{"uin":"IRDAN152RP0010V03201516","name":"Two Wheeler Secure","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/two-wheeler-secure-irdan152rp0010v03201516","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":"Two Wheeler Secure is a motor two-wheeler insurance product with own-damage, liability and owner-driver personal accident sections. It uses IDV as the sum insured and offers Road Side Assistance as an add-on when premium is paid and the schedule shows it in force.","analysis":{"state":"machine","analysed_at":"2026-10-20 06:36:55.031224+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 policy sections and an add-on, but do not name plan variants inside the 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 schedule has a blank period of insurance field and the wording refers to the period of insurance, 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 the occurrence of any accident, loss or damage; theft or criminal acts must also be immediately reported to the police.","display":"Immediate written notice to the Company; immediate police notice for theft or criminal act","note":"Delayed intimation may be condoned after the insured provides reasons and the insurer analyses them.","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/two-wheeler-secure-irdan152rp0010v03201516/document/18578#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","Documents as required by AML Guidelines","KYC"],"display":"Claim form, RC copy, driving licence copy, policy copy, FIR copy, estimate of repairs, original repair invoice and payment receipt, AML documents and KYC","note":"The table gives different additional documents for 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 | Claim Form Duly Signed | Claim Form Duly Signed ... R. C. Copy of the Vehicle | R. C. Copy of the Vehicle | R. C. Copy of the Vehicle | R. C. **Copy of the Vehicle ... Driving License Copy | Driving License Copy | Driving License Copy | Driving License Copy ... Policy Copy - (First 2 Pages only) | Policy Copy - (First 2 Pages only) | Policy Copy - (First 2 Pages only) | Policy Copy - (First 2 Pages only) ... FIR Copy | FIR Copy, Untrace Report, Dumping Yard Certificate | FIR Copy | FIR Copy/ Panchnama/ Policy inquest report duly attested by police station ... Estimate of repairs ... Original Repair Invoice, Payment Receipt ... Documents as required by AML Guidelines ... 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/two-wheeler-secure-irdan152rp0010v03201516/document/18578#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 concluded within 7 days after receipt of the final survey report, and settlement is within 7 days after receipt of the final survey report and/or the last relevant and necessary document.","display":"Within 7 days after final survey report and/or last relevant and necessary document","note":"The same claims procedure states surveyor appointment is immediate after intimation and survey report submission is 15 days.","quote":"Claims concluded by the insurer | within 7 days after receipt of final survey report ... 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/two-wheeler-secure-irdan152rp0010v03201516/document/18578#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":["outside the geographical area","contractual liability","being used otherwise than in accordance with the 'Limitations as to Use'","being driven by a 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 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":"Excludes loss outside the geographical area, contractual liability, non-permitted use or driver, consequential loss/wear and tear/breakdown, tyres and tubes unless the vehicle is also damaged, accessory theft unless the vehicle is stolen, radioactivity, nuclear weapons and war risks","note":null,"quote":"Any accidental loss / damage and/or liability caused sustained or incurred outside the geographical area. ... Any claim arising out of any contractual liability. ... Being used otherwise than in accordance with the ... 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 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","sources":[{"clause":null,"heading":"B. GENERAL EXCEPTIONS (Applicable to all Sections of the","page":5,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/two-wheeler-secure-irdan152rp0010v03201516/document/18578#c-b-general-exceptions-applicable-to-all-sections"},{"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/two-wheeler-secure-irdan152rp0010v03201516/document/18578#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/two-wheeler-secure-irdan152rp0010v03201516/document/18578#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/two-wheeler-secure-irdan152rp0010v03201516/document/18578#c-6"}],"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 branch office, toll-free number 1800 2120 or care@zurichkotak.com. If not satisfied, contact 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":"The policy then allows approach to IRDAI through Bima Bharosa and Insurance Ombudsman.","quote":"For resolution of any query or grievance, Insured may contact the respective branch office of the Company or may call toll free number Two Wheeler Secure ; UIN: IRDAN152RP0010V03201516 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 Redressal","page":8,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/two-wheeler-secure-irdan152rp0010v03201516/document/18578#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","transit by road rail inland-waterway lift elevator or air","landslide rockslide"],"display":"Fire/explosion/self-ignition/lightning, burglary/housebreaking/theft, riot and strike, earthquake, flood and storm perils, accidental external means, malicious act, terrorist activity, transit and landslide/rockslide","note":"These are the Section I own-damage perils for loss of or damage to the vehicle.","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/two-wheeler-secure-irdan152rp0010v03201516/document/18578#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 a reason if no claim has arisen; 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 premium for unexpired period; full refund for remaining full policy years if period exceeds one year","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/two-wheeler-secure-irdan152rp0010v03201516/document/18578#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 contains a Geographical Area field and the policy excludes losses outside the geographical area, but the actual base geographic area is not printed in the provided wording.","quote":null,"sources":[],"law":[]},{"key":"cover_types","label":"Cover types","section":"Cover","meaning":"Comprehensive, standalone own damage, third-party only.","status":"quote-verified","value":["Own Damage","Liability"],"display":"Own Damage and Liability","note":"The schedule also shows PA Cover for owner driver under the liability premium table; the documents do not use the labels comprehensive, standalone own damage or third-party only for the base product.","quote":"Section I | Section II\nOwn Damage | Liability","sources":[{"clause":null,"heading":"VEHICLE DETAIL","page":1,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/two-wheeler-secure-irdan152rp0010v03201516/document/18578#c-vehicle-detail"}],"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 insured vehicle for death or bodily injury to any person and damage to third-party property, subject to the limits in the schedule.","display":"Death or bodily injury as necessary under the Motor Vehicle Act, 1988; third-party property damage Rs 6,000 or Rs 1,00,000 as stated in the schedule","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: ... Death of or bodily injury to any person including occupants carried in the insured vehicle ... Damage to property other than property belonging to the Insured or held in trust or in the custody or control of 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/two-wheeler-secure-irdan152rp0010v03201516/document/18578#c-1-2"},{"clause":"1(a)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/two-wheeler-secure-irdan152rp0010v03201516/document/18578#c-1-a"},{"clause":"1(b)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/two-wheeler-secure-irdan152rp0010v03201516/document/18578#c-1-b"},{"clause":null,"heading":"INTERMEDIARY DETAILS","page":1,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/two-wheeler-secure-irdan152rp0010v03201516/document/18578#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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"depreciation","label":"Depreciation on parts","section":"Limits and co-pay","meaning":"How much of the cost of replaced parts you bear because of age (unless you have zero depreciation).","status":"quote-verified","value":"For replacement parts, rubber/nylon/plastic parts, tyres and tubes, batteries and air bags carry 50% depreciation; fibre glass components 30%; glass Nil. Other parts including wooden parts use age-wise rates from Nil for not exceeding 6 months to 50% for exceeding 10 years, and painting has 50% depreciation on material cost.","display":"Rubber/nylon/plastic, tyres/tubes, batteries and air bags 50%; fibre glass 30%; glass Nil; other parts age-wise Nil to 50%; painting 50% on material cost","note":"For a consolidated painting bill, the material component is considered as 25% of total painting charges for applying depreciation.","quote":"For all rubber/ nylon / plastic parts, tyres and tubes, batteries and\nair bags - 50% ... For fibre glass components - 30% ... For all parts made of glass - Nil ... Rate of depreciation for all other parts including wooden parts will ... Not Exceeding 6 months | Nil ... Exceeding 10 years | 50% ... Rate of Depreciation for Painting: In the case of painting, the depreciation rate of 50% shall be applied only on the material cost of total painting charges.","sources":[{"clause":"1","heading":"For all rubber/ nylon / plastic parts, tyres and tubes, batteries and","page":4,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/two-wheeler-secure-irdan152rp0010v03201516/document/18578#c-1"},{"clause":"2","heading":"For fibre glass components - 30%","page":4,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/two-wheeler-secure-irdan152rp0010v03201516/document/18578#c-2"},{"clause":"3","heading":"For all parts made of glass - Nil","page":4,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/two-wheeler-secure-irdan152rp0010v03201516/document/18578#c-3"},{"clause":"4","heading":"Rate of depreciation for all other parts including wooden parts will","page":4,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/two-wheeler-secure-irdan152rp0010v03201516/document/18578#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/two-wheeler-secure-irdan152rp0010v03201516/document/18578#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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"compulsory_deductible","label":"Compulsory deductible","section":"Limits and co-pay","meaning":"Fixed amount you pay on every own-damage claim.","status":"not-stated","value":null,"display":null,"note":"The policy states that the compulsory deductible is in the schedule/endorsement with blanks, but no fixed rupee amount is printed for this product in the provided wording.","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":"Available if opted: the insured may choose a voluntary deductible, with premium reduction, and then bears the first aggregate amount of voluntary and compulsory deductible for each event under Section I.","display":"Optional voluntary deductible; amount opted by insured","note":"The actual voluntary deductible amount is not printed in the wording; it is inserted according to the option chosen.","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 ... the first Rs.........*** ... * To insert voluntary deductible amount opted by the insured","sources":[{"clause":null,"heading":"IMT 22A. VOLUNTARY DEDUCTIBLE","page":17,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/two-wheeler-secure-irdan152rp0010v03201516/document/18578#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":"Owner-driver personal accident cover pays compensation for bodily injury or death connected with the insured vehicle; the aggregate liability is Rs 15 lakhs during any one period of insurance, subject to the owner-driver being the registered owner, the insured named in the policy and holding an effective driving licence.","display":"Owner-driver PA cover up to Rs 15 lakhs","note":null,"quote":"the Company undertakes to pay compensation as per the following scale for bodily injury/ death sustained by the owner-driver of the vehicle ... the total liability of the insurer shall not in the aggregate exceed the sum of ` 15 lakhs during any one period of insurance. ... 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":"PERSONAL ACCIDENT COVER FOR OWNER","page":5,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/two-wheeler-secure-irdan152rp0010v03201516/document/18578#c-section-iii"},{"clause":"1","heading":"The compensation shall be payable under only one of the items (i)","page":5,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/two-wheeler-secure-irdan152rp0010v03201516/document/18578#c-1-3"},{"clause":"4","heading":"This cover is subject to","page":5,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/two-wheeler-secure-irdan152rp0010v03201516/document/18578#c-4-3"}],"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":["Road Side Assistance"],"display":"Road Side Assistance","note":"Add-on covers apply only if the applicable premium is paid in full and the schedule specifies that the cover is in force.","quote":"The Add-on Covers available under the Policy are described below. ... ADD-ON 1. Road Side Assistance This cover is applicable if it is shown on Your schedule.","sources":[{"clause":"Annexure I","heading":null,"page":9,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/two-wheeler-secure-irdan152rp0010v03201516/document/18578#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 repair is available if cashless facility is confirmed; the vehicle is repaired at a cashless garage and payment is made directly to the garage.","display":"Yes, on cashless facility confirmation at a cashless garage","note":"The insured pays the deductible and depreciation value etc. as informed by the surveyor.","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":"11","heading":"Multiple policies involving Bank or other lending or financing","page":7,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/two-wheeler-secure-irdan152rp0010v03201516/document/18578#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":["used otherwise than in accordance with the Schedule","use for hire or reward, tuition, racing, pace making, reliability trial, speed testing, carriage of goods","driving without an effective Driving License","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","outside the geographical area","contractual liability","war, invasion, the act of foreign enemies, hostilities or warlike operations"],"display":"No cover for non-permitted use, hire/reward/tuition/racing/speed testing/carriage of goods, invalid driver, intoxication, wear and tear/breakdown, tyres/tubes unless vehicle is also damaged, accessory theft unless vehicle stolen, outside geographical area, contractual liability and war risks","note":null,"quote":"The Insured is not indemnified if the vehicle is used or driven otherwise than in accordance with the Schedule. ... The Policy does not cover use for hire or reward, tuition, racing, pace making, reliability trial, speed testing, carriage of goods ... Provided that a person driving hold an effective Driving License at the time of accident and is not disqualified from holding or obtaining such a license. ... 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. ... outside the geographical area. ... contractual liability. ... war, invasion, the act of foreign enemies, hostilities or warlike operations","sources":[{"clause":null,"heading":"INTERMEDIARY DETAILS","page":1,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/two-wheeler-secure-irdan152rp0010v03201516/document/18578#c-intermediary-details"},{"clause":"Section I","heading":"LOSS OF OR DAMAGE TO THE VEHICLE","page":4,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/two-wheeler-secure-irdan152rp0010v03201516/document/18578#c-section-i"},{"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/two-wheeler-secure-irdan152rp0010v03201516/document/18578#c-5"},{"clause":null,"heading":"B. GENERAL EXCEPTIONS (Applicable to all Sections of the","page":5,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/two-wheeler-secure-irdan152rp0010v03201516/document/18578#c-b-general-exceptions-applicable-to-all-sections"},{"clause":"6","heading":"Any accidental loss damage and/or liability directly or indirectly","page":5,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/two-wheeler-secure-irdan152rp0010v03201516/document/18578#c-6"}],"law":[]},{"key":"sum_insured_basis","label":"Sum insured basis","section":"Cover","meaning":"How the cover amount is set: market value, reinstatement value, agreed value, IDV.","status":"quote-verified","value":"The cover amount is based on IDV: the vehicle's IDV is deemed the sum insured, fixed for each one-year block using the manufacturer's listed selling price at insurance/renewal and adjusted for depreciation. For total loss, CTL and cash-loss claims, IDV is treated as the market value.","display":"IDV, based on manufacturer's listed selling price adjusted for depreciation and treated as market value for TL/CTL/cash-loss","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 each one year block at the commencement of contract for each insured vehicle. The IDV of the vehicle (and side car/accessories, if any, fitted to the vehicle) is to be fixed on the basis of manufacturer's listed selling price ... and adjusted for depreciation ... IDV shall be treated as the “Market Value” throughout the policy period","sources":[{"clause":"Section I(c)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/two-wheeler-secure-irdan152rp0010v03201516/document/18578#c-section-i-c"},{"clause":"4","heading":"Rate of depreciation for all other parts including wooden parts will","page":4,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/two-wheeler-secure-irdan152rp0010v03201516/document/18578#c-4"}],"law":[]}],"documents":[{"kind":"wording","label":"Two Wheeler Secure -UIN : (IRDAN152RP0010V03201516)","pages":24,"fetched_at":"2026-10-17 20:28:49+00","source_url":"https://cms.zurichkotak.com/uploads/Two_Wheeler_Secure_Combine_Document_ZK_26_27_v1_13042026_8496e9a3dd.pdf","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/two-wheeler-secure-irdan152rp0010v03201516/document/18578"},{"kind":"prospectus","label":"Two Wheeler Secure","pages":5,"fetched_at":"2026-10-17 20:12:42+00","source_url":"https://cms.zurichkotak.com/uploads/Prospectus_Two_Wheeler_Secure_099f0ca870_cddac9e35d.pdf","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/two-wheeler-secure-irdan152rp0010v03201516/document/18272"},{"kind":"cis","label":"Two Wheeler Secure","pages":8,"fetched_at":"2026-10-17 20:05:28+00","source_url":"https://cms.zurichkotak.com/uploads/TW_Secure_CIS_03_10_2024_Final_Website_1f8b3f020c_55ab5be49d.pdf","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/two-wheeler-secure-irdan152rp0010v03201516/document/18139"}],"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":"Two Wheeler Secure (UIN IRDAN152RP0010V03201516), IndiaInsurances, https://indiainsurances.com/policy/zurich-kotak-general-insurance/two-wheeler-secure-irdan152rp0010v03201516"}