{"uin":"IRDAN149RP0014V01201213","name":"Motor Trade Package","url":"https://indiainsurances.com/policy/magma-general-insurance/motor-trade-package-irdan149rp0014v01201213","insurer":{"slug":"magma-general-insurance","name":"Magma General Insurance Limited","url":"https://indiainsurances.com/insurer/magma-general-insurance"},"line":"general","category":"motor-commercial","category_name":"Commercial vehicle insurance","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Motor Trade Package Policy covers loss or damage to the insured vehicle and third-party liability. The sum insured is the IDV, and the claim decision time stated is within seven days of receipt of the survey report or after fifteen days from allocation to the surveyor, whichever is earlier.","analysis":{"state":"machine","analysed_at":"2026-10-20 05:32:24.903935+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":null,"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 of accidental loss or damage and any claim must be given in writing to the company immediately. Theft or other criminal acts must also be reported immediately to the Police.","display":"Immediately on accidental loss or damage; immediate Police notice for theft or other criminal act","note":null,"quote":"Notice shall be given in writing to the company immediately upon the occurrence of any accidental loss or damage and in the event of any claim ... In case of theft or other 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":null,"page":6,"url":"https://indiainsurances.com/policy/magma-general-insurance/motor-trade-package-irdan149rp0014v01201213/document/12524#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":["all such information and assistance as the Company shall require","Every letter claim writ summons and/or process","Insured’s details","Policy Number","Loss details","Contact details for communication","Completed & Signed claim form along with supporting documents"],"display":"Information and assistance required by the company, legal notices/processes, insured and policy details, loss details, contact details, and completed signed claim form with supporting documents","note":null,"quote":"the insured shall give all such information and assistance as the Company shall require. Every letter claim writ summons and/or process shall be forwarded to the Company immediately on receipt by the insured. ... ➢ 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","sources":[{"clause":"1","heading":null,"page":6,"url":"https://indiainsurances.com/policy/magma-general-insurance/motor-trade-package-irdan149rp0014v01201213/document/12524#c-1-3"},{"clause":null,"heading":"Minimum information required","page":4,"url":"https://indiainsurances.com/policy/magma-general-insurance/motor-trade-package-irdan149rp0014v01201213/document/12466#c-minimum-information-required"}],"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 seven days of survey report or after fifteen days from allocation to surveyor, 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 in accordance with relevant regulatory provisions as amended from time to time.","sources":[{"clause":"9(II)(b)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/magma-general-insurance/motor-trade-package-irdan149rp0014v01201213/document/12524#c-9-ii-b"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["consequential loss, depreciation, wear and tear, mechanical or electrical breakdown","damage to tyres and tubes unless the vehicle insured is damaged at the same time","under the influence of intoxicating liquor or drugs","outside the geographical area","any claim arising out of any contractual liability","being used otherwise than in accordance with the ‘Limitations as to Use’","ionising radiations or contamination by radioactivity","nuclear weapons material","war, invasion, the act of foreign enemies, hostilities or war like operations"],"display":"Main exclusions include wear and tear/mechanical or electrical breakdown, tyre and tube limits, intoxication, outside geographical area, contractual liability, use outside limitations, nuclear/radioactivity, nuclear weapons material, and war risks","note":null,"quote":"consequential loss, depreciation, wear and tear, mechanical or electrical breakdown, failures or breakage’s ... damage to tyres and tubes unless the vehicle insured is damaged at the same time ... under the influence of intoxicating liquor or drugs ... outside the geographical area ... any claim arising out of any contractual liability ... being used otherwise than in accordance with the ‘Limitations as to Use’ ... ionising radiations or contamination by radioactivity ... nuclear weapons material ... war, invasion, the act of foreign enemies, hostilities or war like operations","sources":[{"clause":"1(a)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/magma-general-insurance/motor-trade-package-irdan149rp0014v01201213/document/12524#c-1-a"},{"clause":"1(b)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/magma-general-insurance/motor-trade-package-irdan149rp0014v01201213/document/12524#c-1-b"},{"clause":"1(c)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/magma-general-insurance/motor-trade-package-irdan149rp0014v01201213/document/12524#c-1-c"},{"clause":"Section III(c)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/magma-general-insurance/motor-trade-package-irdan149rp0014v01201213/document/12524#c-section-iii-c"},{"clause":"Section III(a)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/magma-general-insurance/motor-trade-package-irdan149rp0014v01201213/document/12524#c-section-iii-a-2"},{"clause":"Section III(b)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/magma-general-insurance/motor-trade-package-irdan149rp0014v01201213/document/12524#c-section-iii-b-2"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"First contact the company through its website, toll-free number, email, branch GRO, courier, or branch grievance cell. If not satisfied, contact the Grievance Officer at Magma General Insurance Ltd. by email at gro@ magmainsurance.com before using IRDAI Bima Bharosa or the Insurance Ombudsman.","display":"Step 1: contact Magma through website, 1800 266 3202, customercare@magmainsurance.com, Branch GRO, courier or branch grievance cell; Step 2: Grievance Officer at gro@ magmainsurance.com","note":null,"quote":"Step 1:\nIn case of any grievance, the Insured Person may contact the Company through any of the following channels:\nWebsite: www.magmainsurance.com Toll Free Number: 1800 266 3202 Email: customercare@magmainsurance.com The customer may also reach out to the Branch Grievance Redressal Officer (GRO) Email address: customercare@ magmainsurance.com Courier: Any of our branch offices or corporate office during business hours Insured Person may also approach the grievance cell at any of the company’s branches with the details of grievance.\nStep 2:\nIf the Insured Person is not satisfied with the grievance redressal through the above channels, they may contact the Grievance Officer at: Magma General Insurance Ltd. Equinox Business Park, Tower 3, Ambedkar Nagar, 2nd Floor, Unit No. 1B and 2B, LBS Marg, Kurla (West), Mumbai – 400070, Maharashtra, India. Email: gro@ magmainsurance.com","sources":[{"clause":"9(II)(b)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/magma-general-insurance/motor-trade-package-irdan149rp0014v01201213/document/12524#c-9-ii-b"}],"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":["loss or damage to the vehicle insured hereunder and/or its accessories","fire explosion self ignition or lightning","burglary housebreaking or theft","riot and strike","earthquake (fire and shock damage)","flood typhoon hurricane storm tempest inundation cyclone hailstorm frost","accidental external means","malicious act","terrorist activity","whilst in transit by road","landslide/rockslide","death of or bodily injury to any person","damage to property"],"display":"Own damage perils including fire, theft, riot, earthquake, flood/storm, accidental external means, malicious act, terrorism, transit by road and landslide/rockslide, plus third-party death, bodily injury and property damage liability","note":null,"quote":"The Company will indemnify the insured against loss or damage to the vehicle insured hereunder and/or its accessories whilst thereon. ... i) by fire explosion self ignition or lightning; ... ii) by burglary housebreaking or theft; ... iii) by riot and strike; ... iv) by earthquake (fire and shock damage); ... v) by flood typhoon hurricane storm tempest inundation cyclone hailstorm frost; ... vi) by accidental external means; ... vii) by malicious act; ... viii) by terrorist activity ; ... ix) whilst in transit by road; ... x) by landslide/rockslide. ... i) death of or bodily injury to any person caused by or arising out of the use (including the loading and/ or unloading) of the vehicle. ... ii) damage to property caused by the use (including the loading and/or unloading) of the vehicle.","sources":[{"clause":"1","heading":null,"page":2,"url":"https://indiainsurances.com/policy/magma-general-insurance/motor-trade-package-irdan149rp0014v01201213/document/12524#c-1"},{"clause":"1(i)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/magma-general-insurance/motor-trade-package-irdan149rp0014v01201213/document/12524#c-1-i"},{"clause":"1(ii)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/magma-general-insurance/motor-trade-package-irdan149rp0014v01201213/document/12524#c-1-ii"},{"clause":"1(iii)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/magma-general-insurance/motor-trade-package-irdan149rp0014v01201213/document/12524#c-1-iii"},{"clause":"1(iv)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/magma-general-insurance/motor-trade-package-irdan149rp0014v01201213/document/12524#c-1-iv"},{"clause":"1(v)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/magma-general-insurance/motor-trade-package-irdan149rp0014v01201213/document/12524#c-1-v"},{"clause":"1(vi)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/magma-general-insurance/motor-trade-package-irdan149rp0014v01201213/document/12524#c-1-vi"},{"clause":"1(vii)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/magma-general-insurance/motor-trade-package-irdan149rp0014v01201213/document/12524#c-1-vii"},{"clause":"1(viii)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/magma-general-insurance/motor-trade-package-irdan149rp0014v01201213/document/12524#c-1-viii"},{"clause":"1(ix)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/magma-general-insurance/motor-trade-package-irdan149rp0014v01201213/document/12524#c-1-ix"},{"clause":"1(x)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/magma-general-insurance/motor-trade-package-irdan149rp0014v01201213/document/12524#c-1-x"},{"clause":"1(i)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/magma-general-insurance/motor-trade-package-irdan149rp0014v01201213/document/12524#c-1-i-2"},{"clause":"1(ii)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/magma-general-insurance/motor-trade-package-irdan149rp0014v01201213/document/12524#c-1-ii-2"}],"law":[]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"The insured can cancel the policy at any time during the policy period by informing the insurer, and the insurer will refund proportionate premium for the unexpired policy period. Cancellation is allowed only after ensuring that the vehicle is insured elsewhere at least for Liability Only cover.","display":"Proportionate premium for unexpired policy period, after ensuring Liability Only cover elsewhere","note":null,"quote":"The insured can cancel the policy at any time during the policy period by informing the insurer, in this case, the insurer shall refund proportionate premium for unexpired policy period.\n• A policy can be cancelled only after ensuring that the vehicle is insured elsewhere, at least for Liability Only cover as the tenure specified by the prevailing regulation.","sources":[{"clause":"6","heading":"Cancellation","page":7,"url":"https://indiainsurances.com/policy/magma-general-insurance/motor-trade-package-irdan149rp0014v01201213/document/12524#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":"quote-verified","value":"For IMT.41 Motor Trade Policy - Class ‘F’ - Road Risk only, the geographical area is India under Section II and within a radius of 80 or 120 kilometres from the insured’s address under all other sections, as opted and premium paid.","display":"Section II: INDIA; all other Sections: within 80 or 120 kilometres from insured’s address","note":"This is stated for IMT.41 Motor Trade Policy - Class ‘F’ - Road Risk only; the base geographical area otherwise refers to the schedule.","quote":"IMT.41 Motor Trade Policy - Class ‘F’ - Road Risk only It is hereby declared and agreed that notwithstanding anything contained herein to the contrary that in respect of any new vehicle and/or chassis bearing a Trade Certificate Number specified in the Schedule of the policy, the Geographical Area for the purpose of this Policy shall be as defined hereunder and not as stated in the Schedule hereto.\nGeographical Area Under Section II - (i) —— INDIA Under all other Sections - Within a radius of .......* kilometers from the insured’s address as stated in the Schedule hereto. Subject otherwise to the terms conditions limitations and exceptions of this Policy.\n* to insert ‘80’ or ‘120’ as opted for by insured and premium paid accordingly.","sources":[{"clause":"9(II)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/magma-general-insurance/motor-trade-package-irdan149rp0014v01201213/document/12524#c-9-ii"}],"law":[]},{"key":"cover_types","label":"Cover types","section":"Cover","meaning":"Comprehensive, standalone own damage, third-party only.","status":"quote-verified","value":["Package Policy"],"display":"Package Policy","note":"The wording contains Section I loss/damage and Section II third-party liability.","quote":"MOTOR TRADE PACKAGE POLICY","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/magma-general-insurance/motor-trade-package-irdan149rp0014v01201213/document/12524#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, subject to the limits in the schedule, against legal liability for death of or bodily injury to any person and damage to property caused by use of the vehicle.","display":"Legal liability for death or bodily injury to any person and damage to property, subject to schedule limits","note":"The wording does not print an unlimited death or bodily injury limit; it refers to limits in the Schedule.","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 including claimant’s costs and expenses which the insured shall become legally liable to pay in respect of: ... i) death of or bodily injury to any person caused by or arising out of the use (including the loading and/ or unloading) of the vehicle. ... ii) damage to property caused by the use (including the loading and/or unloading) of the vehicle.","sources":[{"clause":"1","heading":null,"page":4,"url":"https://indiainsurances.com/policy/magma-general-insurance/motor-trade-package-irdan149rp0014v01201213/document/12524#c-1-2"},{"clause":"1(i)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/magma-general-insurance/motor-trade-package-irdan149rp0014v01201213/document/12524#c-1-i-2"},{"clause":"1(ii)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/magma-general-insurance/motor-trade-package-irdan149rp0014v01201213/document/12524#c-1-ii-2"}],"law":[{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch V, I, Paras 1 to 4","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch V, I, Para 7","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 146","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 147","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 150","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 157","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 164","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 161","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 166(3)","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 162","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"idv","label":"Insured declared value (IDV)","section":"Cover","meaning":"The vehicle's insured value: maximum paid for theft or total loss.","status":"quote-verified","value":"The Insured’s Declared Value (IDV) is deemed to be the sum insured, fixed at the commencement of each policy period based on the manufacturer’s listed selling price adjusted for depreciation. For total loss or constructive total loss, the insurer’s liability shall not exceed the IDV in the schedule less the wreck value.","display":"IDV is the sum insured; fixed at commencement from manufacturer’s listed selling price adjusted for depreciation; TL/CTL liability not above IDV less wreck value","note":null,"quote":"The Insured’s Declared Value (IDV) of the vehicle will be deemed to be the ‘SUM INSURED’ for the purpose of this tariff and it will be fixed at the commencement of each policy period for each insured vehicle. The IDV of the vehicle is to be fixed on the basis of manufacturers’ listed selling price of the brand and model as the vehicle proposed for insurance at the commencement of insurance /renewal, and adjusted for depreciation ... It is clearly understood that the liability of the insurer shall in no case exceed the IDV as specified in the policy schedule less the value of the wreck, in ‘as is where is’ condition.","sources":[{"clause":"1(c)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/magma-general-insurance/motor-trade-package-irdan149rp0014v01201213/document/12524#c-1-c"},{"clause":"Schedule OF","heading":"DEPRECIATION FOR ARRIVING AT IDV","page":3,"url":"https://indiainsurances.com/policy/magma-general-insurance/motor-trade-package-irdan149rp0014v01201213/document/12524#c-schedule-of"}],"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 parts replaced, depreciation is 50% for rubber/nylon/plastic parts, tyres and tubes, batteries and air bags; 30% for fibre glass components; Nil for glass; and for other parts Nil up to 6 months, 5% over 6 months to 1 year, 10% over 1 to 2 years, 15% over 2 to 3 years, 25% over 3 to 4 years, 35% over 4 to 5 years, 40% over 5 to 10 years, and 50% over 10 years.","display":"Parts depreciation: 50% rubber/nylon/plastic, tyres/tubes, batteries, air bags; 30% fibre glass; Nil glass; other parts Nil to 50% by vehicle age","note":null,"quote":"Subject to a deduction for depreciation at the rates mentioned below in respect of parts replaced:\n1. For all rubber/ nylon / plastic parts, tyres and tubes, batteries and air bags - 50%\n2. For fibre glass components - 30%\n3. For all parts made of glass - Nil\n4. Rate of depreciation for all other parts including wooden parts will be as per the following schedule.\nAGE OF VEHICLE | % OF DEPRECIATION\nNot exceeding 6 months | Nil\nExceeding 6 months but not exceeding 1 year | 5%\nExceeding 1 year but not exceeding 2 years | 10%\nExceeding 2 years but not exceeding 3 years | 15%\nExceeding 3 years but not exceeding 4 years | 25%\nExceeding 4 years but not exceeding 5 years | 35%\nExceeding 5 years but not exceeding 10 years | 40%\nExceeding 10 years | 50%","sources":[{"clause":"1(x)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/magma-general-insurance/motor-trade-package-irdan149rp0014v01201213/document/12524#c-1-x"}],"law":[]},{"key":"ncb","label":"No-claim bonus","section":"Cover","meaning":"Discount on own-damage premium for claim-free years (20% to 50%).","status":"not-stated","value":null,"display":null,"note":null,"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-stated","value":null,"display":null,"note":"The wording says the company is not liable for the deductible stated in the schedule, but no fixed compulsory deductible amount is printed.","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-stated","value":null,"display":null,"note":"The wording refers to a deductible stated in the schedule, but does not print a voluntary deductible option or amount.","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":"The wording refers to Personal Accident Cover for the owner-driver granted under the policy, but does not print the cover amount or benefit table for the owner-driver.","display":"Personal Accident Cover for the owner-driver is referred to as granted; amount not stated","note":null,"quote":"It is further declared and agreed that for the purpose of the Personal Accident Cover for the owner-driver granted under this policy, the insured named in the policy will continue to be deemed as the owner-driver subject to compliance of provisions of the policy relating to this cover.","sources":[{"clause":"9","heading":null,"page":7,"url":"https://indiainsurances.com/policy/magma-general-insurance/motor-trade-package-irdan149rp0014v01201213/document/12524#c-9"}],"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":["Demonstration - Driving Extension","Deletion of 50% Limitation clause in respect of damage to tyres","Private use of vehicle by Member/Director/Employee of the insured"],"display":"Demonstration - Driving Extension; Deletion of 50% Limitation clause for tyres; Private use by Member/Director/Employee","note":"These are optional motor trade endorsements at additional premium.","quote":"IMT.60. Demonstration - Driving Extension (Applicable to Motor Trade Policies Only) In consideration of the payment of an additional premium ... IMT.62. Deletion of 50% Limitation clause in respect of damage to tyres (Applicable to Motor Trade Road Transit Risks Policies only) In consideration of the payment of an additional premium ... IMT.59. Private use of vehicle by Member/Director/Employee of the insured (Motor Trade only) In consideration of the payment of an additional premium","sources":[{"clause":"9(II)(b)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/magma-general-insurance/motor-trade-package-irdan149rp0014v01201213/document/12524#c-9-ii-b"}],"law":[]},{"key":"cashless_garages","label":"Cashless garages","section":"Claims","meaning":"Whether repairs can be cashless at network garages.","status":"not-stated","value":null,"display":null,"note":null,"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":["Sustained or incurred outside the geographical area","Arising out of Contractual Liability","Mechanical/ electrical breakdown","Vehicle being used otherwise than in accordance with limitations as to use","Damage to / by a person driving the vehicle without a valid license","Damage to / by a person driving the vehicle under the influence of drugs or liquor","Loss / damage due to war, mutiny or nuclear risk","consequential loss, depreciation, wear and tear","damage to tyres and tubes unless the vehicle insured is damaged at the same time"],"display":"Main motor exclusions include outside geographical area, contractual liability, mechanical/electrical breakdown, use outside limitations, no valid licence, intoxication, war/mutiny/nuclear risk, consequential loss and wear and tear, and tyre/tube damage unless the vehicle is damaged at the same time","note":"The valid licence wording is taken from the prospectus; the policy wording also excludes use outside limitations and being driven by a person other than a driver.","quote":"Any loss/damage to the vehicle and/or its accessories will be not be covered if caused by the following:-\n• Sustained or incurred outside the geographical area\n• Arising out of Contractual Liability\n• Mechanical/ electrical breakdown\n• Vehicle being used otherwise than in accordance with limitations as to use\n• Damage to / by a person driving the vehicle without a valid license\n• Damage to / by a person driving the vehicle under the influence of drugs or liquor\n• Loss / damage due to war, mutiny or nuclear risk ... consequential loss, depreciation, wear and tear ... damage to tyres and tubes unless the vehicle insured is damaged at the same time","sources":[{"clause":null,"heading":"Exclusions","page":3,"url":"https://indiainsurances.com/policy/magma-general-insurance/motor-trade-package-irdan149rp0014v01201213/document/12466#c-exclusions"},{"clause":"1(a)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/magma-general-insurance/motor-trade-package-irdan149rp0014v01201213/document/12524#c-1-a"},{"clause":"1(b)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/magma-general-insurance/motor-trade-package-irdan149rp0014v01201213/document/12524#c-1-b"}],"law":[]},{"key":"sum_insured_basis","label":"Sum insured basis","section":"Cover","meaning":"How the cover amount is set: market value, reinstatement value, agreed value, IDV.","status":"quote-verified","value":"The cover amount is the Insured’s Declared Value (IDV), fixed at the commencement of each policy period on the basis of the manufacturer’s listed selling price for the brand and model, adjusted for depreciation. IDV is treated as market value during the policy period for TL/CTL claims.","display":"IDV basis: manufacturer’s listed selling price adjusted for depreciation; treated as market value for TL/CTL","note":null,"quote":"The Insured’s Declared Value (IDV) of the vehicle will be deemed to be the ‘SUM INSURED’ for the purpose of this tariff and it will be fixed at the commencement of each policy period for each insured vehicle. The IDV of the vehicle is to be fixed on the basis of manufacturers’ listed selling price of the brand and model as the vehicle proposed for insurance at the commencement of insurance /renewal, and adjusted for depreciation ... IDV shall be treated as the ‘Market Value’ throughout the policy period without any further depreciation for the purpose of Total Loss (TL)/ Constructive Total Loss (CTL) claims.","sources":[{"clause":"1(c)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/magma-general-insurance/motor-trade-package-irdan149rp0014v01201213/document/12524#c-1-c"},{"clause":"Schedule OF","heading":"DEPRECIATION FOR ARRIVING AT IDV","page":3,"url":"https://indiainsurances.com/policy/magma-general-insurance/motor-trade-package-irdan149rp0014v01201213/document/12524#c-schedule-of"}],"law":[]}],"documents":[{"kind":"wording","label":"Policy Wordings – Motor Trade Package","pages":19,"fetched_at":"2026-10-17 19:53:35+00","source_url":"https://www.magmainsurance.com/documents/5553002/0/Policy+Wordings+%E2%80%93+Motor+Trade+Package.pdf/01d5d4f5-84f9-a1a3-beda-1c3cfbe06da9?t=1791966109063","url":"https://indiainsurances.com/policy/magma-general-insurance/motor-trade-package-irdan149rp0014v01201213/document/12524"},{"kind":"prospectus","label":"Prospectus - Motor Trade Package Policy","pages":5,"fetched_at":"2026-10-17 19:51:58+00","source_url":"https://www.magmainsurance.com/documents/5553002/0/Prospectus-+Motor+Trade+Package+Policy.pdf/ab98dabb-d1e6-1ab2-fada-6c14450b7209?t=1789044269337","url":"https://indiainsurances.com/policy/magma-general-insurance/motor-trade-package-irdan149rp0014v01201213/document/12466"}],"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":"Motor Trade Package (UIN IRDAN149RP0014V01201213), IndiaInsurances, https://indiainsurances.com/policy/magma-general-insurance/motor-trade-package-irdan149rp0014v01201213"}