section II","page":2,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-policy-bundled-irdan146rpmt0041v01202425/document/6472#c-section-ii"},{"clause":"Section II(i)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-policy-bundled-irdan146rpmt0041v01202425/document/6472#c-section-ii-i"},{"clause":"Section II(ii)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-policy-bundled-irdan146rpmt0041v01202425/document/6472#c-section-ii-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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"depreciation","label":"Depreciation on parts","section":"Limits and co-pay","meaning":"How much of the cost of replaced parts you bear because of age (unless you have zero depreciation).","status":"quote-verified","value":"For replaced parts, depreciation is 50% for rubber/nylon/plastic parts, tyres, tubes, batteries and air bags; 30% for fiber glass components; Nil for glass; and 50% on painting material cost. For all other parts including wooden parts, the wording applies an age-based schedule from Nil not exceeding 6 months to 50% exceeding 10 years.","display":"50% rubber/nylon/plastic/tyres/tubes/batteries/air bags; 30% fiber glass; Nil glass; 50% painting material; other parts age-based","note":null,"quote":"For all rubber/ nylon/ plastic parts, tyres, tubes and batteries and air bags - 50% ... For fiber glass components - 30% ... For all parts made of glass - Nil ... parts will be as per the following schedule: ... 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. ... Not exceeding 6 months | Nil ... Exceeding 10 years | 50%","sources":[{"clause":"1","heading":"For all rubber/ nylon/ plastic parts, tyres, tubes and","page":1,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-policy-bundled-irdan146rpmt0041v01202425/document/6586#c-1"},{"clause":"2","heading":"For fiber glass components - 30%","page":1,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-policy-bundled-irdan146rpmt0041v01202425/document/6586#c-2"},{"clause":"3","heading":"For all parts made of glass - Nil","page":1,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-policy-bundled-irdan146rpmt0041v01202425/document/6586#c-3"},{"clause":"4","heading":"Rate of depreciation for all other parts including wooden","page":1,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-policy-bundled-irdan146rpmt0041v01202425/document/6586#c-4"},{"clause":"5","heading":"Rate of Depreciation for Painting","page":1,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-policy-bundled-irdan146rpmt0041v01202425/document/6586#c-5"},{"clause":"5(a)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-policy-bundled-irdan146rpmt0041v01202425/document/6586#c-5-a-2"},{"clause":null,"heading":"Private Car Policy - Bundled","page":1,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-policy-bundled-irdan146rpmt0041v01202425/document/6586#c-private-car-policy-bundled"}],"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":"An insured becomes entitled to No Claim Bonus only at renewal after expiry of the full duration. The applicable slab is specified in the Policy Schedule and is computed on the Own Damage premium required for renewal.","display":"Applicable slab as specified in the Policy Schedule at renewal after full duration","note":"The documents provided do not print the 20% to 50% NCB slab table.","quote":"An insured becomes entitled to No Claim Bonus only at the renewal of a policy after the expiry of the full duration. Applicable NCB slab will be as specified in the Policy Schedule ... The percentage of applicable NCB is to be computed on the Own Damage premium required for renewal of the insurance","sources":[{"clause":"9(c)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-policy-bundled-irdan146rpmt0041v01202425/document/6586#c-9-c"},{"clause":"9(a)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-policy-bundled-irdan146rpmt0041v01202425/document/6586#c-9-a-2"}],"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":"The prospectus states compulsory deductible of Rs. 1000 for cars not exceeding 1500 cc and Rs. 2000 for cars exceeding 1500 cc.","display":"Rs. 1,000 up to 1500 cc; Rs. 2,000 above 1500 cc","note":null,"quote":"COMPULSORY DEDUCTIBLE | CC ... 1000 | Not exceeding 1500 cc ... 2000 | Exceeding 1500 cc","sources":[{"clause":null,"heading":"COMPULSORY DEDUCTIBLE","page":11,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-policy-bundled-irdan146rpmt0041v01202425/document/6501#c-compulsory-deductible"}],"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":"If the insured opts for a voluntary deductible, it applies under Section I in respect of each and every event over and above the compulsory deductible. The prospectus lists voluntary deductible slabs of Rs. 2,500, Rs. 5,000, Rs. 7,500, Rs. 15,000, Rs. 20,000 and Rs. 25,000.","display":"Optional; Rs. 2,500 to Rs. 25,000 over and above the compulsory deductible","note":"Voluntary deductible is an add-on/option, not automatic.","quote":"If the insured opts for a voluntary deductible the add on provides a discount in own damage premium as per the below table: ... Rs. 2,500 | 20% on the OD premium of the vehicle ... Rs. 5,000 | 25% on the OD premium of the vehicle ... Rs. 7,500 | 30% on the OD premium of the vehicle ... Rs. 15,000 | 35% on the OD premium of the vehicle ... Rs. 20,000 | 40% on the OD premium of the vehicle ... Rs. 25,000 | 45% on the OD premium of the vehicle ... The voluntary deductible would be applicable over and above the compulsory deductible applicable under the main motor insurance policy. ... It is hereby declared and agreed that the Insured having opted a voluntary deductible of Rs...........*, a reduction in premium of Rs ........** under Section I of the Policy is hereby allowed.","sources":[{"clause":null,"heading":"3. VOLUNTARY DEDUCTIBLE","page":3,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-policy-bundled-irdan146rpmt0041v01202425/document/6501#c-3-voluntary-deductible"},{"clause":null,"heading":"IMT.22A. VOLUNTARY DEDUCTIBLE (For Private Cars/","page":10,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-policy-bundled-irdan146rpmt0041v01202425/document/6586#c-imt-22a-voluntary-deductible-for-private-cars"}],"law":[]},{"key":"pa_owner_driver","label":"Personal accident cover for owner-driver","section":"Cover","meaning":"Compulsory PA cover for the owner-driver.","status":"conflicting","value":"The policy wording states owner-driver personal accident compensation with total liability not exceeding Rs. 2 lakh during any one period of insurance, subject to the owner-driver being the registered owner, the insured named in the policy, and holding an effective driving license.","display":"Conflicting: wording says Rs. 2 lakh; prospectus says Rs 15 Lakhs","note":"Prospectus says: 'Cover for registered owner of the vehicle upto Rs 15 Lakhs.'","quote":"The Company undertakes to pay compensation as per the following scale for bodily injury/ death sustained by the owner-driver of the vehicle ... i) Death | 100% ... iii) Loss of one limb or sight of one eye | 50% ... the total liability of the insurer shall not in the aggregate exceed the sum of Rs. 2 lakh during any one period of insurance. ... a) the owner-driver is the registered owner of the vehicle insured herein; ... b) the owner-driver is the insured named in this policy. ... c) the owner-driver holds an effective driving license, in accordance with the provisions of Rule 3 of the Central Motor Vehicles Rules, 1989, at the time of the accident ... Cover for registered owner of the vehicle upto Rs 15 Lakhs.","sources":[{"clause":"Section III","heading":"PERSONAL ACCIDENT","page":3,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-policy-bundled-irdan146rpmt0041v01202425/document/6586#c-section-iii"},{"clause":"Section III(a)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-policy-bundled-irdan146rpmt0041v01202425/document/6586#c-section-iii-a"},{"clause":"Section III(b)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-policy-bundled-irdan146rpmt0041v01202425/document/6586#c-section-iii-b"},{"clause":"Section III(c)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-policy-bundled-irdan146rpmt0041v01202425/document/6586#c-section-iii-c"},{"clause":"Section III","heading":"PERSONAL ACCIDENT COVER TO OWNER DRIVER","page":10,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-policy-bundled-irdan146rpmt0041v01202425/document/6501#c-section-iii"}],"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":["Loss of Personal Belongings","No Claim Bonus Protection","Tyre Secure","Multi Vehicle Discount","Voluntary Deductible","Engine and Gear box Protector","Cost of Consumable Items","EMI Protector","Emergency Assistance Cover","Zero Depreciation Claim","Loss of Use – Downtime Protection","Higher Protection and Removal Costs","Pay As You Drive - Kilometer Benefit","Battery, Charger and Accessories Cover","Electric Motor Cover","Zero Depreciation Claim for Battery, Charger and Accessories Cover","EMI Protector Plus","Return to Invoice","Enhanced Roadside Assistance Cover","Pay As You Drive- Mileage Based","Emergency Medical Expenses"],"display":"Loss of Personal Belongings; NCB Protection; Tyre Secure; Multi Vehicle Discount; Voluntary Deductible; Engine and Gear box Protector; Consumables; EMI Protector; Emergency Assistance; Zero Depreciation; Loss of Use; Higher Protection and Removal Costs; Pay As You Drive; EV covers; Return to Invoice; Roadside Assistance; Emergency Medical Expenses","note":"These are add-on covers offered with the product.","quote":"1 | Loss of Personal Belongings | IRDAN146RPMT0041V01202425/A0063V01202425 ... 2 | No Claim Bonus Protection | IRDAN146RPMT0041V01202425/A0064V01202425 ... 3 | Tyre Secure | IRDAN146RPMT0041V01202425/A0065V01202425 ... 4 | Multi Vehicle Discount | IRDAN146RPMT0041V01202425/A0042V01202425 ... 5 | Voluntary Deductible | IRDAN146RPMT0041V01202425/A0043V01202425 ... 6 | Engine and Gear box Protector | IRDAN146RPMT0041V01202425/A0044V01202425 ... 7 | Cost of Consumable Items | IRDAN146RPMT0041V01202425/A0045V01202425 ... 8 | EMI Protector | IRDAN146RPMT0041V01202425/A0046V01202425 ... 9 | Emergency Assistance Cover | IRDAN146RPMT0041V01202425/A0047V01202425 ... 10 | Zero Depreciation Claim | IRDAN146RPMT0041V01202425/A0048V01202425 ... 11 | Loss of Use – Downtime Protection | IRDAN146RPMT0041V01202425/A0049V01202425 ... 12 | Higher Protection and Removal Costs | IRDAN146RPMT0041V01202425/A0050V01202425 ... 13 | Pay As You Drive - Kilometer Benefit | IRDAN146RPMT0041V01202425/A0066V01202425 ... 14 | Battery, Charger and Accessories Cover | IRDAN146RPMT0041V01202425/A0067V01202425 ... 15 | Electric Motor Cover | IRDAN146RPMT0041V01202425/A0068V01202425 ... 16 | Zero Depreciation Claim for Battery, Charger and Accessories Cover | IRDAN146RPMT0041V01202425/A0069V01202425 ... 17 | EMI Protector Plus | IRDAN146RPMT0041V01202425/A0051V01202425 ... 18 | Return to Invoice | IRDAN146RPMT0041V01202425/A0052V01202425 ... 19 | Enhanced Roadside Assistance Cover | IRDAN146RPMT0041V01202425/A0074V01202526 ... 20 | Pay As You Drive- Mileage Based | IRDAN146RPMT0041V01202425/A0079V01202526 ... Emergency Medical Expenses | IRDAN146RPMT0041V01202425/A0082V01202526","sources":[{"clause":null,"heading":"ADD ON COVERS","page":1,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-policy-bundled-irdan146rpmt0041v01202425/document/6501#c-add-on-covers"}],"law":[]},{"key":"cashless_garages","label":"Cashless garages","section":"Claims","meaning":"Whether repairs can be cashless at network garages.","status":"quote-verified","value":"The prospectus states that cashless claim service is available at authorized network garages.","display":"Cashless claim service at authorized network garages","note":null,"quote":"Cashless claim service at authorized network garages.","sources":[{"clause":null,"heading":"PRODUCT HIGHLIGHTS","page":1,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-policy-bundled-irdan146rpmt0041v01202425/document/6501#c-product-highlights"}],"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":["Any accidental loss damage and/or liability caused sustained or incurred outside the Geographical Area.","Any claim arising out of any contractual liability.","being used otherwise than in accordance with the Limitations as to Use","being driven by or is for the purpose of being driven by him/her in the charge of any person other than a Driver as stated in the Driver's clause.","Consequential loss, depreciation, wear and tear, mechanical or electrical breakdown failures or breakages;","Damage to Tyres and Tubes unless the vehicle insured is damaged at the same time","loss of or damage to accessories by burglary housebreaking or theft unless the vehicle is stolen at the same time","any accidental loss or damage suffered whilst the insured or any person driving the vehicle with the knowledge and consent of the insured is under the influence of intoxicating liquor or drugs.","war, invasion, the act of foreign enemies, hostilities or warlike operations"],"display":"Outside geographical area; contractual liability; use outside limitations; driver not as stated; wear and tear or breakdown; tyre and tube damage unless vehicle is also damaged; accessory theft unless vehicle is stolen; drunk or drugged driving; war risks","note":null,"quote":"Any accidental loss damage and/or liability caused sustained or incurred outside the Geographical Area. ... Any claim arising out of any contractual liability. ... a) being used otherwise than in accordance with the Limitations as to Use or ... b) being driven by or is for the purpose of being driven by him/her in the charge of any person other than a Driver as stated in the Driver's clause. ... a) Consequential loss, depreciation, wear and tear, mechanical or electrical breakdown failures or breakages; ... b) Damage to Tyres and Tubes unless the vehicle insured is damaged at the same time in which case the liability of the company shall be limited to 50% of the cost of replacement. ... c) loss of or damage to accessories by burglary housebreaking or theft unless the vehicle is stolen at the same time; and ... d) any accidental loss or damage suffered whilst the insured or any person driving the vehicle with the knowledge and consent of the insured is under the influence of intoxicating liquor or drugs. ... war, invasion, the act of foreign enemies, hostilities or warlike operations","sources":[{"clause":"1","heading":null,"page":10,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-policy-bundled-irdan146rpmt0041v01202425/document/6501#c-1-2"},{"clause":"2","heading":null,"page":10,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-policy-bundled-irdan146rpmt0041v01202425/document/6501#c-2-2"},{"clause":"3(a)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-policy-bundled-irdan146rpmt0041v01202425/document/6501#c-3-a"},{"clause":"3(b)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-policy-bundled-irdan146rpmt0041v01202425/document/6501#c-3-b"},{"clause":"3(a)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-policy-bundled-irdan146rpmt0041v01202425/document/6501#c-3-a-2"},{"clause":"3(b)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-policy-bundled-irdan146rpmt0041v01202425/document/6501#c-3-b-2"},{"clause":"3(c)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-policy-bundled-irdan146rpmt0041v01202425/document/6501#c-3-c"},{"clause":"3(d)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-policy-bundled-irdan146rpmt0041v01202425/document/6501#c-3-d"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]}],"documents":[{"kind":"wording","label":"Private Car Policy - Bundled","pages":15,"fetched_at":"2026-10-17 19:46:05+00","source_url":"https://customer-portal-assets.hdfcergo.com/documents/private-car-policy-bundled-841245976717.pdf","url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-policy-bundled-irdan146rpmt0041v01202425/document/6586"},{"kind":"wording","label":"Private Car Policy - Bundled (IRDAI copy)","pages":33,"fetched_at":"2026-10-20 00:37:03+00","source_url":"https://irdai.gov.in/documents/37343/993134/IRDAN125RP0008V01201819_GEN2442.pdf/d543e79b-88e2-6576-741c-0312ced5f480?version=1.2&t=1668850672633&download=true","url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-policy-bundled-irdan146rpmt0041v01202425/document/24055"},{"kind":"prospectus","label":"Private Car Policy - Bundled","pages":15,"fetched_at":"2026-10-17 19:43:45+00","source_url":"https://customer-portal-assets.hdfcergo.com/documents/1.PrivateCarPolicy-Bundled-774396047949.pdf","url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-policy-bundled-irdan146rpmt0041v01202425/document/6501"},{"kind":"cis","label":"Private Car Policy - Bundled","pages":9,"fetched_at":"2026-10-17 19:43:02+00","source_url":"https://customer-portal-assets.hdfcergo.com/documents/6.PrivateCarPolicy-Bundled-362296408594.pdf","url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-policy-bundled-irdan146rpmt0041v01202425/document/6472"}],"versions":[{"uin":"IRDAN125RP0008V01201819","version":null,"approved_on":null},{"uin":"IRDAN146RPMT0041V01202425","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"HDFC ERGO General Insurance official website","url":"https://www.hdfcergo.com/","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":"Claim intimation and process","url":"https://www.hdfcergo.com/claim/register-bike-insurance-claim/cashless-claims","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.hdfcergo.com/customer-voice/grievances","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":"Renew car insurance","url":"https://www.hdfcergo.com/renew-car-insurance","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 Policy - Bundled (UIN IRDAN146RPMT0041V01202425), IndiaInsurances, https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-policy-bundled-irdan146rpmt0041v01202425"}