{"uin":"IRDAN152RP0012V03201920","name":"Car Secure – OD Only","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/car-secure-od-only-irdan152rp0012v03201920","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 - OD Only is a private car standalone own-damage policy for loss or damage to the insured vehicle. The policy term is 1 year only, and the insurance coverage provided under the policy does not cover third-party liability.","analysis":{"state":"machine","analysed_at":"2026-10-20 06:35:50.993734+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; add-on covers are listed separately.","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":"quote-verified","value":"Policy shall be issued for a period of 1 year only or such other period as may be prescribed by regulations.","display":"1 year only or such other period as prescribed by regulations","note":null,"quote":"Policy Period:\nPolicy shall be issued for a period of 1 year only or such other period as maybe prescribed by the Regulation(s).","sources":[{"clause":"6(e)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/car-secure-od-only-irdan152rp0012v03201920/document/18231#c-6-e"}],"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 accidental loss or damage. For theft or a criminal act, immediate notice must also be given to the police.","display":"Immediately upon accidental loss or damage; immediate police notice for theft or criminal act","note":null,"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 and thereafter the insured shall give all such information and assistance as the Company shall require. ... 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 and cooperate with the Company in securing the conviction of the offender.","sources":[{"clause":null,"heading":"CONDITIONS","page":5,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/car-secure-od-only-irdan152rp0012v03201920/document/18231#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","FIR Copy, Untrace Report, Dumping Yard Certificate","NOC from Finance Company (If Hypothecated)","Previous Insurance details","Acknowledged copy of letter addressed to RTO intimating theft and making vehicle “NON - USE”","The Company may request for any other documents, if required on case to case basis."],"display":"Claim form, RC copy, driving licence, policy copy, FIR, repair estimate/invoices, AML/KYC documents; additional theft documents and any other documents if required","note":"The quoted table also lists documents for third-party and personal accident claims.","quote":"For Accident Claims | For Theft Claims | For Third Party Claims | For Personal Accident Claims\nClaim Form Duly Signed | Claim Form Duly Signed | Claim Form Duly Signed\nR. C. Copy of the Vehicle | R. C. Copy of the Vehicle | R. C. Copy of the Vehicle | R. C. **Copy of the Vehicle\nDriving License Copy | Driving License Copy | Driving License Copy | Driving License Copy\nPolicy Copy - (First 2 Pages only) | Policy Copy - (First 2 Pages only) | Policy Copy - (First 2 Pages only) | Policy Copy - (First 2 Pages only)\nFIR Copy | FIR Copy, Untrace Report, Dumping Yard Certificate | FIR Copy | FIR Copy/ Panchnama/ Policy inquest report duly attested by police station\nEstimate of repairs | 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\nAcknowledged copy of letter addressed to RTO intimating theft and making vehicle “NON - USE” ... The Company may request for any other documents, if required on case to case basis.","sources":[{"clause":null,"heading":"Claim Documents","page":6,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/car-secure-od-only-irdan152rp0012v03201920/document/18231#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":"For reimbursement, payment is within 7 days of completion of documentation. The claims TAT states claims are 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 of completion of documentation; settlement within 7 days after final survey report and/or last relevant document","note":null,"quote":"In case of reimbursement process, you will have to submit documents to Zurich Kotak General Insurance Company (India) Limited, and we will make the payment within 7 days of completion of documentation ... 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":"14","heading":"Claim Procedure","page":6,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/car-secure-od-only-irdan152rp0012v03201920/document/18231#c-14"}],"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","Driving under the influence of intoxicating liquor or drugs","Accidental loss or damage and/or liability outside the geographical area","Any claim arising out of any contractual liability","Vehicle used otherwise than in accordance with the 'Limitations as to Use'","Vehicle driven by or in the charge of any person other than a Driver as stated in the Driver's Clause","Consequential loss","Ionising radiations or contamination by radioactivity","Nuclear weapons material","War, invasion, hostilities, civil war, mutiny rebellion, military or usurped power"],"display":"Wear and tear/breakdown, tyres and tubes unless vehicle is also damaged, drunk driving, outside geographical area, contractual liability, use or driver not permitted, consequential loss, radiation, nuclear weapons, war and similar perils","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; ... Any accidental loss damage and/or liability caused sustained or\nincurred whilst the vehicle insured herein is\na) Being used otherwise than in accordance with the 'Limitations as to Use'. Or\nb) Being driven by or is for the purpose of being driven by him/her in the charge of any person other than a Driver as stated in the Driver's Clause. ... Any accidental loss or damage to any property whatsoever or any loss or expense whatsoever resulting or arising there from or any consequential loss ... Any liability of whatsoever nature directly or indirectly caused by or contributed to by or arising from ionising radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel. ... caused by or contributed to by or arising from nuclear weapons material. ... arising out of or in connection with war, invasion, the act of foreign enemies, hostilities or warlike operations","sources":[{"clause":"Section I(a)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/car-secure-od-only-irdan152rp0012v03201920/document/18231#c-section-i-a-3"},{"clause":"Section I(b)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/car-secure-od-only-irdan152rp0012v03201920/document/18231#c-section-i-b-3"},{"clause":"Section I(c)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/car-secure-od-only-irdan152rp0012v03201920/document/18231#c-section-i-c-3"},{"clause":"1","heading":"Any accidental loss or damage and/or liability caused sustained or","page":4,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/car-secure-od-only-irdan152rp0012v03201920/document/18231#c-1"},{"clause":"2","heading":null,"page":4,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/car-secure-od-only-irdan152rp0012v03201920/document/18231#c-2"},{"clause":"3","heading":"Any accidental loss damage and/or liability caused sustained or","page":4,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/car-secure-od-only-irdan152rp0012v03201920/document/18231#c-3"},{"clause":"4(a)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/car-secure-od-only-irdan152rp0012v03201920/document/18231#c-4-a"},{"clause":"4(b)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/car-secure-od-only-irdan152rp0012v03201920/document/18231#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-od-only-irdan152rp0012v03201920/document/18231#c-5"},{"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-od-only-irdan152rp0012v03201920/document/18231#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":"For a query or grievance, 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 or the Insurance Ombudsman.","display":"Branch office / 1800 2120 / care@zurichkotak.com, then Grievance Officer, then senior/chief grievance officer","note":null,"quote":"For resolution of any query or grievance, Insured may contact the respective branch office of the Company or may call toll free number 1800 2120 or may write an e- mail at care@zurichkotak.com. In case the Insured is not satisfied with the response, Insured may contact\nthe Grievance | Officer | of | the | Company | at\ngrievanceofficer@zurichkotak.com. In case if the Insured is not satisfied with the solution the Grievance Officer has provided, Insured\ncan write | to | seniorgrievanceofficer@zurichkotak.com/\nchiefgrievanceofficer@zurichkotak.com.","sources":[{"clause":null,"heading":"GRIEVANCE REDRESSAL","page":7,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/car-secure-od-only-irdan152rp0012v03201920/document/18231#c-grievance-redressal"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"perils","label":"What is covered","section":"Cover","meaning":"The events or risks covered.","status":"quote-verified","value":["fire explosion self-ignition or lightning","burglary housebreaking or theft","riot and strike","earthquake (fire and shock damage)","flood typhoon hurricane storm tempest inundation cyclone hailstorm frost","accidental external means","malicious act","terrorist activity","whilst in transit by road rail inland-waterway lift elevator or air","landslide rockslide"],"display":"Fire/explosion/self-ignition/lightning; burglary/housebreaking/theft; riot and strike; earthquake; flood and storm perils; accidental external means; malicious act; terrorist activity; transit; landslide/rockslide","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","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-od-only-irdan152rp0012v03201920/document/18231#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 during the period of insurance. The refund is proportionate premium for the unexpired period in the running year and full refund for remaining full policy years where the period exceeds one year.","display":"Proportionate premium for unexpired period if no claim has arisen; full refund for remaining full policy years where applicable","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).","sources":[{"clause":"7(II)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/car-secure-od-only-irdan152rp0012v03201920/document/18231#c-7-ii"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"not-stated","value":null,"display":null,"note":"The specimen schedule has a blank 'Geographical Area' field and the wording only excludes losses outside the 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":["standalone own damage"],"display":"Standalone own damage","note":null,"quote":"The insurance coverage provided under this Policy is only for Own Damage of the Vehicle and does not cover any other liability/third party liability in respect of the insured vehicle.","sources":[{"clause":"Part I","heading":"Policy Schedule","page":1,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/car-secure-od-only-irdan152rp0012v03201920/document/18231#c-part-i"}],"law":[]},{"key":"third_party","label":"Third-party liability","section":"Cover","meaning":"Compulsory cover for injury, death or property damage to others. Unlimited for death and injury.","status":"quote-verified","value":"Third-party liability is not covered under this policy. The customer needs to ensure that there is a valid TP cover at all times.","display":"Not covered; valid TP cover must be maintained separately","note":null,"quote":"The insurance coverage provided under this Policy is only for Own Damage of the Vehicle and does not cover any other liability/third party liability in respect of the insured vehicle. ... Customer needs to ensure that there is a valid TP cover at all times.","sources":[{"clause":"Part I","heading":"Policy Schedule","page":1,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/car-secure-od-only-irdan152rp0012v03201920/document/18231#c-part-i"}],"law":[{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch V, I, Paras 1 to 4","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch V, I, Para 7","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 146","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 147","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 150","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 157","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 164","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 161","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 166(3)","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 162","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"idv","label":"Insured declared value (IDV)","section":"Cover","meaning":"The vehicle's insured value: maximum paid for theft or total loss.","status":"quote-verified","value":"The Insured's Declared Value of the vehicle is deemed to be the sum insured, fixed at the commencement of each policy period. For total loss, constructive total loss or cash-loss, liability is the IDV specified in the Schedule less the value of the wreck.","display":"IDV is the sum insured; total loss/CTL/cash-loss paid up to IDV less wreck value","note":null,"quote":"The Insured's Declared Value (IDV) of the vehicle will be deemed to be the 'SUM INSURED' for the purpose of this policy which is fixed at the commencement of each policy period for the insured vehicle. ... For total loss / constructive total loss/cash-loss of the vehicle\n- the Insured's Declared Value (IDV) of the vehicle (including accessories thereon) as specified in the Schedule less the value of the wreck.","sources":[{"clause":"Section I(c)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/car-secure-od-only-irdan152rp0012v03201920/document/18231#c-section-i-c"},{"clause":"6(a)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/car-secure-od-only-irdan152rp0012v03201920/document/18231#c-6-a"}],"law":[]},{"key":"depreciation","label":"Depreciation on parts","section":"Limits and co-pay","meaning":"How much of the cost of replaced parts you bear because of age (unless you have zero depreciation).","status":"quote-verified","value":"For replaced parts, rubber/nylon/plastic parts, tyres and tubes, batteries and air bags are depreciated 50%; fibre glass components 30%; glass nil. All other parts, including wooden parts, follow the age-wise schedule, and painting depreciation of 50% applies only on material cost.","display":"50% for rubber/nylon/plastic/tyres/tubes/batteries/air bags; 30% fibre glass; nil glass; other parts by age; painting 50% on material cost","note":"The OCR interleaves the parts-depreciation text with the IDV depreciation table; the specimen wording does not provide a clean separate table in the extracted clauses.","quote":"a) For all rubber/ nylon/ plastic parts, tyres and tubes, batteries\nExceeding 6 months but not exceeding 1 year | 15%\nand air bags - 50% ... b) For fibre glass components – 30% ... c) For all parts made of glass – Nil ... d) Rate of depreciation for all other parts including wooden\nExceeding 4 years but not exceeding 5 years | 50%\nparts will be as per the following schedule. ... 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":"Section I(a)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/car-secure-od-only-irdan152rp0012v03201920/document/18231#c-section-i-a-2"},{"clause":"Section I(b)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/car-secure-od-only-irdan152rp0012v03201920/document/18231#c-section-i-b-2"},{"clause":"Section I(c)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/car-secure-od-only-irdan152rp0012v03201920/document/18231#c-section-i-c-2"},{"clause":"Section I(d)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/car-secure-od-only-irdan152rp0012v03201920/document/18231#c-section-i-d"},{"clause":"Section I(e)","heading":"Rate of Depreciation for Painting","page":4,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/car-secure-od-only-irdan152rp0012v03201920/document/18231#c-section-i-e"}],"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 schedule has a blank 'Compulsory Deductibles' field and the IMT endorsement uses blanks for the amount to be inserted.","quote":null,"sources":[],"law":[]},{"key":"deductible","label":"Voluntary deductible","section":"Limits and co-pay","meaning":"An extra amount per claim you choose to bear for a lower premium.","status":"quote-verified","value":"A voluntary deductible may be opted for a reduction in premium; in return, the insured bears the first aggregate amount of the voluntary deductible and compulsory deductible for each event under Section I.","display":"Optional voluntary deductible per event for a premium reduction","note":"The deductible amount is to be inserted as opted and is not printed as a fixed amount in the specimen wording.","quote":"It is by declared and agreed that the insured having opted a voluntary deductible of Rs. ............* a reduction in premium of Rs. .......** under Section 1 of the policy is hereby allowed. In consideration of the above, it is hereby understood and agreed that the insured shall bear under Section 1 of the policy in respect of each and every event (including event giving rise to a total loss/constructive total loss/cash-loss) the first Rs.........***","sources":[{"clause":null,"heading":"IMT 22A. VOLUNTARY DEDUCTIBLE","page":27,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/car-secure-od-only-irdan152rp0012v03201920/document/18231#c-imt-22a-voluntary-deductible"}],"law":[]},{"key":"pa_owner_driver","label":"Personal accident cover for owner-driver","section":"Cover","meaning":"Compulsory PA cover for the owner-driver.","status":"quote-verified","value":"The specimen schedule states PA Cover under Section III for Owner Driver with CSI 15,00,000.","display":"Owner-driver PA cover CSI 15,00,000","note":"The same schedule also states that the insurance coverage is only for own damage and does not cover third-party liability.","quote":"-> PA Cover under Section III: for Owner Driver CSI 15,00,000","sources":[{"clause":"Part I","heading":"Policy Schedule","page":1,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/car-secure-od-only-irdan152rp0012v03201920/document/18231#c-part-i"}],"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","Additional PA cover for Owner Driver","Additional PA cover for Passengers","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":"25 add-ons including depreciation, consumables, engine protect, return to invoice, roadside assistance, PA/medical, towing, EV and usage-based covers","note":"Add-ons apply only if opted and shown in the policy schedule.","quote":"ADD-ON COVER DETAILS\nSr. No | Add-On Cover | UIN | Remarks\n1 | Depreciation Cover | No. of Claims: _______ Voluntary Deductible: ____________\n2 | Consumables Cover\n3 | Engine Protect\n4 | Return to Invoice\n5 | Road Side Assistance\n6 | Key Replacement\n7 | Loss of personal belongings\nCar Secure - OD Only;. UIN: I RDAN152RP0012V03201920\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 | Additional PA cover for Owner Driver | Sum Insured -\n12 | Additional PA cover for Passengers | Sum Insured -\n13 | Hospital Cash Benefit | Maximum Number of Days – days __ Per Day Benefit – __\n14 | Emergency Hotel and Taxi Expenses | Per occurrence limit of 50% of the Sum Insured\n15 | EMI Protect | Amount Opted – __ Maximum Number of EMI - __\n16 | Courtesy Car Reimbursement | Maximum Number of Days – days __ Per Day Benefit – ___\n17 | Additional Towing charges\n18 | Medical Expenses due to Accident | Cover For: Owner Driver/ All Occupants\n19 | Loan Protect\n20 | Meter (Switch On/ Switch Off) Cover\n21 | 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/ _____\n22 | Battery Protect | No. of Claims: _______\n23 | Clutch Protect | Sum Insured: _______\n24 | Pay As You Drive | Kilometer Slab Opted: _________ Odometer Reading Captured: _______________\n25 | EV Protect","sources":[{"clause":"Part I","heading":"Policy Schedule","page":1,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/car-secure-od-only-irdan152rp0012v03201920/document/18231#c-part-i"}],"law":[]},{"key":"cashless_garages","label":"Cashless garages","section":"Claims","meaning":"Whether repairs can be cashless at network garages.","status":"quote-verified","value":"Cashless repairs are available after cashless facility confirmation; the vehicle would be repaired at a cashless garage and payment made directly to the garage.","display":"Yes, at a cashless garage after cashless facility confirmation","note":null,"quote":"On cashless facility confirmation, the vehicle would be repaired at a cashless garage and the payment would be\n• made directly to the garage.","sources":[{"clause":"14","heading":"Claim Procedure","page":6,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/car-secure-od-only-irdan152rp0012v03201920/document/18231#c-14"}],"law":[]},{"key":"motor_exclusions","label":"Main motor exclusions","section":"Exclusions","meaning":"No valid licence, drunk driving, use outside the permitted purpose, wear and tear...","status":"quote-verified","value":["Outside the geographical area","Contractual liability","Used otherwise than in accordance with the 'Limitations as to Use'","Driven by or in the charge of a person other than a Driver as stated in the Driver's Clause","Driving 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","Ionising radiations or contamination by radioactivity","Nuclear weapons material","War, invasion, hostilities or warlike operations, civil war, mutiny rebellion, military or usurped power"],"display":"Outside geographical area, contractual liability, prohibited use/driver, intoxication, wear and tear/breakdown, tyre-only damage, radiation, nuclear weapons and war risks","note":null,"quote":"Any accidental loss or damage and/or liability caused sustained or\nincurred outside the geographical area; ... Any claim arising out of any contractual liability; ... incurred whilst the vehicle insured herein is\na) Being used otherwise than in accordance with the 'Limitations as to Use'. Or\nb) Being driven by or is for the purpose of being driven by him/her in the charge of any person other than a Driver as stated in the Driver's Clause. ... 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 ... 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 ... ionising radiations or contamination by radioactivity ... nuclear weapons material. ... war, invasion, the act of foreign enemies, hostilities or warlike operations","sources":[{"clause":"1","heading":"Any accidental loss or damage and/or liability caused sustained or","page":4,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/car-secure-od-only-irdan152rp0012v03201920/document/18231#c-1"},{"clause":"2","heading":null,"page":4,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/car-secure-od-only-irdan152rp0012v03201920/document/18231#c-2"},{"clause":"3","heading":"Any accidental loss damage and/or liability caused sustained or","page":4,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/car-secure-od-only-irdan152rp0012v03201920/document/18231#c-3"},{"clause":"Section I(c)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/car-secure-od-only-irdan152rp0012v03201920/document/18231#c-section-i-c-3"},{"clause":"Section I(a)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/car-secure-od-only-irdan152rp0012v03201920/document/18231#c-section-i-a-3"},{"clause":"Section I(b)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/car-secure-od-only-irdan152rp0012v03201920/document/18231#c-section-i-b-3"},{"clause":"4(b)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/car-secure-od-only-irdan152rp0012v03201920/document/18231#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-od-only-irdan152rp0012v03201920/document/18231#c-5"},{"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-od-only-irdan152rp0012v03201920/document/18231#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 - OD Only UIN: (IRDAN152RP0012V03201920)","pages":34,"fetched_at":"2026-10-17 20:10:14+00","source_url":"https://cms.zurichkotak.com/uploads/Car_Secure_OD_Only_Combine_ZK_V1_071026_ba87b1fbff.pdf","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/car-secure-od-only-irdan152rp0012v03201920/document/18231"},{"kind":"prospectus","label":"Car Secure – OD Only","pages":8,"fetched_at":"2026-10-17 20:10:12+00","source_url":"https://cms.zurichkotak.com/uploads/Annexure_1_Prospectus_EV_Add_on_CS_OD_Only_12df4fadcb_83db391db9.pdf","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/car-secure-od-only-irdan152rp0012v03201920/document/18227"},{"kind":"cis","label":"Car Secure – OD Only","pages":17,"fetched_at":"2026-10-17 20:03:50+00","source_url":"https://cms.zurichkotak.com/uploads/Annexure_3_CIS_EV_P_Add_on_CS_OD_Only_1e8db4af06_9f9f469060.pdf","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/car-secure-od-only-irdan152rp0012v03201920/document/18101"}],"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 – OD Only (UIN IRDAN152RP0012V03201920), IndiaInsurances, https://indiainsurances.com/policy/zurich-kotak-general-insurance/car-secure-od-only-irdan152rp0012v03201920"}