{"uin":"IRDAN152RP0010V04201819","name":"Car Secure - Bundled","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/car-secure-bundled-irdan152rp0010v04201819","insurer":{"slug":"zurich-kotak-general-insurance","name":"Zurich Kotak General Insurance Company (India) Limited","url":"https://indiainsurances.com/insurer/zurich-kotak-general-insurance"},"line":"general","category":"motor-car","category_name":"Car insurance","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Car Secure - Bundled is a private car motor policy with own-damage, third-party liability and owner-driver personal accident cover of Rs 15,00,000. It offers add-ons such as Depreciation Cover, Consumables Cover, Engine Protect, Return to Invoice, Road Side Assistance, Pay As you Drive and EV Protect, and says claim settlement is within 7 days after the final survey report and/or last necessary document.","analysis":{"state":"machine","analysed_at":"2026-10-20 06:35:55.401096+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":"No named plan variants are stated; the documents describe one bundled private car product and optional add-on covers.","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 blank From/To fields for Own Damage, Third Party Liability, optional PA covers and Compulsory PA; it does not print a fixed policy duration.","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 accidental loss or damage. For theft or a criminal act, immediate notice must also be given to the police.","display":"Immediate written notice to the Company; immediate police notice for theft or criminal act","note":"The policy allows the insurer to condone delay after analysing reasons provided by the insured.","quote":"Notice shall be given in writing to the Company immediately upon the occurrence of any accidental loss or damage in the event of any claim ... In case of theft or criminal act which may be the subject of a claim under this Policy the insured shall give immediate notice to the police","sources":[{"clause":null,"heading":"CONDITIONS","page":5,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/car-secure-bundled-irdan152rp0010v04201819/document/18235#c-conditions"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Claim Form Duly Signed","R. C. Copy of the Vehicle","Driving License Copy","Policy Copy - (First 2 Pages only)","FIR Copy","Estimate of repairs","Original Repair Invoice, Payment Receipt","Letter of Indemnity and Subrogation","Documents as required by AML Guidelines","KYC","MACT / Legal Notice","For Accidental Death Claim: Original Death Certificate","For Disablement Claim: Treating Medical Practitioner’s certificate describing the disablement"],"display":"Claim form, RC, driving licence, policy copy, FIR and claim-specific repair, theft, third-party or personal-accident documents","note":"The clause says the Company may request any other documents on a case-to-case basis.","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\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 | NOC from Finance Company (If Hypothecated) | MACT / Legal Notice | Copy of Medico Legal Certificate duly attested by the concerned Hospital\nOriginal Repair Invoice, Payment Receipt | Letter of Indemnity and Subrogation | Documents as required by AML Guidelines\nLetter of Indemnity and Subrogation | Documents as required by AML Guidelines | KYC\nDocuments as required by AML Guidelines | KYC | For Accidental Death Claim:\nKYC | Previous Insurance details | Original Death Certificate ... For Disablement Claim:\nBlank and Undated “Vakalatnama” | Treating Medical Practitioner’s certificate describing the disablement","sources":[{"clause":null,"heading":"Claim Documents","page":7,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/car-secure-bundled-irdan152rp0010v04201819/document/18235#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":"quote-verified","value":["Consequential loss, depreciation, wear and tear, mechanical or electrical breakdown, failures or breakages","Damage to tyres and tubes unless the vehicle is damaged at the same time","under the influence of intoxicating liquor or drugs","outside the geographical area","Any claim arising out of any contractual liability","Being used otherwise than in accordance with the 'Limitations as to Use'","any person other than a Driver as stated in the Driver's Clause","ionising radiations or contamination by radioactivity","nuclear weapons material","war, invasion, the act of foreign enemies, hostilities or warlike operations","Intentional self-injury suicide or attempted suicide physical defect or infirmity"],"display":"Wear and tear/breakdown, tyres and tubes unless vehicle also damaged, intoxication, outside geographical area, contractual liability, wrong use or driver, nuclear/radiation, war and self-injury for PA","note":null,"quote":"a) Consequential loss, depreciation, wear and tear, mechanical or electrical breakdown, failures or breakages; ... b) Damage to tyres and tubes unless the vehicle is damaged at the same time in which case the liability of the company shall be limited to 50% of the cost of replacement; and ... c) Any accidental loss or damage suffered whilst the insured or any person driving the vehicle with the knowledge and consent of the insured is under the influence of intoxicating liquor or drugs ... Any accidental loss or damage and/or liability caused sustained or\nincurred outside the geographical area; ... Any claim arising out of any contractual liability; ... Being used otherwise than in accordance with the 'Limitations as to Use'. Or ... Being driven by or is for the purpose of being driven by him/her in the charge of any person other than a Driver as stated in the Driver's Clause. ... Any liability of whatsoever nature directly or indirectly caused by or contributed to by or arising from ionising radiations or contamination by radioactivity ... caused by or contributed to by or arising from nuclear weapons material. ... war, invasion, the act of foreign enemies, hostilities or warlike operations ... a) Intentional self-injury suicide or attempted suicide physical defect or infirmity","sources":[{"clause":"5(a)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/car-secure-bundled-irdan152rp0010v04201819/document/18235#c-5-a"},{"clause":"5(b)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/car-secure-bundled-irdan152rp0010v04201819/document/18235#c-5-b"},{"clause":"5(c)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/car-secure-bundled-irdan152rp0010v04201819/document/18235#c-5-c"},{"clause":"1","heading":"Any accidental loss or damage and/or liability caused sustained or","page":5,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/car-secure-bundled-irdan152rp0010v04201819/document/18235#c-1-2"},{"clause":"2","heading":null,"page":5,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/car-secure-bundled-irdan152rp0010v04201819/document/18235#c-2-2"},{"clause":"3","heading":"Any accidental loss damage and/or liability caused sustained or","page":5,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/car-secure-bundled-irdan152rp0010v04201819/document/18235#c-3-2"},{"clause":"4(b)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/car-secure-bundled-irdan152rp0010v04201819/document/18235#c-4-b"},{"clause":"5","heading":"Any accidental loss or damage or liability directly or indirectly","page":5,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/car-secure-bundled-irdan152rp0010v04201819/document/18235#c-5-2"},{"clause":"6","heading":"Any accidental loss damage and/or liability directly or indirectly","page":5,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/car-secure-bundled-irdan152rp0010v04201819/document/18235#c-6"},{"clause":"6(a)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/car-secure-bundled-irdan152rp0010v04201819/document/18235#c-6-a"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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","bodily injury/ death sustained by the owner-driver"],"display":"Own damage perils, third-party death/injury/property damage and owner-driver personal accident","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 ... Death of or bodily injury to any person ... Damage to property other than property belonging to the insured or held in trust or in the custody or control of the insured. ... The Company undertakes to pay compensation as per the following scale for bodily injury/ death sustained by the owner-driver of the vehicle","sources":[{"clause":"Section I","heading":"LOSS OF OR DAMAGE TO THE VEHICLE","page":4,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/car-secure-bundled-irdan152rp0010v04201819/document/18235#c-section-i"},{"clause":"5(a)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/car-secure-bundled-irdan152rp0010v04201819/document/18235#c-5-a-2"},{"clause":"5(b)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/car-secure-bundled-irdan152rp0010v04201819/document/18235#c-5-b-2"},{"clause":"Section III","heading":"PERSONAL ACCIDENT COVER FOR OWNER","page":5,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/car-secure-bundled-irdan152rp0010v04201819/document/18235#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. 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 unexpired premium for the running year; full refund for remaining full policy years if no claim and proof of other liability cover 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 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/car-secure-bundled-irdan152rp0010v04201819/document/18235#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 policy schedule field for Geographical Area is blank, and the policy otherwise only excludes losses outside the geographical area; it does not state the base geographical area.","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","Personal Accident"],"display":"Bundled package with Own Damage, Liability and Personal Accident sections","note":"The documents call the product Car Secure - Bundled; the schedule shows Own Damage, Liability and Personal Accident sections.","quote":"Section I | Section II\nOwn Damage | Liability ... Section III\nMeter (Switch On/ Switch Off) Add on Cover discount | 00 | Personal Accident ... CAR SECURE - BUNDLED; UIN: IRDAN152RP0010V04201819","sources":[{"clause":null,"heading":"PREMIUM COMPUTATION TABLE","page":1,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/car-secure-bundled-irdan152rp0010v04201819/document/18235#c-premium-computation-table"}],"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 legal liability for death of or bodily injury to any person, including occupants not carried for hire or reward, and damage to property other than property belonging to or controlled by the insured. The schedule states death or bodily injury amounts as necessary to meet the Motor Vehicle Act and third-party property damage as <6,000 or 7,50,000>.","display":"Death/bodily injury as required by the Motor Vehicle Act; property damage <6,000 or 7,50,000>","note":null,"quote":"Under Section II - 1(I) of the policy -> Death of or bodily injury: Such amounts is necessary to meet their requirements of Motor Vehicle Act, 1988 as amended from time to time. Under Section II- 1(ii) of the policy -> Damage to Third Party Property <6,000 or 7,50,000>; and/or as amended from time to time ... Death of or bodily injury to any person including occupants carried in the vehicle (provided such occupants are not carried for hire or reward) ... Damage to property other than property belonging to the insured or held in trust or in the custody or control of the insured.","sources":[{"clause":null,"heading":"PREMIUM COMPUTATION TABLE","page":1,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/car-secure-bundled-irdan152rp0010v04201819/document/18235#c-premium-computation-table"},{"clause":"5(a)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/car-secure-bundled-irdan152rp0010v04201819/document/18235#c-5-a-2"},{"clause":"5(b)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/car-secure-bundled-irdan152rp0010v04201819/document/18235#c-5-b-2"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"ncb","label":"No-claim bonus","section":"Cover","meaning":"Discount on own-damage premium for claim-free years (20% to 50%).","status":"not-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 wording says the deductible is stated in the schedule, but the specimen schedule leaves the compulsory deductible amount blank.","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 can be opted for private cars; in consideration, a reduction in premium under Section 1 is allowed and the insured bears the aggregate of the voluntary and compulsory deductibles for each event.","display":"Optional voluntary deductible under Section 1; amount as opted","note":"The document uses blanks for the chosen rupee amount; the actual voluntary deductible is policy-schedule specific.","quote":"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","sources":[{"clause":null,"heading":"IMT 22A. VOLUNTARY DEDUCTIBLE","page":28,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/car-secure-bundled-irdan152rp0010v04201819/document/18235#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":"Compulsory owner-driver PA cover pays compensation for accidental bodily injury or death in direct connection with the insured vehicle, including driving, mounting/dismounting or travelling as co-driver. It is subject to the owner-driver being the registered owner, named insured and holding an effective driving licence, with total liability not exceeding Rs 15 lakhs in one period of insurance.","display":"Owner-driver PA cover CSI 15,00,000, subject to registered owner/named insured/effective driving licence","note":null,"quote":"PA Cover under Section III: for Owner Driver CSI 15,00,000 ... The Company undertakes to pay compensation as per the following scale for bodily injury/ death sustained by the owner-driver of the vehicle, in direct connection with the vehicle insured or whilst driving or mounting into/dismounting from the vehicle insured or whilst traveling in it as a co-driver ... This cover is subject to\ni) The owner-driver is the registered owner of the vehicle insured herein;\nii) The owner-driver is the insured named in this policy.\niii) The owner-driver holds an effective driving license ... the total liability of the insurer shall not in the aggregate exceed the sum of ` 15 lakhs during any one period of insurance.","sources":[{"clause":null,"heading":"PREMIUM COMPUTATION TABLE","page":1,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/car-secure-bundled-irdan152rp0010v04201819/document/18235#c-premium-computation-table"},{"clause":"Section III","heading":"PERSONAL ACCIDENT COVER FOR OWNER","page":5,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/car-secure-bundled-irdan152rp0010v04201819/document/18235#c-section-iii"},{"clause":"6","heading":"Any accidental loss damage and/or liability directly or indirectly","page":5,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/car-secure-bundled-irdan152rp0010v04201819/document/18235#c-6"}],"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","Road Side Assistance","Key Replacement","Loss of personal belongings","Tyre Cover","Daily Car Allowance","NCB Protect","Hospital Cash Benefit","Emergency Hotel and Taxi Expenses","EMI Protect","Courtesy Car Reimbursement","Additional Towing charges","Medical Expenses due to Accident","Loan Protect","Meter (Switch On/ Switch Off) Cover","Voluntary Deductible Protect","Battery Protect","Clutch Protect","Pay As you Drive","EV Protect"],"display":"23 add-ons including depreciation, consumables, engine protect, return to invoice, roadside assistance, NCB protect, Pay As you Drive and EV Protect","note":"These are optional add-on covers shown in the policy schedule/add-on details table.","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\nCAR SECURE - BUNDLED; UIN: IRDAN152RP0010V04201819\n5 | Road Side Assistance\n6 | Key Replacement\n7 | Loss of personal belongings\n8 | Tyre Cover\n9 | Daily Car Allowance | Maximum Number of Days – 10 days (15 days in case of theft/ total loss claim) Per Day Allowance - __\n10 | NCB Protect\n11 | Hospital Cash Benefit | Maximum Number of Days – days __ Per Day Benefit - __\n12 | Emergency Hotel and Taxi Expenses | Per occurrence limit of 50% of the Sum Insured\n13 | EMI Protect | Amount Opted - __ Maximum Number of EMI - __\n14 | Courtesy Car Reimbursement | Maximum Number of Days – days __ Per Day Benefit - __\n15 | Additional Towing charges\n16 | Medical Expenses due to Accident | Cover For: Owner Driver/ All Occupants\n17 | Loan Protect\n18 | Meter (Switch On/ Switch Off) Cover\n19 | Voluntary Deductible Protect | The Voluntary Deductible as opted will be waived off in the event of a claim availed at one of the Company’s preferred garages. For complete list of preferred garages, please refer to our website – www.zurichkotak.com/\n20 | Battery Protect | _____ No. of Claims: ___\n21 | Clutch Protect | Sum Insured: ___\n22 | Pay As you Drive | Kilometer Slab Opted: _________ Odometer Reading Captured: ______________\n23 | EV Protect","sources":[{"clause":null,"heading":"PREMIUM COMPUTATION TABLE","page":1,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/car-secure-bundled-irdan152rp0010v04201819/document/18235#c-premium-computation-table"}],"law":[]},{"key":"cashless_garages","label":"Cashless garages","section":"Claims","meaning":"Whether repairs can be cashless at network garages.","status":"quote-verified","value":"Yes. On cashless facility confirmation, the vehicle is repaired at a cashless garage and payment is made directly to the garage; the insured pays the deductible and depreciation value as informed by the surveyor.","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.\n• You will only have to pay the deductible as mentioned in the policy and the depreciation value, etc. as informed by the surveyor.","sources":[{"clause":"11","heading":"Multiple policies involving Bank or other lending or financing","page":7,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/car-secure-bundled-irdan152rp0010v04201819/document/18235#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":["Hire or reward","Carriage of goods (other than samples or personal luggage)","Organized racing","Pace making","Speed testing","Reliability trails","Use in connection with Motor Trade","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 is damaged at the same time","outside the geographical area","Any claim arising out of any contractual liability","war, invasion, the act of foreign enemies, hostilities or warlike operations"],"display":"No hire/reward, goods carriage, racing/pace/speed/reliability trials, motor trade use, invalid driver/licence, intoxication, wear and tear/breakdown, tyres alone, outside geographical area, contractual liability and war","note":null,"quote":"The policy covers use of the vehicle for any purpose other than: (a) Hire or reward (b) Carriage of goods (other than samples or personal luggage) (c) Organized racing (d) Pace making (e) Speed testing (f) Reliability trails (g) Use in connection with Motor Trade. ... 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. ... a) Consequential loss, depreciation, wear and tear, mechanical or electrical breakdown, failures or breakages; ... b) Damage to tyres and tubes unless the vehicle is damaged at the same time ... c) Any accidental loss or damage suffered whilst the insured or any person driving the vehicle with the knowledge and consent of the insured is under the influence of intoxicating liquor or drugs ... Any accidental loss or damage and/or liability caused sustained or\nincurred outside the geographical area; ... Any claim arising out of any contractual liability; ... war, invasion, the act of foreign enemies, hostilities or warlike operations","sources":[{"clause":null,"heading":"PREMIUM COMPUTATION TABLE","page":1,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/car-secure-bundled-irdan152rp0010v04201819/document/18235#c-premium-computation-table"},{"clause":"5(a)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/car-secure-bundled-irdan152rp0010v04201819/document/18235#c-5-a"},{"clause":"5(b)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/car-secure-bundled-irdan152rp0010v04201819/document/18235#c-5-b"},{"clause":"5(c)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/car-secure-bundled-irdan152rp0010v04201819/document/18235#c-5-c"},{"clause":"1","heading":"Any accidental loss or damage and/or liability caused sustained or","page":5,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/car-secure-bundled-irdan152rp0010v04201819/document/18235#c-1-2"},{"clause":"2","heading":null,"page":5,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/car-secure-bundled-irdan152rp0010v04201819/document/18235#c-2-2"},{"clause":"6","heading":"Any accidental loss damage and/or liability directly or indirectly","page":5,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/car-secure-bundled-irdan152rp0010v04201819/document/18235#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":"Car Secure – Bundled UIN: (IRDAN152RP0010V04201819)","pages":35,"fetched_at":"2026-10-17 20:10:24+00","source_url":"https://cms.zurichkotak.com/uploads/Car_Secure_Bundled_Combine_ZK_V1_071026_c41de7861d.pdf","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/car-secure-bundled-irdan152rp0010v04201819/document/18235"},{"kind":"prospectus","label":"Car Secure – bundled","pages":9,"fetched_at":"2026-10-17 20:10:22+00","source_url":"https://cms.zurichkotak.com/uploads/Annexure_1_Prospectus_EV_P_Add_on_CS_Bundled_f9dfd62e8f_9003771547.pdf","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/car-secure-bundled-irdan152rp0010v04201819/document/18230"},{"kind":"cis","label":"Car Secure - Bundled","pages":16,"fetched_at":"2026-10-17 20:03:32+00","source_url":"https://cms.zurichkotak.com/uploads/Annexure_3_CIS_EV_P_Add_on_CS_Bundled_9acd1a422f_4b1da503c4.pdf","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/car-secure-bundled-irdan152rp0010v04201819/document/18100"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Zurich Kotak General Insurance ( ) official website","url":"https://www.zurichkotak.com/","note":"Buy directly from the insurer."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"insurer","name":"Claims","url":"https://www.zurichkotak.com/services/claims","note":null},{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"insurer","name":"Grievance redressal process","url":"https://www.zurichkotak.com/customer-support/grievance-redressal-process","note":null},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"renew","kind":"insurer","name":"Renewals","url":"https://www.zurichkotak.com/renewal","note":null}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"Car Secure - Bundled (UIN IRDAN152RP0010V04201819), IndiaInsurances, https://indiainsurances.com/policy/zurich-kotak-general-insurance/car-secure-bundled-irdan152rp0010v04201819"}