{"uin":"IRDAN152RP0006V04201516","name":"Car Secure","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/car-secure-irdan152rp0006v04201516","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-car","category_name":"Car insurance","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Car Secure provides private car motor cover for own damage, third-party liability and owner-driver personal accident cover. Own damage is based on IDV and the wording lists add-ons including depreciation cover, engine protect, return to invoice, roadside assistance, pay as you drive and EV protect.","analysis":{"state":"machine","analysed_at":"2026-10-20 06:36:04.557867+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 list cover sections and add-on covers, but do not name 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 and the wording refers to the policy period, but no fixed policy term is printed.","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 any accidental loss or damage. For theft or a criminal act, immediate notice must also be given to the police.","display":"Immediately upon occurrence; theft/criminal act also immediately to police","note":"The insurer may condone delayed intimation after analysing the insured's reasons.","quote":"Notice shall be given in writing to the Company immediately upon the occurrence of any accidental loss or damage in the event of any claim ... In case of theft or criminal act which may be the subject of a claim under this Policy the insured shall give immediate notice to the police","sources":[{"clause":null,"heading":"CONDITIONS","page":5,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/car-secure-irdan152rp0006v04201516/document/18228#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","Estimate of repairs","Original Repair Invoice, Payment Receipt","Letter of Indemnity and Subrogation","Documents as required by AML Guidelines","KYC","Untrace Report","Dumping Yard Certificate","NOC from Finance Company (If Hypothecated)","Previous Insurance details","Acknowledged copy of letter addressed to RTO intimating theft and making vehicle “NON - USE”","Form 28, 29 , 30 signed by the insured and form 35 signed by the financer","Consent towards agreed claim settlement value from you and financer","Blank and Undated “Vakalatnama”","MACT / Legal Notice","Copy of Medico Legal Certificate duly attested by the concerned Hospital","Original Death Certificate","Death Summary issued by Hospital Post Mortem Report (if conducted)","Identity proof of Nominee or Original Succession Certificate/ Original Legal Heir Certificate","Treating Medical Practitioner’s certificate describing the disablement","Discharge summary from the Hospital","Photograph of the Insured Person reflecting the disablement","Prescriptions and consultation papers of the treatment;","Disability certificate issued by treating Medical Practitioner","Any other medical, investigation reports, inpatient or consultation treatment papers, as applicable"],"display":"Claim form, RC, driving licence, policy copy, FIR and claim-specific repair, theft, third-party or PA documents","note":"The documents vary by accident, theft, third-party and personal accident claims; the Company may request other documents case by case.","quote":"Following documents should be required for or in support of a claim: ... Claim Form Duly Signed ... R. C. Copy of the Vehicle ... Driving License Copy ... Policy Copy - (First 2 Pages only) ... FIR Copy ... Estimate of repairs ... Original Repair Invoice, Payment Receipt ... Letter of Indemnity and Subrogation ... Documents as required by AML Guidelines ... KYC ... FIR Copy, Untrace Report, Dumping Yard Certificate ... NOC from Finance Company (If Hypothecated) ... Previous Insurance details ... Acknowledged copy of letter addressed to RTO intimating theft and making vehicle “NON - USE” ... Form 28, 29 , 30 signed by the insured and form 35 signed by the financer, as the case maybe undated and blank ... Consent towards agreed claim settlement value from you and financer ... Blank and Undated “Vakalatnama” ... MACT / Legal Notice ... Copy of Medico Legal Certificate duly attested by the concerned Hospital ... Original Death Certificate ... Death Summary issued by Hospital Post Mortem Report (if conducted) ... Identity proof of Nominee or Original Succession Certificate/ Original Legal Heir Certificate ... Treating Medical Practitioner’s certificate describing the disablement ... Discharge summary from the Hospital ... Photograph of the Insured Person reflecting the disablement ... Prescriptions and consultation papers of the treatment; ... Disability certificate issued by treating Medical Practitioner. ... Any other medical, investigation reports, inpatient or consultation treatment papers, as applicable","sources":[{"clause":null,"heading":"Claim Documents","page":7,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/car-secure-irdan152rp0006v04201516/document/18228#c-claim-documents"}],"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":"Claims are to be settled within 7 days after receipt of the final survey report and/or the last relevant and necessary document, as applicable.","display":"Within 7 days after final survey report and/or last relevant document","note":"The TAT table also says survey report submission is 15 days and claims are concluded within 7 days after receipt of the final survey report.","quote":"Settlement of claims | Within 7 days after receipt of final survey report and/or the last relevant and necessary document as the case may be","sources":[{"clause":"12","heading":"Claim Procedure","page":7,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/car-secure-irdan152rp0006v04201516/document/18228#c-12"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Consequential loss, depreciation, wear and tear, mechanical or electrical breakdown, failures or breakages","Damage to tyres and tubes unless the vehicle is damaged at the same time","Any accidental loss or damage suffered whilst the driver is under the influence of intoxicating liquor or drugs","Any accidental loss or 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","Any accidental loss or damage to any property whatsoever or any loss or expense whatsoever resulting or arising there from or any consequential loss","ionising radiations or contamination by radioactivity","nuclear weapons material","war, invasion, the act of foreign enemies, hostilities or warlike operations","trade or economic sanctions law or regulation"],"display":"Consequential loss, wear and tear, breakdown, tyres-only damage, intoxicated driving, outside geographical area, contractual liability, misuse, unauthorised driver, nuclear/radiation, war and sanctions","note":null,"quote":"Consequential loss, depreciation, wear and tear, mechanical or electrical breakdown, failures or breakages ... Damage to tyres and tubes unless the vehicle is damaged at the same time ... under the influence of intoxicating liquor or drugs ... Any accidental loss or 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 ... nuclear weapons material ... war, invasion, the act of foreign enemies, hostilities or warlike operations ... trade or economic sanctions law or regulation","sources":[{"clause":"5","heading":"Rate of Depreciation for Painting: In the case of painting, the","page":4,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/car-secure-irdan152rp0006v04201516/document/18228#c-5"},{"clause":null,"heading":"GENERAL EXCEPTIONS (Applicable to all Sections of the Policy)","page":5,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/car-secure-irdan152rp0006v04201516/document/18228#c-general-exceptions-applicable-to-all-sections-of"},{"clause":"3(a)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/car-secure-irdan152rp0006v04201516/document/18228#c-3-a-2"},{"clause":"3(b)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/car-secure-irdan152rp0006v04201516/document/18228#c-3-b"},{"clause":"3(a)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/car-secure-irdan152rp0006v04201516/document/18228#c-3-a-3"},{"clause":"3(b)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/car-secure-irdan152rp0006v04201516/document/18228#c-3-b-2"},{"clause":"3(b)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/car-secure-irdan152rp0006v04201516/document/18228#c-3-b-3"},{"clause":"13","heading":"Sanction Exclusion Clause","page":8,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/car-secure-irdan152rp0006v04201516/document/18228#c-13"}],"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 branch office, call 1800 2120 or email care@zurichkotak.com. If not satisfied, contact grievanceofficer@zurichkotak.com, then seniorgrievanceofficer@zurichkotak.com or chiefgrievanceofficer@zurichkotak.com before approaching IRDAI or the Insurance Ombudsman.","display":"Branch/1800 2120/care@zurichkotak.com, then Grievance Officer, then senior/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\nGrievance | Officer | of | the | Company | at\ngrievanceofficer@zurichkotak.com. In case if the Insured is not satisfied with the solution the Grievance Officer has provided, Insured\ncan write | to | seniorgrievanceofficer@zurichkotak.com/\nchiefgrievanceofficer@zurichkotak.com.","sources":[{"clause":null,"heading":"GRIEVANCE REDRESSAL","page":8,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/car-secure-irdan152rp0006v04201516/document/18228#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":"quote-verified","value":["fire explosion self-ignition or lightning","burglary housebreaking or theft","riot and strike","earthquake (fire and shock damage)","flood typhoon hurricane storm tempest inundation cyclone hailstorm frost","accidental external means","malicious act","terrorist activity","whilst in transit by road rail inland-waterway lift elevator or air","landslide rockslide"],"display":"Fire, theft, riot/strike, earthquake, flood/storm perils, accidental external means, malicious act, terrorist activity, transit, landslide/rockslide","note":null,"quote":"1. by fire explosion self-ignition or lightning;\n2. by burglary housebreaking or theft;\n3. by riot and strike;\n4. by earthquake (fire and shock damage);\n5. by flood typhoon hurricane storm tempest inundation cyclone hailstorm frost;\n6. by accidental external means;\n7. by malicious act;\n8. by terrorist activity;\n9. whilst in transit by road rail inland-waterway lift elevator or air;\n10. by landslide rockslide","sources":[{"clause":"Section I","heading":"LOSS OF OR DAMAGE TO THE VEHICLE","page":4,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/car-secure-irdan152rp0006v04201516/document/18228#c-section-i"}],"law":[]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"The insured may cancel at any time without assigning any reason if no claim has arisen. The refund is proportionate premium for the unexpired period in the running year and full premium for remaining full policy years, subject to proof that the vehicle is insured elsewhere at least for Liability Only cover and return of the original certificate of insurance.","display":"Proportionate refund for unexpired running year, and full refund for remaining full policy years if no claim","note":null,"quote":"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.","sources":[{"clause":"5(II)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/car-secure-irdan152rp0006v04201516/document/18228#c-5-ii"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"not-stated","value":null,"display":null,"note":"The schedule has a blank geographical area and the wording excludes losses outside the geographical area, but does not name the base territory.","quote":null,"sources":[],"law":[]},{"key":"cover_types","label":"Cover types","section":"Cover","meaning":"Comprehensive, standalone own damage, third-party only.","status":"quote-verified","value":["Private Car Package/Comprehensive Policy","Private Car OD Only Policy"],"display":"Private Car Package/Comprehensive Policy; Private Car OD Only Policy","note":"The policy schedule also has Section I Own Damage and Section II Liability.","quote":"Base Private Car Comprehensive Package Policy/ Private Car OD Only Policy","sources":[{"clause":"23","heading":"Clutch Protect","page":20,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/car-secure-irdan152rp0006v04201516/document/18228#c-23"}],"law":[]},{"key":"third_party","label":"Third-party liability","section":"Cover","meaning":"Compulsory cover for injury, death or property damage to others. Unlimited for death and injury.","status":"quote-verified","value":"The policy indemnifies the insured for legal liability from use of the vehicle for death or bodily injury to persons, including occupants not carried for hire or reward, and damage to third-party property. The schedule states death/bodily injury liability as amounts necessary to meet the Motor Vehicles Act and property damage as ` <6,000 or 7,50,000> and/or as amended.","display":"Legal liability for death/bodily injury and third-party property damage; property damage ` <6,000 or 7,50,000>","note":null,"quote":"the Company will indemnify the insured in the event of an accident caused by or arising out of the use of the vehicle against all sums which the insured shall become legally liable to pay in respect of: ... Death of or bodily injury to any person including occupants carried in the vehicle (provided such occupants are not carried for hire or reward) ... Damage to property other than property belonging to the insured or held in trust or in the custody or control of the insured. ... 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 7,50,000>; and/or as amended from time to time","sources":[{"clause":"1","heading":"Subject to the limits of liability as laid down in the Schedule hereto","page":4,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/car-secure-irdan152rp0006v04201516/document/18228#c-1-2"},{"clause":"1(a)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/car-secure-irdan152rp0006v04201516/document/18228#c-1-a"},{"clause":"1(b)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/car-secure-irdan152rp0006v04201516/document/18228#c-1-b"},{"clause":"Section III","heading":null,"page":1,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/car-secure-irdan152rp0006v04201516/document/18228#c-section-iii"}],"law":[{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch V, I, Paras 1 to 4","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch V, I, Para 7","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 146","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 147","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 150","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 157","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 164","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 161","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 166(3)","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 162","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"idv","label":"Insured declared value (IDV)","section":"Cover","meaning":"The vehicle's insured value: maximum paid for theft or total loss.","status":"quote-verified","value":"The Insured's Declared Value is the Sum Insured, fixed at the start of each policy period. It is based on the manufacturer's listed selling price of the brand and model at commencement or renewal, adjusted for depreciation, and is the maximum basis for total loss/constructive total loss/cash-loss subject to wreck/salvage terms.","display":"IDV is the Sum Insured, fixed at policy start from manufacturer’s listed selling price adjusted for depreciation","note":"Vehicles beyond 5 years or obsolete models are valued by understanding between insurer and insured.","quote":"The Insured's Declared Value (IDV) of the vehicle will be deemed to be the 'SUM INSURED' for the purpose of this policy which is fixed at the commencement of each policy period for the insured vehicle.\nThe IDV of the vehicle (and accessories if any fitted to the vehicle) is to be fixed on the basis of the manufacturer's listed selling price of the brand and model as the vehicle insured at the commencement of insurance/renewal and adjusted for depreciation ... For total loss / constructive total loss/cash-loss of the vehicle\n- the Insured's Declared Value (IDV) of the vehicle (including accessories thereon) as specified in the Schedule less the value of the wreck.","sources":[{"clause":"Section I(c)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/car-secure-irdan152rp0006v04201516/document/18228#c-section-i-c"},{"clause":"3(a)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/car-secure-irdan152rp0006v04201516/document/18228#c-3-a-5"}],"law":[]},{"key":"depreciation","label":"Depreciation on parts","section":"Limits and co-pay","meaning":"How much of the cost of replaced parts you bear because of age (unless you have zero depreciation).","status":"quote-verified","value":"For replaced parts, depreciation is 50% for rubber/nylon/plastic parts, tyres and tubes, batteries and air bags; 30% for fibre glass components; Nil for glass. Other parts follow an age-wise schedule from Nil to 50%, and painting depreciation of 50% applies only on the material cost, with material treated as 25% of a consolidated painting bill.","display":"Parts depreciation: rubber/plastic/tyres/batteries/air bags 50%, fibre glass 30%, glass Nil; other parts age-wise Nil to 50%; painting 50% on material cost","note":null,"quote":"For all rubber/ nylon / plastic parts, tyres and tubes, batteries ... and air bags - 50% ... For fibre glass components - 30% ... For all parts made of glass – Nil ... Rate of depreciation for all other parts including wooden ... Not Exceeding 6 months | Nil ... Exceeding 10 years | 50% ... depreciation rate of 50% shall be applied only on the material cost of total painting charges. In case of a consolidated bill for painting charges, the material component shall be considered as 25% of the total painting charges","sources":[{"clause":"1","heading":"For all rubber/ nylon / plastic parts, tyres and tubes, batteries","page":4,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/car-secure-irdan152rp0006v04201516/document/18228#c-1"},{"clause":"2","heading":"For fibre glass components - 30%","page":4,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/car-secure-irdan152rp0006v04201516/document/18228#c-2"},{"clause":"3","heading":"For all parts made of glass – Nil","page":4,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/car-secure-irdan152rp0006v04201516/document/18228#c-3"},{"clause":"4","heading":"Rate of depreciation for all other parts including wooden","page":4,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/car-secure-irdan152rp0006v04201516/document/18228#c-4"},{"clause":"5","heading":"Rate of Depreciation for Painting: In the case of painting, the","page":4,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/car-secure-irdan152rp0006v04201516/document/18228#c-5"}],"law":[]},{"key":"ncb","label":"No-claim bonus","section":"Cover","meaning":"Discount on own-damage premium for claim-free years (20% to 50%).","status":"quote-verified","value":"No Claim Bonus on own-damage premium is 20% after the preceding year, 25% after two consecutive years, 35% after three, 45% after four and 50% after five consecutive years, if no claim is made or pending. It is allowed if renewed within 90 days of expiry, with a possible extension up to 365 days for Military or Para military personnel working in Forward Areas.","display":"20%, 25%, 35%, 45% and 50% on OD premium for claim-free years","note":null,"quote":"No claim made or pending during the preceding full year of insurance | 20% ... No claim made or pending during the preceding 2 consecutive years of insurance | 25% ... No claim made or pending during the preceding 3 consecutive years of insurance | 35% ... No claim made or pending during the preceding 4 consecutive years of insurance | 45% ... No claim made or pending during the preceding 5 consecutive years of insurance | 50% ... No Claim Bonus will only be allowed provided the policy is renewed within 90 days of the expiry date of the previous policy.\n\"However, in the case of Military or Para military Personnel working in Forward Areas, the period of 90 days may be extended up to 365 days","sources":[{"clause":"Section III","heading":null,"page":1,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/car-secure-irdan152rp0006v04201516/document/18228#c-section-iii"},{"clause":null,"heading":"GRIEVANCE REDRESSAL","page":8,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/car-secure-irdan152rp0006v04201516/document/18228#c-grievance-redressal"}],"law":[]},{"key":"compulsory_deductible","label":"Compulsory deductible","section":"Limits and co-pay","meaning":"Fixed amount you pay on every own-damage claim.","status":"not-stated","value":null,"display":null,"note":"The specimen wording says the deductible is stated in the schedule and the endorsement leaves the rupee amount blank; no fixed compulsory deductible amount is printed.","quote":null,"sources":[],"law":[]},{"key":"deductible","label":"Voluntary deductible","section":"Limits and co-pay","meaning":"An extra amount per claim you choose to bear for a lower premium.","status":"quote-verified","value":"A voluntary deductible may be opted under Section I; in return for a premium reduction, the insured bears the first aggregate deductible amount for each event. The amount is inserted in the policy schedule/endorsement.","display":"Optional voluntary deductible per event under Section I, amount as opted","note":"No rupee amount is printed in the specimen; it is to be inserted for the chosen voluntary deductible and aggregate deductible.","quote":"It is by declared and agreed that the insured having opted a voluntary deductible of Rs. ............* a reduction in premium of Rs. .......** under Section 1 of the policy is hereby allowed. ... the insured shall bear under Section 1 of the policy in respect of each and every event (including event giving rise to a total loss/constructive total loss/cash-loss) the first Rs.........***","sources":[{"clause":null,"heading":"IMT 22A. VOLUNTARY DEDUCTIBLE","page":28,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/car-secure-irdan152rp0006v04201516/document/18228#c-imt-22a-voluntary-deductible"}],"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 policy provides personal accident cover for the owner-driver for death or bodily injury directly connected with the insured vehicle, including driving, mounting into/dismounting from it or travelling in it as co-driver. The schedule shows PA cover for owner-driver CSI ` 15,00,000, subject to the owner-driver being the registered owner, named insured and holding an effective driving licence.","display":"Owner-driver PA cover CSI ` 15,00,000","note":null,"quote":"PA Cover under Section III: for Owner Driver CSI ` 15,00,000 ... The Company undertakes to pay compensation as per the following scale for bodily injury/ death sustained by the owner-driver of the vehicle, in direct connection with the vehicle insured or whilst driving or mounting into/dismounting from the vehicle insured or whilst traveling in it as a co-driver ... The owner-driver is the registered owner of the vehicle insured herein; ... The owner-driver is the insured named in this policy. ... The owner-driver holds an effective driving license","sources":[{"clause":"Section III","heading":null,"page":1,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/car-secure-irdan152rp0006v04201516/document/18228#c-section-iii"},{"clause":"Section III","heading":"PERSONAL ACCIDENT COVER FOR OWNER","page":5,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/car-secure-irdan152rp0006v04201516/document/18228#c-section-iii-2"},{"clause":"3(a)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/car-secure-irdan152rp0006v04201516/document/18228#c-3-a"}],"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":"Repairs can be cashless after cashless facility confirmation; the vehicle is repaired at a cashless garage and the insurer pays the garage directly. The insured pays the deductible and depreciation value etc. as informed by the surveyor.","display":"Yes, after cashless facility confirmation at a cashless garage","note":null,"quote":"On cashless facility confirmation, the vehicle would be repaired at a cashless garage and the payment would be made directly to the garage.\n• You will only have to pay the deductible as mentioned in the policy and the depreciation value, etc. as informed by the surveyor.","sources":[{"clause":"11","heading":"Multiple policies involving Bank or other lending or","page":7,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/car-secure-irdan152rp0006v04201516/document/18228#c-11"}],"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","Consequential loss, depreciation, wear and tear, mechanical or electrical breakdown, failures or breakages","Damage to tyres and tubes unless the vehicle is damaged at the same time","under the influence of intoxicating liquor or drugs","ionising radiations or contamination by radioactivity","nuclear weapons material","war, invasion, the act of foreign enemies, hostilities or warlike operations","trade or economic sanctions law or regulation"],"display":"Outside territory, contractual liability, use outside limitations, invalid driver, wear and tear/breakdown, tyre-only damage, intoxication, radiation/nuclear, war and sanctions","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 ... Consequential loss, depreciation, wear and tear, mechanical or electrical breakdown, failures or breakages ... Damage to tyres and tubes unless the vehicle is damaged at the same time ... under the influence of intoxicating liquor or drugs ... ionising radiations or contamination by radioactivity ... nuclear weapons material ... war, invasion, the act of foreign enemies, hostilities or warlike operations ... trade or economic sanctions law or regulation","sources":[{"clause":"5","heading":"Rate of Depreciation for Painting: In the case of painting, the","page":4,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/car-secure-irdan152rp0006v04201516/document/18228#c-5"},{"clause":null,"heading":"GENERAL EXCEPTIONS (Applicable to all Sections of the Policy)","page":5,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/car-secure-irdan152rp0006v04201516/document/18228#c-general-exceptions-applicable-to-all-sections-of"},{"clause":"3(a)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/car-secure-irdan152rp0006v04201516/document/18228#c-3-a-2"},{"clause":"3(b)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/car-secure-irdan152rp0006v04201516/document/18228#c-3-b"},{"clause":"3(b)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/car-secure-irdan152rp0006v04201516/document/18228#c-3-b-2"},{"clause":"3(b)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/car-secure-irdan152rp0006v04201516/document/18228#c-3-b-3"},{"clause":"13","heading":"Sanction Exclusion Clause","page":8,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/car-secure-irdan152rp0006v04201516/document/18228#c-13"}],"law":[]},{"key":"sum_insured_basis","label":"Sum insured basis","section":"Cover","meaning":"How the cover amount is set: market value, reinstatement value, agreed value, IDV.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]}],"documents":[{"kind":"wording","label":"Car Secure UIN: (IRDAN152RP0006V04201516)","pages":35,"fetched_at":"2026-10-17 20:10:04+00","source_url":"https://cms.zurichkotak.com/uploads/Car_Secure_Combine_ZK_V1_071026_c4918cd539.pdf","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/car-secure-irdan152rp0006v04201516/document/18228"},{"kind":"prospectus","label":"Car Secure","pages":9,"fetched_at":"2026-10-17 20:10:32+00","source_url":"https://cms.zurichkotak.com/uploads/Annexure_1_Prospectus_EV_P_Add_on_CS_5f99c5cf74_637cf271b4.pdf","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/car-secure-irdan152rp0006v04201516/document/18233"},{"kind":"cis","label":"Car Secure","pages":14,"fetched_at":"2026-10-17 20:03:14+00","source_url":"https://cms.zurichkotak.com/uploads/Annexure_3_CIS_EV_P_Add_on_CS_73688ffee6_05648e90ad.pdf","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/car-secure-irdan152rp0006v04201516/document/18095"},{"kind":"brochure","label":"Car Secure","pages":4,"fetched_at":"2026-10-17 20:03:42+00","source_url":"https://cms.zurichkotak.com/uploads/ZKGI_Car_Secure_v2_1_copy_7098aae922.pdf","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/car-secure-irdan152rp0006v04201516/document/18103"}],"versions":[],"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":"Car Secure (UIN IRDAN152RP0006V04201516), IndiaInsurances, https://indiainsurances.com/policy/zurich-kotak-general-insurance/car-secure-irdan152rp0006v04201516"}