{"uin":"IRDAN152RP0008V04201617","name":"Long Term Two Wheeler Secure","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/long-term-two-wheeler-secure-irdan152rp0008v04201617","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":null,"withdrawn_on":null,"summary":"Long Term Two Wheeler Secure provides insurance cover to two-wheeler vehicles for own damage, third-party liability and owner-driver personal accident. The policy uses IDV as the sum insured and offers add-ons such as depreciation cover, consumables cover, engine protect, return to invoice, garage cash and road side assistance.","analysis":{"state":"machine","analysed_at":"2026-10-20 06:36:49.978636+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 do not state named plan variants inside this product.","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 specimen schedule leaves the period of insurance blank and the wording does not state the available 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, loss or damage. For theft or criminal act, immediate notice must also be given to the police.","display":"Immediately upon occurrence; theft/criminal act also to police immediately","note":null,"quote":"Notice shall be given in writing to the Company immediately upon the occurrence of any accidental or 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":"1","heading":"Notice shall be given in writing to the Company immediately upon","page":6,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/long-term-two-wheeler-secure-irdan152rp0008v04201617/document/18571#c-1-4"}],"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","KYC","The Company may request for any other documents, if required on case to case basis"],"display":"Claim form, RC copy, driving licence, policy copy, FIR where applicable, repair estimate/invoice, indemnity/subrogation, KYC and other case-specific documents","note":"The full list differs by accident, theft, third-party and personal-accident claims.","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\nR. C. Copy of the Vehicle | R. C. Copy of the Vehicle | R. C. Copy of the Vehicle | R. C. **Copy of the Vehicle\nDriving License Copy | Driving License Copy | Driving License Copy | Driving License Copy\nPolicy Copy - (First 2 Pages only) | Policy Copy - (First 2 Pages only) | Policy Copy - (First 2 Pages only) | Policy Copy - (First 2 Pages only)\nFIR Copy | FIR Copy, Untrace Report, Dumping Yard Certificate | FIR Copy | FIR Copy/ Panchnama/ Policy inquest report duly attested by police station\nEstimate of repairs ... Original Repair Invoice, Payment Receipt ... Letter of Indemnity and Subrogation ... KYC ... The Company may request for any other documents, if required on case to case basis.","sources":[{"clause":null,"heading":"Claim Documents","page":7,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/long-term-two-wheeler-secure-irdan152rp0008v04201617/document/18571#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":"not-stated","value":null,"display":null,"note":null,"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"First contact the respective branch office, toll free number 1800 2120 or care@zurichkotak.com. If not satisfied, contact the Grievance Officer at grievanceofficer@zurichkotak.com, then seniorgrievanceofficer@zurichkotak.com or chiefgrievanceofficer@zurichkotak.com before IRDAI/Bima Bharosa or 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\nALL TYPES OF VEHICLES | % OF DISCOUNT ON OWN DAMAGE PREMIUM\nrespective 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@zurichkotak.com.","sources":[{"clause":null,"heading":"Grievance","page":8,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/long-term-two-wheeler-secure-irdan152rp0008v04201617/document/18571#c-grievance"}],"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","transit by road rail inland-waterway lift elevator or air","landslide rockslide","Death of or bodily injury to any person","Damage to property other than property belonging to the Insured","Personal Accident Cover for Owner Driver"],"display":"Own damage perils, third-party death/bodily injury and property damage, and PA cover for owner-driver","note":null,"quote":"The Company will indemnify the Insured against loss or damage to the vehicle Insured hereunder and / or its accessories whilst thereon.\n1. 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. ... a) Death of or bodily injury to any person ... b) Damage to property other than property belonging to the Insured ... Section III PERSONAL ACCIDENT COVER FOR OWNER\nDRIVER","sources":[{"clause":"Section I","heading":"LOSS OF OR DAMAGE TO THE VEHICLE","page":4,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/long-term-two-wheeler-secure-irdan152rp0008v04201617/document/18571#c-section-i"},{"clause":"1(a)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/long-term-two-wheeler-secure-irdan152rp0008v04201617/document/18571#c-1-a"},{"clause":"1(b)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/long-term-two-wheeler-secure-irdan152rp0008v04201617/document/18571#c-1-b"},{"clause":"Section III","heading":"PERSONAL ACCIDENT COVER FOR OWNER","page":5,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/long-term-two-wheeler-secure-irdan152rp0008v04201617/document/18571#c-section-iii"}],"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 of other Liability Only cover and original certificate of insurance.","display":"Proportionate refund for unexpired running year and full refund for remaining full policy years, if no claim and other Liability Only cover proof is submitted","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 Long Term Two Wheeler Secure ; UIN: IRDAN152RP0008V04201617 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":"6(II)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/long-term-two-wheeler-secure-irdan152rp0008v04201617/document/18571#c-6-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 specimen schedule leaves 'Geographical Area' blank and the policy only refers to the geographical area or optional extensions; it does not state 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":["Section I | Own Damage","Section II | Liability","PA Cover for owner driver"],"display":"Own damage plus liability, with PA cover for owner-driver","note":"The documents describe the cover as own damage and liability sections rather than using the word comprehensive.","quote":"Section I | Section II\nOwn Damage | Liability\nBasic Own Damage | 00 | Basic Third Party Liability | 00 ... PA Cover for owner driver of 15,00,000","sources":[{"clause":"Part I","heading":"Policy Schedule","page":1,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/long-term-two-wheeler-secure-irdan152rp0008v04201617/document/18571#c-part-i"}],"law":[]},{"key":"third_party","label":"Third-party liability","section":"Cover","meaning":"Compulsory cover for injury, death or property damage to others. Unlimited for death and injury.","status":"quote-verified","value":"The policy indemnifies the insured for legal liability arising from use of the insured vehicle for death or bodily injury to any person and damage to third-party property. The schedule states death or bodily injury is for such amount as necessary to meet the Motor Vehicles Act requirements, and property damage is <6,000 or 1,00,000> and/or as amended.","display":"Death/bodily injury as required by Motor Vehicles Act; property damage <6,000 or 1,00,000> and/or as amended","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 insured vehicle against all sums which the Insured shall become legally liable to pay in respect of: ... a) Death of or bodily injury to any person ... b) Damage to property other than property belonging to the Insured ... 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","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/long-term-two-wheeler-secure-irdan152rp0008v04201617/document/18571#c-1-2"},{"clause":"1(a)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/long-term-two-wheeler-secure-irdan152rp0008v04201617/document/18571#c-1-a"},{"clause":"1(b)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/long-term-two-wheeler-secure-irdan152rp0008v04201617/document/18571#c-1-b"},{"clause":null,"heading":"INTERMEDIARY DETAILS","page":2,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/long-term-two-wheeler-secure-irdan152rp0008v04201617/document/18571#c-intermediary-details"}],"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 of the vehicle is the sum insured. It is fixed for each one-year block at the commencement of contract based on the manufacturer's listed selling price adjusted for depreciation, and for total loss/constructive total loss/cash-loss liability is IDV including accessories as specified in the schedule less wreck value.","display":"IDV is the sum insured; fixed each one-year block and used for total loss/CTL/cash-loss less wreck value","note":null,"quote":"The Insured's Declared Value (IDV) of the vehicle will be deemed to be the 'SUM INSURED' for the purpose of this tariff and it will be fixed for\neach one year block at the commencement of contract for each insured ... fixed on the basis of manufacturer's listed selling price of the brand and model as the insured vehicle 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":"4(c)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/long-term-two-wheeler-secure-irdan152rp0008v04201617/document/18571#c-4-c"},{"clause":"3(a)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/long-term-two-wheeler-secure-irdan152rp0008v04201617/document/18571#c-3-a"}],"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, and nil for glass. For painting, 50% applies only on the material cost of total painting charges; if the bill is consolidated, the material component is considered as 25% of total painting charges.","display":"50% rubber/nylon/plastic parts, tyres/tubes, batteries and air bags; 30% fibre glass; nil glass; painting 50% on material cost","note":"The extracted wording refers to a schedule for other parts, but that age-wise replacement-parts schedule is not legible in the provided clauses.","quote":"For all rubber/ nylon / plastic parts, tyres and tubes, batteries\nand air bags - 50% ... For fibre glass components - 30% ... For all parts made of glass - Nil ... 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 for the purpose of applying the depreciation.","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/long-term-two-wheeler-secure-irdan152rp0008v04201617/document/18571#c-1"},{"clause":"2","heading":"For fibre glass components - 30%","page":4,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/long-term-two-wheeler-secure-irdan152rp0008v04201617/document/18571#c-2"},{"clause":"3","heading":"For all parts made of glass - Nil","page":4,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/long-term-two-wheeler-secure-irdan152rp0008v04201617/document/18571#c-3"},{"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/long-term-two-wheeler-secure-irdan152rp0008v04201617/document/18571#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%, 25%, 35%, 45% and 50% for one to five consecutive claim-free years. For renewal of a long-term two-wheeler policy, 2-year expiring policies get 30% with 0 claims, 20% with 1 claim and 0% with more than 1 claim; 3-year expiring policies get 40% with 0 claims, 30% with 1 claim, 20% with 2 claims and 0% with more than 2 claims.","display":"20% to 50% annual NCB; long-term renewal table gives up to 40% for 3-year 0-claim policy","note":null,"quote":"No claim made or pending during the preceding full year of insurance | 20%\nNo claim made or pending during the preceding 2 consecutive years of insurance | 25%\nNo claim made or pending during the preceding 3 consecutive years of insurance | 35%\nNo claim made or pending during the preceding 4 consecutive years of insurance | 45%\nNo claim made or pending during the preceding 5 consecutive years of insurance | 50% ... 2 Years | 0 | 30%\n1 | 20%\nMore than 1 | 0%\n3 Years | 0 | 40%\n1 | 30%\n2 | 20%\nMore than 2 | 0%","sources":[{"clause":null,"heading":"INTERMEDIARY DETAILS","page":2,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/long-term-two-wheeler-secure-irdan152rp0008v04201617/document/18571#c-intermediary-details"}],"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 policy says the deductible is stated in the schedule and IMT.22 uses a blank 'Rs....*' amount; the specimen documents do not state a fixed rupee amount.","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 is available if opted; the insured bears the first aggregate amount of voluntary deductible and compulsory deductible for each event under Section I.","display":"Available if opted; amount is inserted in the schedule/endorsement","note":"The specimen wording does not state a rupee amount.","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. In consideration of the above, it is hereby understood and agreed that 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":18,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/long-term-two-wheeler-secure-irdan152rp0008v04201617/document/18571#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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Enhancement of Capital Sum Insured in Compulsory Personal Accident Cover for Owner-Driver under Motor Insurance Policies","section":"Para 4(i) to (iii)","url":"https://indiainsurances.com/law/irdai-motor-cpa-2018"},{"title":"Compulsory Personal Accident Insurance for Owner-Driver under Motor Insurance","section":"Paras 1 and 2","url":"https://indiainsurances.com/law/irdai-motor-cpa-choice-2018"},{"title":"Cover for Compulsory Personal Accident (CPA) for Owner-Driver under Motor Insurance Policies","section":"Para 3","url":"https://indiainsurances.com/law/irdai-motor-cpa-standalone-2018"},{"title":"Cover for Compulsory Personal Accident (CPA) for Owner-Driver under Motor Insurance Policies","section":"Para 4(iv) to (viii)","url":"https://indiainsurances.com/law/irdai-motor-cpa-standalone-2018"}]},{"key":"addons","label":"Add-ons offered","section":"Cover","meaning":"Zero depreciation, engine protect, return to invoice, roadside assistance, consumables...","status":"quote-verified","value":["Depreciation Cover","Consumables Cover","Engine Protect","Return to Invoice","Garage Cash","Road Side Assistance"],"display":"Depreciation Cover, Consumables Cover, Engine Protect, Return to Invoice, Garage Cash, Road Side Assistance","note":"Add-ons apply only if the applicable premium is paid and the schedule specifies that the cover is in force.","quote":"ADD-ON COVER DETAILS\nSr. No | Add-On Cover | UIN | Remarks\n1 | Depreciation Cover | No. of Claims: ___________ Voluntary Deductible: _________________\n2 | Consumables Cover\n3 | Engine Protect\n4 | Return to Invoice\n5 | Garage Cash\n6 | Road Side Assistance ... The following Add-on Covers are applicable under the Policy only if We have received the applicable premium due for that Add-on Cover in full and the Schedule specifies that the Cover is in force","sources":[{"clause":null,"heading":"INTERMEDIARY DETAILS","page":2,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/long-term-two-wheeler-secure-irdan152rp0008v04201617/document/18571#c-intermediary-details"},{"clause":"Annexure I","heading":null,"page":9,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/long-term-two-wheeler-secure-irdan152rp0008v04201617/document/18571#c-annexure-i"}],"law":[]},{"key":"cashless_garages","label":"Cashless garages","section":"Claims","meaning":"Whether repairs can be cashless at network garages.","status":"quote-verified","value":"Cashless repairs are available after cashless facility confirmation; the vehicle is repaired at a cashless garage and payment is made directly to the garage.","display":"Yes, at a cashless garage after cashless facility confirmation","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.","sources":[{"clause":"12","heading":"Claim Procedure","page":7,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/long-term-two-wheeler-secure-irdan152rp0008v04201617/document/18571#c-12"}],"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","under the influence of intoxicating liquor or drugs","Consequential loss, depreciation, wear and tear, mechanical or electrical breakdown, failures or breakages","Damage to Tyres and Tubes unless the vehicle insured is damaged at the same time","Loss of or damage to accessories by burglary, housebreaking or the theft unless the vehicle is stolen at the same time","ionising radiations or contamination by radioactivity","nuclear weapons material","war, invasion, the act of foreign enemies, hostilities or warlike operations"],"display":"No cover for geographical-area breach, contractual liability, improper use/driver, drunk or drug driving, wear and tear/breakdown, standalone tyre/tube or accessory theft losses, radiation, nuclear weapons and war risks","note":"The clause extraction appears to corrupt the accessory-theft line, but it states loss of or damage to accessories by burglary/housebreaking/theft is excluded unless the vehicle is stolen at the same time.","quote":"The Company shall not be liable under this Policy in respect of\n1. Any accidental loss / damage and/or liability caused sustained or | Long Term Two Wheeler Secure ; UIN: IRDAN152RP0008V04201617\nincurred outside the geographical area.\n2. Any claim arising out of any contractual liability.\n3. Any accidental loss damage and/or liability caused sustained or incurred whilst the vehicle Insured herein is\na) Being used otherwise than in accordance with the 'Limitations as to Use' or\nb) 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. ... The Company shall not be liable to make any payment in respect of:\na) Consequential loss, depreciation, wear and tear, mechanical or electrical breakdown, failures or breakages;\nb) Damage to Tyres and Tubes unless the vehicle insured is damaged at the same time ... Loss of or damage to accessories by burglary, houseretrieval and / or repair of the vehicle ... Any accidental loss or damage or liability directly or indirectly caused by or contributed to by or arising from nuclear weapons material. ... war, invasion, the act of foreign enemies, hostilities or warlike operations","sources":[{"clause":null,"heading":"B. GENERAL EXCEPTIONS (Applicable to all Sections of the","page":5,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/long-term-two-wheeler-secure-irdan152rp0008v04201617/document/18571#c-b-general-exceptions-applicable-to-all-sections"},{"clause":"4","heading":"Rate of depreciation for all other parts including wooden","page":4,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/long-term-two-wheeler-secure-irdan152rp0008v04201617/document/18571#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/long-term-two-wheeler-secure-irdan152rp0008v04201617/document/18571#c-5"},{"clause":"5","heading":"Any accidental loss or damage or liability directly or indirectly","page":5,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/long-term-two-wheeler-secure-irdan152rp0008v04201617/document/18571#c-5-3"},{"clause":"6","heading":"Any accidental loss damage and/or liability directly or indirectly","page":5,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/long-term-two-wheeler-secure-irdan152rp0008v04201617/document/18571#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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]}],"documents":[{"kind":"wording","label":"Long Term Two Wheeler Secure -UIN : (IRDAN152RP0008V04201617)","pages":25,"fetched_at":"2026-10-17 20:28:43+00","source_url":"https://cms.zurichkotak.com/uploads/LTTWS_Combine_Document_ZK_26_27_v1_13042026_9e69f04ed9.pdf","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/long-term-two-wheeler-secure-irdan152rp0008v04201617/document/18571"},{"kind":"prospectus","label":"Long Term Two Wheeler Secure","pages":7,"fetched_at":"2026-10-17 20:12:32+00","source_url":"https://cms.zurichkotak.com/uploads/Prospectus_Long_Term_Two_Wheeler_Secure_6fcc97ebbb_6412363bd5.pdf","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/long-term-two-wheeler-secure-irdan152rp0008v04201617/document/18268"},{"kind":"cis","label":"Long Term Two Wheeler Secure","pages":11,"fetched_at":"2026-10-17 20:05:12+00","source_url":"https://cms.zurichkotak.com/uploads/LTTW_Secure_CIS_03_10_2024_Final_Website_1c37ff8a1c_023099caa6.pdf","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/long-term-two-wheeler-secure-irdan152rp0008v04201617/document/18131"}],"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":"Long Term Two Wheeler Secure (UIN IRDAN152RP0008V04201617), IndiaInsurances, https://indiainsurances.com/policy/zurich-kotak-general-insurance/long-term-two-wheeler-secure-irdan152rp0008v04201617"}