{"uin":"IRDAN149RP0002V01201415","name":"Third Party Long Term Two Wheeler","url":"https://indiainsurances.com/policy/magma-general-insurance/third-party-long-term-two-wheeler-irdan149rp0002v01201415","insurer":{"slug":"magma-general-insurance","name":"Magma General Insurance Limited","url":"https://indiainsurances.com/insurer/magma-general-insurance"},"line":"general","category":"motor-two-wheeler","category_name":"Two-wheeler insurance","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"This is a liability only third-party long term two-wheeler policy covering legal liability for death or bodily injury to third parties and third-party property damage. It includes owner-driver personal accident cover up to Rs.15 Lakhs and offers extra-cost legal liability and bifuel-kit covers.","analysis":{"state":"machine","analysed_at":"2026-10-20 05:32:21.414759+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"not-stated","value":null,"display":null,"note":"The documents call the product long term but do not state the number of years in the provided clauses.","quote":null,"sources":[],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"Notice must be given in writing to the company immediately upon occurrence of any accidental loss or damage, and letters, claims, writs, summons or process must be forwarded immediately on receipt.","display":"Immediate written notice on occurrence; claim papers immediately on receipt","note":null,"quote":"Notice shall be given in writing to the Company immediately upon the occurrence of any accidental loss or damage in the event of any claim and thereafter the Insured shall give all such information and assistance as the Company shall require. Every letter claim writ summons and/or process or copy thereof shall be forwarded to the Company immediately on receipt by the insured.","sources":[{"clause":"6","heading":null,"page":4,"url":"https://indiainsurances.com/policy/magma-general-insurance/third-party-long-term-two-wheeler-irdan149rp0002v01201415/document/12518#c-6"}],"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":["Insured’s details","Policy Number","Date of Loss","Type of Loss","Loss Location","Contact details for communication","Completed & Signed claim form along with supporting documents","Every letter claim writ summons and/or process or copy thereof"],"display":"Insured details, policy number, loss details, contact details, completed and signed claim form with supporting documents, and legal papers","note":null,"quote":"➢ Insured’s details ➢ Policy Number ➢ Loss details such as\n1. Date of Loss\n2. Type of Loss\n3. Loss Location ➢ Contact details for communication ➢ Completed & Signed claim form along with supporting documents ... Every letter claim writ summons and/or process or copy thereof shall be forwarded to the Company immediately on receipt by the insured.","sources":[{"clause":null,"heading":"Minimum information required","page":2,"url":"https://indiainsurances.com/policy/magma-general-insurance/third-party-long-term-two-wheeler-irdan149rp0002v01201415/document/12460#c-minimum-information-required"},{"clause":"6","heading":null,"page":4,"url":"https://indiainsurances.com/policy/magma-general-insurance/third-party-long-term-two-wheeler-irdan149rp0002v01201415/document/12518#c-6"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"quote-verified","value":"The company will decide the claim within seven days of receipt of the survey report or after expiry of fifteen days from allocation of the claim to the surveyor, whichever is earlier.","display":"Within 7 days of survey report or 15 days from surveyor allocation, whichever is earlier","note":null,"quote":"The company will decide on the claim within seven days of receipt of the survey report or after expiry of fifteen days from allocation of the claim to the surveyor whichever is earlier","sources":[{"clause":"6(c)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/magma-general-insurance/third-party-long-term-two-wheeler-irdan149rp0002v01201415/document/12518#c-6-c-4"}],"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":["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","contractual liability","death arising out of and in the course of employment","death or bodily injury to any person being carried in or upon or entering or mounting or alighting from the motor vehicle","war, invasion, the act of foreign enemies, hostilities or warlike operations","nuclear weapons material","intentional self injury suicide or attempted suicide physical defect or infirmity","under the influence of intoxicating liquor or drugs"],"display":"Use outside limitations, invalid driver, contractual liability, employment/passenger exceptions, war, nuclear weapons material, intentional self injury, and intoxicating liquor or drugs","note":null,"quote":"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 ... The Company shall not be liable in respect of any claim arising out of contractual liability. ... death arising out of and in the course of employment ... death or bodily injury to any person (other than a passenger carried by reason of or in pursuance of a contract of employment) being carried in or upon or entering or mounting or alighting from the motor vehicle ... war, invasion, the act of foreign enemies, hostilities or warlike operations ... nuclear weapons material ... intentional self injury suicide or attempted suicide physical defect or infirmity ... under the influence of intoxicating liquor or drugs","sources":[{"clause":"1","heading":null,"page":3,"url":"https://indiainsurances.com/policy/magma-general-insurance/third-party-long-term-two-wheeler-irdan149rp0002v01201415/document/12518#c-1-2"},{"clause":"2","heading":null,"page":3,"url":"https://indiainsurances.com/policy/magma-general-insurance/third-party-long-term-two-wheeler-irdan149rp0002v01201415/document/12518#c-2-2"},{"clause":"3","heading":null,"page":3,"url":"https://indiainsurances.com/policy/magma-general-insurance/third-party-long-term-two-wheeler-irdan149rp0002v01201415/document/12518#c-3-2"},{"clause":"4","heading":null,"page":3,"url":"https://indiainsurances.com/policy/magma-general-insurance/third-party-long-term-two-wheeler-irdan149rp0002v01201415/document/12518#c-4-2"},{"clause":"5","heading":null,"page":3,"url":"https://indiainsurances.com/policy/magma-general-insurance/third-party-long-term-two-wheeler-irdan149rp0002v01201415/document/12518#c-5-2"},{"clause":"6","heading":null,"page":4,"url":"https://indiainsurances.com/policy/magma-general-insurance/third-party-long-term-two-wheeler-irdan149rp0002v01201415/document/12518#c-6"},{"clause":"Section II","heading":"PERSONAL ACCIDENT COVER FOR OWNER-DRIVER","page":3,"url":"https://indiainsurances.com/policy/magma-general-insurance/third-party-long-term-two-wheeler-irdan149rp0002v01201415/document/12518#c-section-ii"}],"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 the Company through its website, toll-free number, email, branch offices/corporate office or branch grievance cell, including the Branch Grievance Redressal Officer. If not satisfied, contact the Grievance Officer before using IRDAI Bima Bharosa or the Insurance Ombudsman.","display":"First contact the Company or Branch GRO; then the Grievance Officer","note":null,"quote":"In case of any grievance, the Insured Person may contact the Company through any of the following channels: ... The customer may also reach out to the Branch Grievance Redressal Officer (GRO) ... Insured Person may also approach the grievance cell at any of the company’s branches with the details of grievance. ... If the Insured Person is not satisfied with the grievance redressal through the above channels, they may contact the Grievance Officer at:","sources":[{"clause":"6(c)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/magma-general-insurance/third-party-long-term-two-wheeler-irdan149rp0002v01201415/document/12518#c-6-c-4"}],"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":["death of or bodily injury to any person so far as it is necessary to meet the requirements of Motor Vehicles Act","damage to property other than property belonging to the Insured or held in trust or in the custody or control of the Insured","bodily injury/ death sustained by the owner-driver of the vehicle in direct connection with the vehicle insured"],"display":"Third-party death or bodily injury, third-party property damage, and owner-driver accidental bodily injury or death","note":null,"quote":"i) death of or bodily injury to any person so far as it is necessary to meet the requirements of Motor Vehicles Act.\nii) damage to property other than property belonging to the Insured or held in trust or in the custody or control of the Insured. ... bodily injury/ death sustained by the owner-driver of the vehicle in direct connection with the vehicle insured","sources":[{"clause":"1","heading":null,"page":2,"url":"https://indiainsurances.com/policy/magma-general-insurance/third-party-long-term-two-wheeler-irdan149rp0002v01201415/document/12518#c-1"},{"clause":"Section II","heading":"PERSONAL ACCIDENT COVER FOR OWNER-DRIVER","page":3,"url":"https://indiainsurances.com/policy/magma-general-insurance/third-party-long-term-two-wheeler-irdan149rp0002v01201415/document/12518#c-section-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 at any time on seven days’ notice by recorded delivery. If no claim has arisen, the refund is the premium paid less premium at the company’s short period rates, subject to retention of minimum premium of Rs.100, or Rs.25 for vehicles specifically designed or modified for use by blind, handicapped or mentally challenged persons; if ownership is transferred, cancellation requires evidence that the vehicle is insured elsewhere.","display":"Cancel on 7 days’ notice; if no claim, refund is premium less short-period rates, subject to Rs.100 minimum premium or Rs.25 for specified adapted vehicles","note":null,"quote":"the Policy may be cancelled at any time by the Insured on seven days’ notice by recorded delivery and provided no claim has arisen during the currency of the Policy, the Insured shall be entitled to a return of premium less premium at the Company’s Short Period rates for the period the Policy has been in force. Return of the premium by the Company will be subject to retention of the minimum premium of Rs.100/- (or Rs.25/- in respect of vehicles specifically designed/modified for use by blind /handicapped / mentally challenged persons). Where the ownership of the vehicle is transferred, the Policy cannot be cancelled unless evidence that the vehicle is insured elsewhere is produced.","sources":[{"clause":"6","heading":null,"page":4,"url":"https://indiainsurances.com/policy/magma-general-insurance/third-party-long-term-two-wheeler-irdan149rp0002v01201415/document/12518#c-6"}],"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 provided wording includes an optional geographical extension endorsement, but the base geographic area of cover is not stated.","quote":null,"sources":[],"law":[]},{"key":"cover_types","label":"Cover types","section":"Cover","meaning":"Comprehensive, standalone own damage, third-party only.","status":"quote-verified","value":["third-party only","liability only"],"display":"Third-party only / liability only","note":null,"quote":"Third Party Long Term Two Wheeler Insurance Policy | Product UIN: IRDAN149RP0002V01201415 ... LIABILITY ONLY POLICY","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/magma-general-insurance/third-party-long-term-two-wheeler-irdan149rp0002v01201415/document/12518#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 indemnifies the insured for legal liability arising from use of the vehicle for death or bodily injury to any person as necessary to meet the Motor Vehicles Act, and for damage to property other than the insured’s own, trust, custody or control property.","display":"Legal liability for third-party death or bodily injury and third-party property damage","note":"The wording says the cover is subject to limits of liability laid down in the Schedule; the provided clauses do not print an unlimited death or injury limit.","quote":"Subject to the limits of liability as laid down in the Schedule hereto the Company will indemnify the Insured in the event of an accident caused by or arising out of the use of the vehicle against all sums which the Insured shall become legally liable to pay in respect of :-\ni) death of or bodily injury to any person so far as it is necessary to meet the requirements of Motor Vehicles Act.\nii) 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":"1","heading":null,"page":2,"url":"https://indiainsurances.com/policy/magma-general-insurance/third-party-long-term-two-wheeler-irdan149rp0002v01201415/document/12518#c-1"}],"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-applicable","value":null,"display":null,"note":"This is a liability-only third-party policy, so an insured declared value for theft or total loss of the insured two-wheeler does not apply.","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":"not-applicable","value":null,"display":null,"note":"This liability-only policy does not cover own-damage repair costs of the insured vehicle, so depreciation on replaced parts does not apply.","quote":null,"sources":[],"law":[]},{"key":"ncb","label":"No-claim bonus","section":"Cover","meaning":"Discount on own-damage premium for claim-free years (20% to 50%).","status":"not-applicable","value":null,"display":null,"note":"No-claim bonus is a discount on own-damage premium; this is a liability-only third-party policy.","quote":null,"sources":[],"law":[]},{"key":"compulsory_deductible","label":"Compulsory deductible","section":"Limits and co-pay","meaning":"Fixed amount you pay on every own-damage claim.","status":"not-applicable","value":null,"display":null,"note":"A compulsory deductible applies to own-damage claims; this liability-only policy does not provide own-damage cover.","quote":null,"sources":[],"law":[]},{"key":"deductible","label":"Voluntary deductible","section":"Limits and co-pay","meaning":"An extra amount per claim you choose to bear for a lower premium.","status":"not-applicable","value":null,"display":null,"note":"This is a liability-only third-party policy; a voluntary deductible for own-damage claims does not apply.","quote":null,"sources":[],"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":"Owner-driver personal accident cover pays compensation for bodily injury or death directly connected with the insured vehicle, subject to a total aggregate liability of Rs.15 Lakhs during any one period of insurance. The owner-driver must be the registered owner, named insured and hold an effective driving license.","display":"Owner-driver PA cover up to Rs.15 Lakhs; registered owner, named insured and effective licence required","note":null,"quote":"the Company undertakes to pay compensation as per the following scale for bodily injury/ death sustained by the owner-driver of the vehicle in direct connection with the vehicle insured ... the total liability of the Company shall not in the aggregate exceed the sum of Rs.15 Lakhs during any one period of insurance. ... a) the owner-driver is the registered owner of the vehicle insured herein;\nb) the owner-driver is the insured named in this Policy;\nc) the owner-driver holds an effective driving license","sources":[{"clause":"Section II","heading":"PERSONAL ACCIDENT COVER FOR OWNER-DRIVER","page":3,"url":"https://indiainsurances.com/policy/magma-general-insurance/third-party-long-term-two-wheeler-irdan149rp0002v01201415/document/12518#c-section-ii"}],"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":["Paid driver/conductor/cleaner employed in operation of vehicle.","Employees travelling in/driving the vehicle other than paid driver.","Non-fare paying passengers","Any Legal Liability arising out of the use of CNG-LPG bifuel kit"],"display":"Additional legal liabilities and CNG-LPG bifuel kit legal liability at extra cost","note":null,"quote":"Additional covers at extra cost ... • Paid driver/conductor/cleaner employed in operation of vehicle.\n• Employees travelling in/driving the vehicle other than paid driver.\n• Non-fare paying passengers ... Any Legal Liability arising out of the use of CNG-LPG bifuel kit","sources":[{"clause":null,"heading":"Additional covers at extra cost","page":2,"url":"https://indiainsurances.com/policy/magma-general-insurance/third-party-long-term-two-wheeler-irdan149rp0002v01201415/document/12460#c-additional-covers-at-extra-cost"},{"clause":"1","heading":"Additional Legal liabilities","page":2,"url":"https://indiainsurances.com/policy/magma-general-insurance/third-party-long-term-two-wheeler-irdan149rp0002v01201415/document/12460#c-1"},{"clause":"2","heading":"Bifuel-Kit","page":2,"url":"https://indiainsurances.com/policy/magma-general-insurance/third-party-long-term-two-wheeler-irdan149rp0002v01201415/document/12460#c-2"}],"law":[]},{"key":"cashless_garages","label":"Cashless garages","section":"Claims","meaning":"Whether repairs can be cashless at network garages.","status":"not-applicable","value":null,"display":null,"note":"Cashless garage repair is for own-damage repairs; this is a liability-only third-party policy.","quote":null,"sources":[],"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":["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","contractual liability","death arising out of and in the course of employment","death or bodily injury to any person being carried in or upon or entering or mounting or alighting from the motor vehicle","war, invasion, the act of foreign enemies, hostilities or warlike operations","nuclear weapons material","intentional self injury suicide or attempted suicide physical defect or infirmity","under the influence of intoxicating liquor or drugs"],"display":"Use outside limitations, driver clause breach, contractual liability, employment/passenger exceptions, war, nuclear weapons material, intentional self injury, and intoxicating liquor or drugs","note":null,"quote":"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 ... contractual liability ... death arising out of and in the course of employment ... death or bodily injury to any person (other than a passenger carried by reason of or in pursuance of a contract of employment) being carried in or upon or entering or mounting or alighting from the motor vehicle ... war, invasion, the act of foreign enemies, hostilities or warlike operations ... nuclear weapons material ... intentional self injury suicide or attempted suicide physical defect or infirmity ... under the influence of intoxicating liquor or drugs","sources":[{"clause":"1","heading":null,"page":3,"url":"https://indiainsurances.com/policy/magma-general-insurance/third-party-long-term-two-wheeler-irdan149rp0002v01201415/document/12518#c-1-2"},{"clause":"2","heading":null,"page":3,"url":"https://indiainsurances.com/policy/magma-general-insurance/third-party-long-term-two-wheeler-irdan149rp0002v01201415/document/12518#c-2-2"},{"clause":"3","heading":null,"page":3,"url":"https://indiainsurances.com/policy/magma-general-insurance/third-party-long-term-two-wheeler-irdan149rp0002v01201415/document/12518#c-3-2"},{"clause":"4","heading":null,"page":3,"url":"https://indiainsurances.com/policy/magma-general-insurance/third-party-long-term-two-wheeler-irdan149rp0002v01201415/document/12518#c-4-2"},{"clause":"5","heading":null,"page":3,"url":"https://indiainsurances.com/policy/magma-general-insurance/third-party-long-term-two-wheeler-irdan149rp0002v01201415/document/12518#c-5-2"},{"clause":"6","heading":null,"page":4,"url":"https://indiainsurances.com/policy/magma-general-insurance/third-party-long-term-two-wheeler-irdan149rp0002v01201415/document/12518#c-6"},{"clause":"Section II","heading":"PERSONAL ACCIDENT COVER FOR OWNER-DRIVER","page":3,"url":"https://indiainsurances.com/policy/magma-general-insurance/third-party-long-term-two-wheeler-irdan149rp0002v01201415/document/12518#c-section-ii"}],"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":"Third-party cover is on a legal liability indemnity basis, subject to the limits of liability in the Schedule and the Motor Vehicles Act wording. Owner-driver personal accident cover has an aggregate cap of Rs.15 Lakhs during any one period of insurance.","display":"Legal liability indemnity basis; owner-driver PA cap Rs.15 Lakhs","note":"The provided clauses do not state an IDV or market-value basis for the insured vehicle.","quote":"Subject to the limits of liability as laid down in the Schedule hereto the Company will indemnify the Insured in the event of an accident caused by or arising out of the use of the vehicle against all sums which the Insured shall become legally liable to pay ... the total liability of the Company shall not in the aggregate exceed the sum of Rs.15 Lakhs during any one period of insurance.","sources":[{"clause":"1","heading":null,"page":2,"url":"https://indiainsurances.com/policy/magma-general-insurance/third-party-long-term-two-wheeler-irdan149rp0002v01201415/document/12518#c-1"},{"clause":"Section II","heading":"PERSONAL ACCIDENT COVER FOR OWNER-DRIVER","page":3,"url":"https://indiainsurances.com/policy/magma-general-insurance/third-party-long-term-two-wheeler-irdan149rp0002v01201415/document/12518#c-section-ii"}],"law":[]}],"documents":[{"kind":"wording","label":"Policy Wordings – Third Party Long Term Two Wheeler","pages":18,"fetched_at":"2026-10-17 19:53:25+00","source_url":"https://www.magmainsurance.com/documents/5553002/0/Policy+Wordings+%E2%80%93+Third+Party+Long+Term+Two+Wheeler.pdf/02b5eaf1-fb1a-9f99-00d8-d256a56610e1?t=1791967684854","url":"https://indiainsurances.com/policy/magma-general-insurance/third-party-long-term-two-wheeler-irdan149rp0002v01201415/document/12518"},{"kind":"prospectus","label":"Prospectus - Third Party Long Term Two Wheeler","pages":4,"fetched_at":"2026-10-17 19:51:47+00","source_url":"https://www.magmainsurance.com/documents/5553002/0/Prospectus-+Third+Party+Long+Term+Two+Wheeler.pdf/77b062c5-12bb-a53c-3c4f-921266423c08?t=1789044267915","url":"https://indiainsurances.com/policy/magma-general-insurance/third-party-long-term-two-wheeler-irdan149rp0002v01201415/document/12460"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Magma General Insurance official website","url":"https://www.magmainsurance.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":"Claims","url":"https://www.magmainsurance.com/web/magmainsurance/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.magmainsurance.com/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":"Renewal","url":"https://www.magmainsurance.com/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":"Third Party Long Term Two Wheeler (UIN IRDAN149RP0002V01201415), IndiaInsurances, https://indiainsurances.com/policy/magma-general-insurance/third-party-long-term-two-wheeler-irdan149rp0002v01201415"}