{"uin":"IRDAN152RP0002V02201516","name":"Liability Only (Two Wheeler)","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/liability-only-two-wheeler-irdan152rp0002v02201516","insurer":{"slug":"zurich-kotak-general-insurance","name":"Zurich Kotak General Insurance Company (India) Limited","url":"https://indiainsurances.com/insurer/zurich-kotak-general-insurance"},"line":"general","category":"motor-two-wheeler","category_name":"Two-wheeler insurance","irdai_type":null,"kind":"product","status":"active","approved_on":"2015-12-16","withdrawn_on":null,"summary":"This is a liability-only two-wheeler motor policy covering third-party bodily injury, death and property damage in India. It also provides owner-driver personal accident cover of 15 lakhs when applicable, and add-on cover is stated as not applicable.","analysis":{"state":"machine","analysed_at":"2026-10-20 02:41:59.677748+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":"The documents identify the product as Liability Only (Two Wheeler) but do not name internal plan variants.","quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"not-stated","value":null,"display":null,"note":"The policy schedule has a blank period of insurance field, but the documents do not state a fixed policy term.","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 and in the event of any claim. Claim papers, process and notice of impending prosecution, inquest or fatal inquiry must also be forwarded or given immediately.","display":"Immediately upon the occurrence of any accident and in the event of any claim.","note":null,"quote":"Notice shall be given in writing to the Company immediately upon the occurrence of any accident and in the event of any claim. Every letter claim writ summons and/or process shall be forwarded to the Company immediately on receipt by the insured. Notice shall also be given in writing to the Company immediately the insured shall have knowledge of any impending prosecution, inquest or fatal inquiry in respect of any accident which may give rise to a claim under this Policy.","sources":[{"clause":null,"heading":"CONDITIONS","page":4,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/liability-only-two-wheeler-irdan152rp0002v02201516/document/18569#c-conditions"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Claim Form Duly Signed","R. C. Copy of the Vehicle","Driving License Copy","Policy Copy - (First 2 Pages only)","FIR Copy","MACT / Legal Notice","FIR Copy/ Panchnama/ Policy inquest report duly attested by police station","Copy of Medico Legal Certificate duly attested by the concerned Hospital","Documents as required by AML Guidelines","KYC","Original Death Certificate","Treating Medical Practitioner’s certificate describing the disablement","The Company may request for any other documents, if required on case to case basis."],"display":"Claim form, RC, driving licence, policy copy, FIR and claim-specific third-party or personal-accident documents.","note":"The table lists documents separately for accident, theft, third-party and personal-accident claims; the listed items are the relevant common, third-party and PA documents.","quote":"Following documents should be required for or in support of a claim: ... Claim Form Duly Signed | Claim Form Duly Signed | Claim Form Duly Signed ... R. C. Copy of the Vehicle | R. C. Copy of the Vehicle | R. C. Copy of the Vehicle | R. C. **Copy of the Vehicle ... Driving License Copy | Driving License Copy | Driving License Copy | Driving License Copy ... Policy Copy - (First 2 Pages only) | Policy Copy - (First 2 Pages only) | Policy Copy - (First 2 Pages only) | Policy Copy - (First 2 Pages only) ... FIR Copy | FIR Copy, Untrace Report, Dumping Yard Certificate | FIR Copy | FIR Copy/ Panchnama/ Policy inquest report duly attested by police station ... MACT / Legal Notice | Copy of Medico Legal Certificate duly attested by the concerned Hospital ... Documents as required by AML Guidelines ... KYC ... For Accidental Death Claim: ... Original Death Certificate ... For Disablement Claim: ... Treating Medical Practitioner’s certificate describing the disablement ... The Company may request for any other documents, if required on case to case basis.","sources":[{"clause":"10","heading":"Claim Documents","page":5,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/liability-only-two-wheeler-irdan152rp0002v02201516/document/18569#c-10"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"not-stated","value":null,"display":null,"note":"The documents state claim intimation contacts and judicial routing for third-party claims, but do not promise a claim decision or payment time.","quote":null,"sources":[],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["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.","Any claim arising out of any contractual liability.","death arising out of and in the course of employment","death or bodily injury to any person (other than a passenger carried by reason of or in pursuance of a contract of employment) being carried in or upon or entering or mounting or alighting from the Motor Vehicle","war, invasion, the act of foreign enemies, hostilities or warlike operations","nuclear weapons material","Intentional self-injury suicide or attempted suicide, physical defect or infirmity","under the influence of intoxicating liquor or drugs","trade or economic sanctions law or regulation"],"display":"Use outside limitations, invalid driver, contractual liability, certain employee and passenger liability, war, nuclear, PA self-injury/intoxication, and sanctions.","note":null,"quote":"a) Being used otherwise than in accordance with the 'Limitations as to Use' or ... b) Being driven by or is for the purpose of being driven by him/her in the charge of any person other than a Driver as stated in the Driver's Clause. 2. The Company shall not be liable in respect of any Any claim arising out of any contractual liability. ... death arising out of and in the course of employment ... death or bodily injury to any person (other than a passenger carried by reason of or in pursuance of a contract of employment) being carried in or upon or entering or mounting or alighting from the Motor Vehicle ... war, invasion, the act of foreign enemies, hostilities or warlike operations ... nuclear weapons material ... Intentional self-injury suicide or attempted suicide, physical ... defect or infirmity or ... under the influence of intoxicating liquor or drugs. ... trade or economic sanctions law or regulation.","sources":[{"clause":"5(a)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/liability-only-two-wheeler-irdan152rp0002v02201516/document/18569#c-5-a-2"},{"clause":"5(b)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/liability-only-two-wheeler-irdan152rp0002v02201516/document/18569#c-5-b-2"},{"clause":"6","heading":"The Company shall not be liable in respect of any liability directly","page":4,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/liability-only-two-wheeler-irdan152rp0002v02201516/document/18569#c-6"},{"clause":null,"heading":"APPLICATION OF LIMITS OF INDEMNITY","page":3,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/liability-only-two-wheeler-irdan152rp0002v02201516/document/18569#c-application-of-limits-of-indemnity"},{"clause":"11","heading":"Sanction Exclusion Clause","page":5,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/liability-only-two-wheeler-irdan152rp0002v02201516/document/18569#c-11"}],"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":"For a query or grievance, contact the respective branch office, call 1800 2120 or email care@zurichkotak.com. If not satisfied, contact the Grievance Officer, then seniorgrievanceofficer@zurichkotak.com/chiefgrievanceofficer@zurichkotak.com before approaching IRDAI or the Insurance Ombudsman.","display":"Branch office / 1800 2120 / care@zurichkotak.com, then Grievance Officer, then senior or chief grievance officer.","note":null,"quote":"For resolution of any query or grievance, Insured may contact the respective branch office of the Company or may call toll free number 1800 2120 or may write an e- mail at care@zurichkotak.com. In case the Insured is not satisfied with the response, Insured may contact the Grievance Officer of the Company at grievanceofficer @zurichkotak.com. In case if the Insured is not satisfied with the solution the Grievance Officer has provided, Insured can write to seniorgrievanceofficer@zurichkotak.com/chiefgrievanceofficer@zuri chkotak.com.","sources":[{"clause":null,"heading":"GRIEVANCE REDRESSAL","page":5,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/liability-only-two-wheeler-irdan152rp0002v02201516/document/18569#c-grievance-redressal"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"The insured may cancel at any time without assigning a reason if no claim has arisen. The refund is proportionate premium for the unexpired period in the running year and full refund for remaining full policy years where the period exceeds one year, subject to proof that the vehicle is insured elsewhere at least for Liability Only cover and submission of the original certificate of insurance.","display":"Proportionate refund for unexpired running year and full refund for remaining full policy years, if no claim and alternate liability cover proof is submitted.","note":"For the third-party liability section, cancellation is only on double insurance or vehicle not in use because of total loss or constructive total loss.","quote":"II) Cancellation by Insured The policy may be cancelled at any time by the insured without assigning any reason provided no claim has arisen during the period of insurance. The insured shall be entitled to a refund of proportionate premium for the unexpired period in the running year and full refund of premium for the remaining full policy years (where period of insurance exceeds one year). subject to submission of proof that vehicle is insured elsewhere at least for Liability Only cover and original certificate of insurance. ... Liability to Third party section of the policy may be cancelled either by the Company or the Insured only on the following grounds: ... a) Double Insurance ... b) Vehicle not in use anymore because of Total Loss or Constructive Total Loss","sources":[{"clause":"6(II)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/liability-only-two-wheeler-irdan152rp0002v02201516/document/18569#c-6-ii"},{"clause":"6(III)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/liability-only-two-wheeler-irdan152rp0002v02201516/document/18569#c-6-iii"},{"clause":"6(III)(a)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/liability-only-two-wheeler-irdan152rp0002v02201516/document/18569#c-6-iii-a"},{"clause":"6(III)(b)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/liability-only-two-wheeler-irdan152rp0002v02201516/document/18569#c-6-iii-b"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"cover_types","label":"Cover types","section":"Cover","meaning":"Comprehensive, standalone own damage, third-party only.","status":"quote-verified","value":["third-party only"],"display":"Third-party only (Liability Only)","note":null,"quote":"LIABILITY ONLY (TWO WHEELER) ... Liability Only (Two wheeler) is designed to provide Third Party insurance coverage and PA Cover to Owner/ Driver (if opted) to Two wheeler Vehicles","sources":[{"clause":"Row 1","heading":"Product Name","page":1,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/liability-only-two-wheeler-irdan152rp0002v02201516/document/18167#c-row-1"},{"clause":"Row 4","heading":"Interests Insured","page":1,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/liability-only-two-wheeler-irdan152rp0002v02201516/document/18167#c-row-4"}],"law":[]},{"key":"third_party","label":"Third-party liability","section":"Cover","meaning":"Compulsory cover for injury, death or property damage to others. Unlimited for death and injury.","status":"quote-verified","value":"The policy covers legal liability for death or bodily injury to third parties as necessary to meet the Motor Vehicles Act, and damage to third-party property up to the limit specified in the schedule. The schedule shows property damage limit as ` <6,000 or 1,00,000> and/or as amended from time to time.","display":"Death/bodily injury as necessary to meet the Motor Vehicles Act; third-party property damage ` <6,000 or 1,00,000>.","note":null,"quote":"Under Section II - 1(i) of the policy -> Death of or bodily injury: Such amounts is necessary to meet their requirements of Motor Vehicle Act, 1988 as amended from time to time. Under Section II- 1(ii) of the policy -> Damage to Third Party Property ` <6,000 or 1,00,000>; and/or as amended from time to time ... a) Death of or bodily injury to any person so far as it is necessary to meet the requirements of the Motor Vehicles Act. b) Damage to property other than property belonging to the insured or held in trust or in the custody or control of the insured up to the limit specified in the schedule.","sources":[{"clause":"Part I","heading":"Policy Schedule","page":1,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/liability-only-two-wheeler-irdan152rp0002v02201516/document/18569#c-part-i"},{"clause":"1","heading":"Subject to the limit of liability as laid down in the Schedule hereto","page":3,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/liability-only-two-wheeler-irdan152rp0002v02201516/document/18569#c-1"}],"law":[{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch V, I, Paras 1 to 4","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch V, I, Para 7","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 146","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 147","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 150","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 157","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 164","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 161","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 166(3)","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 162","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"idv","label":"Insured declared value (IDV)","section":"Cover","meaning":"The vehicle's insured value: maximum paid for theft or total loss.","status":"not-applicable","value":null,"display":null,"note":"This is a liability-only two-wheeler policy, so it does not insure the vehicle for theft or total loss under an own-damage IDV.","quote":null,"sources":[],"law":[]},{"key":"depreciation","label":"Depreciation on parts","section":"Limits and co-pay","meaning":"How much of the cost of replaced parts you bear because of age (unless you have zero depreciation).","status":"not-applicable","value":null,"display":null,"note":"This is a liability-only policy and does not pay own-damage repair costs for replaced parts.","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":"No compulsory deductible or other loss participation is applicable.","display":"Not Applicable","note":null,"quote":"8 | Loss Participation | Not Applicable","sources":[{"clause":"Section II","heading":"Personal Accident Cover for Owner-Driver","page":1,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/liability-only-two-wheeler-irdan152rp0002v02201516/document/18167#c-section-ii"}],"law":[]},{"key":"deductible","label":"Voluntary deductible","section":"Limits and co-pay","meaning":"An extra amount per claim you choose to bear for a lower premium.","status":"quote-verified","value":"No voluntary deductible or other loss participation is applicable.","display":"Not Applicable","note":null,"quote":"8 | Loss Participation | Not Applicable","sources":[{"clause":"Section II","heading":"Personal Accident Cover for Owner-Driver","page":1,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/liability-only-two-wheeler-irdan152rp0002v02201516/document/18167#c-section-ii"}],"law":[]},{"key":"pa_owner_driver","label":"Personal accident cover for owner-driver","section":"Cover","meaning":"Compulsory PA cover for the owner-driver.","status":"quote-verified","value":"Owner-driver personal accident cover has a total liability limit of 15 lakhs during any one period of insurance. The owner-driver must be the registered owner, the insured named in the policy and must hold an effective driving license at the time of the accident.","display":"Owner-driver PA cover: 15 lakhs, subject to registered owner/named insured/effective driving licence conditions.","note":"The prospectus says the PA cover is available if opted, is not available when the vehicle is owned by a company, partnership firm or other body corporate, and is optional if the owner has PA cover under any other policy.","quote":"the total liability of the insurer shall not in the aggregate exceed the sum of ` 15 lakhs during any one period of insurance. ... This cover is subject to i) The owner-driver is the registered owner of the vehicle Insured herein; ii) The owner-driver is the Insured named in this policy. iii) The owner-driver holds an effective driving license, in accordance with the provisions of Rule 3 of the Central Motor Vehicles Rules, 1989 (including any amendments made from time to time), at the time of the accident. ... Personal Accident cover is available under this policy if opted by insured. ... This cover is not available where the vehicle is owned by company, partnership firm or any other body corporate. If the owner has taken personal accident cover under any other policy, this cover is optional.","sources":[{"clause":null,"heading":"APPLICATION OF LIMITS OF INDEMNITY","page":3,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/liability-only-two-wheeler-irdan152rp0002v02201516/document/18569#c-application-of-limits-of-indemnity"},{"clause":"Section II","heading":"Personal Accident Cover for Owner-Driver","page":1,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/liability-only-two-wheeler-irdan152rp0002v02201516/document/18264#c-section-ii"}],"law":[{"title":"Enhancement of Capital Sum Insured in Compulsory Personal Accident Cover for Owner-Driver under Motor Insurance Policies","section":"Para 4(i) to (iii)","url":"https://indiainsurances.com/law/irdai-motor-cpa-2018"},{"title":"Compulsory Personal Accident Insurance for Owner-Driver under Motor Insurance","section":"Paras 1 and 2","url":"https://indiainsurances.com/law/irdai-motor-cpa-choice-2018"},{"title":"Cover for Compulsory Personal Accident (CPA) for Owner-Driver under Motor Insurance Policies","section":"Para 3","url":"https://indiainsurances.com/law/irdai-motor-cpa-standalone-2018"},{"title":"Cover for Compulsory Personal Accident (CPA) for Owner-Driver under Motor Insurance Policies","section":"Para 4(iv) to (viii)","url":"https://indiainsurances.com/law/irdai-motor-cpa-standalone-2018"}]},{"key":"addons","label":"Add-ons offered","section":"Cover","meaning":"Zero depreciation, engine protect, return to invoice, roadside assistance, consumables...","status":"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":"not-applicable","value":null,"display":null,"note":"This is a liability-only policy and does not provide own-damage repair cover where cashless garage settlement would apply.","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":["use for hire or reward","tuition","racing","pace making","reliability trial","speed testing","carriage of goods (other than samples or personal luggage) in connection with any trade or business","use for any purpose in connection with Motor Trade","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","under the influence of intoxicating liquor or drugs","war, invasion, the act of foreign enemies, hostilities or warlike operations","nuclear weapons material"],"display":"Use outside permitted purpose, invalid driver, intoxication, war and nuclear exclusions.","note":null,"quote":"The Policy does not cover use for hire or reward, tuition, racing, pace making, reliability trial, speed testing, carriage of goods (other than samples or personal luggage) in connection with any trade or business or use for any purpose in connection with Motor Trade. ... b) Being driven by or is for the purpose of being driven by him/her in the charge of any person other than a Driver as stated in the Driver's Clause. ... under the influence of intoxicating liquor or drugs. ... war, invasion, the act of foreign enemies, hostilities or warlike operations ... nuclear weapons material","sources":[{"clause":"Part I","heading":"Policy Schedule","page":1,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/liability-only-two-wheeler-irdan152rp0002v02201516/document/18569#c-part-i"},{"clause":"5(b)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/liability-only-two-wheeler-irdan152rp0002v02201516/document/18569#c-5-b-2"},{"clause":null,"heading":"APPLICATION OF LIMITS OF INDEMNITY","page":3,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/liability-only-two-wheeler-irdan152rp0002v02201516/document/18569#c-application-of-limits-of-indemnity"},{"clause":"6","heading":"The Company shall not be liable in respect of any liability directly","page":4,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/liability-only-two-wheeler-irdan152rp0002v02201516/document/18569#c-6"}],"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 third-party liability sum insured is based on the provisions of the Motor Vehicles Act. The owner-driver personal accident cover is INR 15,00,000.","display":"Third-party liability: as per Provisions of Motor Vehicles Act; PA owner-driver: INR 15,00,000.","note":null,"quote":"Section | Coverage | Sum Insured Section I | Liability to Third Parties | As per Provisions of Motor Vehicles Act Section II | Personal Accident Cover for Owner-Driver | INR 15,00,000/-","sources":[{"clause":"3","heading":"Sum Insured","page":2,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/liability-only-two-wheeler-irdan152rp0002v02201516/document/18264#c-3"}],"law":[]}],"documents":[{"kind":"wording","label":"Liability Only (Two Wheeler) -UIN : (IRDAN152RP0002V02201516)","pages":19,"fetched_at":"2026-10-17 20:28:37+00","source_url":"https://cms.zurichkotak.com/uploads/Liability_Only_Two_Wheeler_Combine_Document_ZK_26_27_v1_13042026_8da73c076a.pdf","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/liability-only-two-wheeler-irdan152rp0002v02201516/document/18569"},{"kind":"wording","label":"Liability only (Two Wheeler) (IRDAI copy)","pages":3,"fetched_at":"2026-10-20 01:22:56+00","source_url":"https://irdai.gov.in/documents/37343/993134/39_GEN981.pdf/7080f610-f16a-b6f1-6bb6-d741cc7daecb?version=1.1&t=1668253067674&download=true","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/liability-only-two-wheeler-irdan152rp0002v02201516/document/26525"},{"kind":"prospectus","label":"Liability Only (Two wheeler)","pages":4,"fetched_at":"2026-10-17 20:12:12+00","source_url":"https://cms.zurichkotak.com/uploads/Prospectus_Liability_Only_Two_wheeler_65fae094c9_ec487d9a2a.pdf","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/liability-only-two-wheeler-irdan152rp0002v02201516/document/18264"},{"kind":"cis","label":"Liability Only (Two Wheeler)","pages":5,"fetched_at":"2026-10-17 20:07:06+00","source_url":"https://cms.zurichkotak.com/uploads/Liability_Only_Two_Wheeler_CIS_Final_04_10_2024_Website_eed26a35f2_658ab82bc8.pdf","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/liability-only-two-wheeler-irdan152rp0002v02201516/document/18167"}],"versions":[{"uin":"KMG-MT-P16-53-V01-15-16","version":null,"approved_on":null},{"uin":"IRDAN152RP0002V02201516","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Zurich Kotak General Insurance ( ) official website","url":"https://www.zurichkotak.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.zurichkotak.com/services/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 process","url":"https://www.zurichkotak.com/customer-support/grievance-redressal-process","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":"Renewals","url":"https://www.zurichkotak.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":"Liability Only (Two Wheeler) (UIN IRDAN152RP0002V02201516), IndiaInsurances, https://indiainsurances.com/policy/zurich-kotak-general-insurance/liability-only-two-wheeler-irdan152rp0002v02201516"}