{"uin":"IRDAN150RP0034V01201213","name":"Motor Liability Only Policy","url":"https://indiainsurances.com/policy/liberty-general-insurance/motor-liability-only-policy-irdan150rp0034v01201213","insurer":{"slug":"liberty-general-insurance","name":"Liberty General Insurance Limited","url":"https://indiainsurances.com/insurer/liberty-general-insurance"},"line":"general","category":"motor-car","category_name":"Car insurance","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Motor Liability policy Only is an indemnity policy for third party liability arising out of the insured vehicle. It covers legal liability for third-party death, bodily injury and property damage, with personal accident cover for the owner-driver up to Rs. 15 lakhs.","analysis":{"state":"machine","analysed_at":"2026-10-20 05:29:09.709262+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 must be given in writing to the Company immediately upon the occurrence of any accident, loss or damage and in the event of any claim. Letters, claims, writs, summons and processes must be forwarded immediately on receipt.","display":"Immediately upon the occurrence of any accident, loss or damage; claim papers immediately on receipt","note":null,"quote":"Notice shall be given in writing to the Company immediately upon the occurrence of any accident or loss or damage and in the event of any claim and thereafter the insured shall give all such information and assistance as the\nAdmissibility of Claim | Company shall require. Every letter claim writ summons and/or process or copy thereof shall be forwarded to the\nCompany immediately on receipt by the insured.","sources":[{"clause":"1","heading":null,"page":2,"url":"https://indiainsurances.com/policy/liberty-general-insurance/motor-liability-only-policy-irdan150rp0034v01201213/document/11531#c-1"}],"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":["Motor Claim Form","Copy of Registration Certificate","Copy of Driving License","Copy Estimate and invoice","FIR in case of TP Injury/Death Case","additional documents/ information depending upon the nature and type of loss"],"display":"Motor Claim Form, Copy of Registration Certificate, Copy of Driving License, Copy Estimate and invoice, FIR in case of TP Injury/Death Case; additional documents may be called for depending on the loss","note":null,"quote":"The following basic minimum Claim documents ae to be submitted by the insured · Motor Claim Form · Copy of Registration Certificate · Copy of Driving License\n- Copy Estimate and invoice · FIR in case of TP Injury/Death Case we or our surveyors may call for any additional documents/ information depending upon the nature and type of loss.","sources":[{"clause":"7(c)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/liberty-general-insurance/motor-liability-only-policy-irdan150rp0034v01201213/document/11531#c-7-c"}],"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":"Surveyor appointment is within 24 hours from claim registration, survey report submission is 15 days from the date of appointment of surveyor, and settlement or rejection is 7 days after receiving the last document.","display":"Settlement/rejection: 7 days after receiving last document; surveyor within 24 hours and survey report in 15 days","note":null,"quote":"Surveyor appointment shall be within 24 hours from claim registration. ... Turnaround Time (TAT) for claim settlement\n1. Time limit for appointment of surveyors - 24 hours from claim registration\n2. Submission of survey report - 15 days from the date of appointment of surveyor\n3. Settlement/rejection of Claim -7 days after receiving last document","sources":[{"clause":"7(c)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/liberty-general-insurance/motor-liability-only-policy-irdan150rp0034v01201213/document/11531#c-7-c"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["any accidental loss damage and/or liability caused sustained or incurred outside the Geographical Area","any claim arising out of any contractual liability","being used otherwise than in accordance with the Limitations as to Use","being driven by or is for the purpose of being driven by him/her in the charge of any person other than a Driver as stated in the Driver's clause","ionising radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste","nuclear weapons material","war, invasion, the act of foreign enemies, hostilities or warlike operations","drunken driving"],"display":"Outside the Geographical Area; contractual liability; use contrary to limitations; driver not as stated; ionising radiation/radioactivity; nuclear weapons material; war and similar perils; drunken driving","note":null,"quote":"any accidental loss damage and/or liability caused sustained or incurred outside the Geographical Area. ... any claim arising out of any contractual liability. ... 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. ... ionising radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste ... any accidental loss or damage or liability directly or indirectly caused by or contributed to by or arising from nuclear weapons material ... war, invasion, the act of foreign enemies, hostilities or warlike operations ... drunken driving","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/liberty-general-insurance/motor-liability-only-policy-irdan150rp0034v01201213/document/11531#c-s1"},{"clause":"2","heading":null,"page":2,"url":"https://indiainsurances.com/policy/liberty-general-insurance/motor-liability-only-policy-irdan150rp0034v01201213/document/11529#c-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 Liberty General Insurance customer service by toll-free number, email or writing to Customer Service; the Grievance Redressal Officer is Sameer Malgundkar at gro@libertyinsurance.in. If not satisfied, the insured may approach the Insurance Ombudsman.","display":"Customer Service first; Grievance Redressal Officer: Sameer Malgundkar, gro@libertyinsurance.in; then Insurance Ombudsman if not satisfied","note":null,"quote":"Call us on Toll free number: 1800- 266-5844 (8:00 AM to 8:00 PM, 7 days of the week) or Email us at: care@libertyinsurance.in or Write to us at: Customer Service Liberty General Insurance Limited Unit 1501 & 1502, 15th Floor, Tower 2, One International Center, Senapati Bapat Marg, Prabhadevi, Mumbai – 400013 Maharashtra.\nGrievance Redressal and | For Details of Protection of Policyholders Interest kindly refer to the below link :\nPolicyholders Protection | www.libertyinsurance.in/customer-support/grievance-redressal.html\nDetails of GRO :\nGrievance Redressal Officer : Sameer Malgundkar Email ID : gro@libertyinsurance.in ... If the insured is not satisfied with the redressal of grievance through above methods, the insured person may also approach the office of Insurance Ombudsman","sources":[{"clause":"7(c)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/liberty-general-insurance/motor-liability-only-policy-irdan150rp0034v01201213/document/11531#c-7-c"}],"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":["Insured's legal liability, as per Motor Vehicles Act, arising out of accident caused by or arising out of the use of the vehicle anywhere in India","injury (fatal or non fatal) to any third party","damage to any third party property","claimant's cost","costs and expenses incurred with the Company's written consent","bodily injury/ death sustained by the Insured"],"display":"Legal liability from vehicle accidents anywhere in India, third-party fatal/non-fatal injury, third-party property damage, claimant costs, consented costs and expenses, and owner-driver bodily injury/death","note":null,"quote":"Insured's legal liability, as per Motor Vehicles Act, arising out of accident caused by or\narising out of the use of the vehicle anywhere in India. ... Such liability as above in respect of injury (fatal or non fatal) to any third party and damage to any third party property. ... Loss or damage to third party property; liability for claimant's cost is also met.\n3. All costs and expenses incurred with the Company's written consent ... bodily injury/ death sustained by 6\nPolicy Coverage | the Insured","sources":[{"clause":"1","heading":"Insured's legal liability, as per Motor Vehicles Act, arising out of accident caused by or","page":2,"url":"https://indiainsurances.com/policy/liberty-general-insurance/motor-liability-only-policy-irdan150rp0034v01201213/document/11529#c-1"},{"clause":"2","heading":null,"page":2,"url":"https://indiainsurances.com/policy/liberty-general-insurance/motor-liability-only-policy-irdan150rp0034v01201213/document/11529#c-2"},{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/liberty-general-insurance/motor-liability-only-policy-irdan150rp0034v01201213/document/11531#c-s1"}],"law":[]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"conflicting","value":"The insured may request cancellation at any time during the policy term without giving a reason, but motor third party liability or other compulsory insurance can only be cancelled for double insurance, total loss or constructive total loss of the insured vehicle. The refund is proportion premium for the unexpired period, subject to no claim, with minimum premium of Rs.100/- retained, or Rs.25/- for specified modified vehicles.","display":"Proportion premium for the unexpired policy period, subject to no claim; motor third-party liability can only be cancelled for double insurance, total loss or constructive total loss; minimum premium Rs.100/- or Rs.25/- retained","note":"CIS says cancellation by the insured is 'on seven days’ notice' and gives 'a return of premium less premium at the Company's Short Period rates for the period the Policy has been in force.'","quote":"The Insured may request the Company for cancellation of the policy at any time during the Policy term without giving any reason for cancellation. ... Motor Third Party Liability cover or any other compulsory insurance mandated by law Can only be cancelled in case of double insurance or Total loss or Constructive Total Loss of Insured Vehicle. ... refund proportion premium for unexpired policy period subject to no claim reported during the policy period. ii) refund premium for the unexpired policy period, in respect of policy with the term more than one year and the risk coverage for such policy years has not commenced. iii) refund premium by retaining the minimum premium of Rs.100/- (or Rs.25/- in respect of vehicles specifically designed/modified for use by blind / handicapped / mentally challenged persons).","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/liberty-general-insurance/motor-liability-only-policy-irdan150rp0034v01201213/document/11535#c-s1"},{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/liberty-general-insurance/motor-liability-only-policy-irdan150rp0034v01201213/document/11531#c-s1"}],"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":"The policy covers liability arising out of use of the vehicle anywhere in India.","display":"Anywhere in India","note":null,"quote":"arising out of the use of the vehicle anywhere in India.","sources":[{"clause":"1","heading":"Insured's legal liability, as per Motor Vehicles Act, arising out of accident caused by or","page":2,"url":"https://indiainsurances.com/policy/liberty-general-insurance/motor-liability-only-policy-irdan150rp0034v01201213/document/11529#c-1"}],"law":[]},{"key":"cover_types","label":"Cover types","section":"Cover","meaning":"Comprehensive, standalone own damage, third-party only.","status":"quote-verified","value":["third-party only"],"display":"Third-party only (liability only)","note":null,"quote":"Product Name | Motor Liability policy Only ... Interests Insured | Interest of Insured is third party liablity arising out of insured vehicle","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/liberty-general-insurance/motor-liability-only-policy-irdan150rp0034v01201213/document/11531#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 Company indemnifies the insured for legal liability in an accident arising out of use of the vehicle for death of or bodily injury to any person and damage to property, including claimant's cost and expenses, subject to limits of liability in the Schedule.","display":"Legal liability for third-party death or bodily injury and property damage, including claimant's cost and expenses, subject to the Schedule limits","note":"The documents provided do not print an unlimited limit for death or bodily injury.","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 cost 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":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/liberty-general-insurance/motor-liability-only-policy-irdan150rp0034v01201213/document/11531#c-s1"}],"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":"IDV is the basis for own-damage theft or total-loss cover; this product is liability-only.","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":"Depreciation on replaced parts applies to own-damage repairs; this product is liability-only.","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 product is liability-only.","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":"quote-verified","value":"NA for the own-damage deductible; the CIS shows Deductible : INR /-.","display":"NA; Deductible : INR /-","note":"The deductible line refers to the Own Damage section, while this product is liability-only.","quote":"Compulsary deductible will be applied in each and every claim intimated under Own Damage section of the policy. NA Deductible : INR /- Deductible : INR /-","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/liberty-general-insurance/motor-liability-only-policy-irdan150rp0034v01201213/document/11531#c-s1"}],"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":"Voluntary deductible is an own-damage claim feature; this is a motor liability-only policy.","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 owner-driver personal accident cover pays compensation for bodily injury or death sustained by the insured in direct connection with the vehicle, with total liability not exceeding Rs. 15 lakhs in the aggregate during any one period of insurance. The scale shown is 100% for death, 100% for loss of two limbs or sight of two eyes or one limb and sight of one eye, 50% for loss of one limb or sight of one eye, and 100% for permanent total disablement from injuries other than named above.","display":"Owner-driver PA up to Rs. 15 lakhs; 100% death, 100% specified two-limb/two-eye losses, 50% one limb or one eye, 100% other permanent total disablement","note":null,"quote":"Compensation shall be payable under only one of the items (i) to (iv) above in\nrespect of the owner-driver arising out of any one occurrence and the total liability of the insurer shall not in the aggregate exceed the sum of Rs. 15 lakhs during any one period of insurance. ... Nature of Injury | Scale of Compensation\nSection III\n(i) Death | 100%\n(ii) Loss of two limbs or sight of two eyes or one limb and sight of one eye | 100%\n(iii) Loss of one limb or sight of one eye | 50%\n(iv) permanent total disablement from injuries other than named above | 100%","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/liberty-general-insurance/motor-liability-only-policy-irdan150rp0034v01201213/document/11535#c-s1"},{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/liberty-general-insurance/motor-liability-only-policy-irdan150rp0034v01201213/document/11531#c-s1"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"cashless_garages","label":"Cashless garages","section":"Claims","meaning":"Whether repairs can be cashless at network garages.","status":"quote-verified","value":"Cashless service is available through cashless workshops; the insured may call customer care or visit the company website to know the list of cashless workshops.","display":"Yes, cashless workshops; call 1800-266-5844 or visit www.libertyinsurance.in for the list","note":null,"quote":"For Cashless Service: You may call to our Customer care number@1800-266-5844 or may visit to our Company website www.libertyinsurance.in to know the list of cashless workshops.","sources":[{"clause":"7(c)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/liberty-general-insurance/motor-liability-only-policy-irdan150rp0034v01201213/document/11531#c-7-c"}],"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":["outside the Geographical Area","contractual liability","being used otherwise than in accordance with the Limitations as to Use","being driven by or is for the purpose of being driven by him/her in the charge of any person other than a Driver as stated in the Driver's clause","ionising radiations or contamination by radioactivity","nuclear weapons material","war, invasion, the act of foreign enemies, hostilities or warlike operations","drunken driving"],"display":"Outside geographical area, contractual liability, use contrary to limitations, driver not as stated, ionising radiation/radioactivity, nuclear weapons material, war and similar perils, drunken driving","note":null,"quote":"outside the Geographical Area. ... contractual liability. ... being used otherwise than in accordance with the Limitations as to Use ... being driven by or is for the purpose of being driven by him/her in the charge of any person other than a Driver as stated in the Driver's clause. ... ionising radiations or contamination by radioactivity ... nuclear weapons material ... war, invasion, the act of foreign enemies, hostilities or warlike operations ... drunken driving","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/liberty-general-insurance/motor-liability-only-policy-irdan150rp0034v01201213/document/11531#c-s1"},{"clause":"2","heading":null,"page":2,"url":"https://indiainsurances.com/policy/liberty-general-insurance/motor-liability-only-policy-irdan150rp0034v01201213/document/11529#c-2"}],"law":[]},{"key":"sum_insured_basis","label":"Sum insured basis","section":"Cover","meaning":"How the cover amount is set: market value, reinstatement value, agreed value, IDV.","status":"quote-verified","value":"For third-party liability, the cover is subject to the limits of liability laid down in the Schedule and the Motor Vehicles Act. The Motor Insured Declared Value field is shown as '/-'.","display":"Third-party liability limits as per the Schedule and Motor Vehicles Act; Motor Insured Declared Value: /-","note":null,"quote":"Sum Insured / Motor Insured Declared Value Scope | /- ... Subject to the limits of liability as laid down in the Schedule hereto the Company will indemnify the insured ... Subject to limit of liability laid down in the Motor Vehicles Act, the Policy pays the Insured's legal liability for death / disability for third party.","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/liberty-general-insurance/motor-liability-only-policy-irdan150rp0034v01201213/document/11531#c-s1"},{"clause":"2","heading":null,"page":2,"url":"https://indiainsurances.com/policy/liberty-general-insurance/motor-liability-only-policy-irdan150rp0034v01201213/document/11529#c-2"}],"law":[]}],"documents":[{"kind":"wording","label":"Motor Liability Only Policy - Policy Wordings (UIN - IRDAN150RP0034V01201213)","pages":10,"fetched_at":"2026-10-17 19:44:08+00","source_url":"https://www.libertyinsurance.in/Docx/Motor%20Liability%20Only%20Policy%20-%20Policy%20Wordings%20(UIN%20-%20IRDAN150RP0034V01201213).pdf","url":"https://indiainsurances.com/policy/liberty-general-insurance/motor-liability-only-policy-irdan150rp0034v01201213/document/11535"},{"kind":"prospectus","label":"Motor Liability Only Policy - Prospectus (UIN - IRDAN150RP0034V01201213)","pages":5,"fetched_at":"2026-10-17 19:44:12+00","source_url":"https://www.libertyinsurance.in/Docx/Motor%20Liability%20Only%20Policy%20-%20Prospectus%20(UIN%20-%20IRDAN150RP0034V01201213).pdf","url":"https://indiainsurances.com/policy/liberty-general-insurance/motor-liability-only-policy-irdan150rp0034v01201213/document/11529"},{"kind":"cis","label":"Motor Liability Only Policy - CIS (UIN - IRDAN150RP0034V01201213)","pages":3,"fetched_at":"2026-10-17 19:44:18+00","source_url":"https://www.libertyinsurance.in/Docx/Motor%20Liability%20Only%20Policy%20-%20CIS%20(UIN%20-%20IRDAN150RP0034V01201213).pdf","url":"https://indiainsurances.com/policy/liberty-general-insurance/motor-liability-only-policy-irdan150rp0034v01201213/document/11531"},{"kind":"proposal","label":"Motor- Liability only Policy _ Commercial Vehicle - Proposal form (IRDAN150RP0034V01201213)","pages":null,"fetched_at":"2026-10-17 19:44:10+00","source_url":"https://www.libertyinsurance.in/Docx/Motor-%20Liability%20only%20Policy%20_%20Commercial%20Vehicle%20-%20Proposal%20form%20(IRDAN150RP0034V01201213).pdf","url":"https://indiainsurances.com/policy/liberty-general-insurance/motor-liability-only-policy-irdan150rp0034v01201213/document/30295"},{"kind":"proposal","label":"Motor- Liability only Policy _ Private Car and Two Wheeler - Proposal form (IRDAN150RP0034V01201213)","pages":null,"fetched_at":"2026-10-17 19:44:24+00","source_url":"https://www.libertyinsurance.in/Docx/Motor-%20Liability%20only%20Policy%20_%20Private%20Car%20and%20Two%20Wheeler%20-%20Proposal%20form%20(IRDAN150RP0034V01201213).pdf","url":"https://indiainsurances.com/policy/liberty-general-insurance/motor-liability-only-policy-irdan150rp0034v01201213/document/30297"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Liberty General Insurance official website","url":"https://www.libertyinsurance.in/","note":"Buy directly from the insurer."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"insurer","name":"Claims assistance","url":"https://www.libertyinsurance.in/claims/claims-assistance.html","note":null},{"purpose":"claim","kind":"insurer","name":"Health claims","url":"https://www.libertyinsurance.in/claims/health-claims.html","note":null},{"purpose":"claim","kind":"insurer","name":"Motor claims","url":"https://www.libertyinsurance.in/claims/motor-claims.html","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.libertyinsurance.in/customer-support/grievance-redressal.html","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":"Car insurance renewal","url":"https://www.libertyinsurance.in/products/motor-insurance/car-insurance-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 Liability Only Policy (UIN IRDAN150RP0034V01201213), IndiaInsurances, https://indiainsurances.com/policy/liberty-general-insurance/motor-liability-only-policy-irdan150rp0034v01201213"}