{"uin":"IRDAN152RP0013V03201920","name":"Two Wheeler Protect – OD Only","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/two-wheeler-protect-od-only-irdan152rp0013v03201920","insurer":{"slug":"zurich-kotak-general-insurance","name":"Zurich Kotak General Insurance Company (India) Limited","url":"https://indiainsurances.com/insurer/zurich-kotak-general-insurance"},"line":"general","category":"motor-two-wheeler","category_name":"Two-wheeler insurance","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Two Wheeler Protect - OD Only is a standalone own-damage policy for two-wheeler vehicles with cover for listed natural and man-made perils. The policy term is 1 year only, the sum insured is the vehicle IDV, and third-party liability is not covered under this policy.","analysis":{"state":"machine","analysed_at":"2026-10-20 06:37:26.811949+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":null,"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 is issued for 1 year only, or such other period as may be prescribed by regulations.","display":"1 year only","note":null,"quote":"Policy Period:’ Policy shall be issued for a period of 1 year only or such other period as may be prescribed by the Regulation (s)","sources":[{"clause":"6(e)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/two-wheeler-protect-od-only-irdan152rp0013v03201920/document/18573#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 occurrence of accidental loss or damage. For theft or criminal act, immediate notice must also be given to the police.","display":"Immediately upon occurrence; theft/criminal act also to police immediately","note":"The insurer may condone delay after analysing the reasons given by the insured.","quote":"Notice shall be given in writing to the Company immediately upon the occurrence of any accidental or loss or damage in the event of any claim ... In case of theft or criminal act which may be the subject of a claim under this Policy, the Insured shall give immediate notice to the police","sources":[{"clause":null,"heading":"CONDITIONS","page":5,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/two-wheeler-protect-od-only-irdan152rp0013v03201920/document/18573#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"],"display":"Claim form, RC, driving licence, policy copy, FIR and repair/theft documents","note":"Listed documents are from the Accident Claims and Theft Claims columns relevant to own-damage claims; the table also contains third-party and personal-accident claim documents.","quote":"Following documents should be required for or in support of a claim:\nFor 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","sources":[{"clause":null,"heading":"Claim Documents","page":6,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/two-wheeler-protect-od-only-irdan152rp0013v03201920/document/18573#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 promised within 7 days of completion of documentation. 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 after final survey report and/or last relevant document","note":"Survey report submission is shown as 15 days.","quote":"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\n13. Multiple policies involving Bank or other lending or financing entity\nSettlement 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":null,"heading":"Details of procedure to be followed for cashless service (In case","page":6,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/two-wheeler-protect-od-only-irdan152rp0013v03201920/document/18573#c-details-of-procedure-to-be-followed-for-cashless"},{"clause":"6(II)(c)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/two-wheeler-protect-od-only-irdan152rp0013v03201920/document/18573#c-6-ii-c"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["outside the geographical area","contractual liability","Being used otherwise than in accordance with the 'Limitations as to Use'","any person other than a Driver as stated in the Driver's Clause","under the influence of intoxicating liquor or drugs","Consequential loss, depreciation, wear and tear, mechanical or electrical breakdown, failures or breakages","Damage to Tyres and Tubes unless the vehicle insured is damaged at the same time","ionising radiations or contamination by radioactivity","nuclear weapons material","war, invasion, the act of foreign enemies, hostilities or warlike operations"],"display":"Geographical area, contractual liability, misuse, driver/licence breach, intoxication, wear and tear/breakdown, tyre-only damage, nuclear and war exclusions","note":null,"quote":"The Company shall not be liable under this Policy in respect of\n1. Any accidental loss / damage and/or liability caused sustained or incurred outside the geographical area.\n2. Any claim arising out of any contractual liability.\n3. Any accidental loss damage and/or liability caused sustained or incurred whilst the vehicle Insured herein is\na) Being used otherwise than in accordance with the 'Limitations as to Use' or\nb) Being driven by or is for the purpose of being driven by him/her in the charge of any person other than a Driver as stated in the Driver's Clause. ... d. 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. ... Consequential loss, depreciation, wear and tear, mechanical or electrical breakdown, failures or breakages;\nb) Damage to Tyres and Tubes unless the vehicle insured is damaged at the same time in which case the liability of the Company shall be limited to 50% of the cost of replacement; ... Any liability of whatsoever nature directly or indirectly caused by or contributed to by or arising from ionising radiations or contamination by radioactivity ... Any accidental loss or damage or liability directly or indirectly caused by or contributed to by or arising from nuclear weapons material. ... war, invasion, the act of foreign enemies, hostilities or warlike operations","sources":[{"clause":null,"heading":"GENERAL EXCEPTIONS","page":4,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/two-wheeler-protect-od-only-irdan152rp0013v03201920/document/18573#c-general-exceptions"},{"clause":"4","heading":"Rate of depreciation for all other parts including wooden","page":4,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/two-wheeler-protect-od-only-irdan152rp0013v03201920/document/18573#c-4"},{"clause":"5","heading":"Rate of Depreciation for Painting: In the case of painting, the","page":4,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/two-wheeler-protect-od-only-irdan152rp0013v03201920/document/18573#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/two-wheeler-protect-od-only-irdan152rp0013v03201920/document/18573#c-6"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"First contact the respective branch office, toll-free number 1800 2120, or care@zurichkotak.com. If not satisfied, contact the Grievance Officer, then seniorgrievanceofficer@zurichkotak.com or chiefgrievanceofficer@zurichkotak.com before approaching IRDAI or the Insurance Ombudsman.","display":"Branch office / 1800 2120 / care@zurichkotak.com, then Grievance Officer","note":null,"quote":"For resolution of any query or grievance, Insured may contact the respective branch office of the Company or may call toll free number 1800 2120 or may write an e- mail at care@zurichkotak.com. In case the Insured is not satisfied with the response, Insured may contact the Grievance Officer of the Company at ... grievanceofficer@zurichkotak.com. In case if the Insured is not satisfied with the solution the Grievance Officer has provided, ... Insured can write to seniorgrievanceofficer@zurichkotak.com/ chiefgrievanceofficer@zurichkotak.com.","sources":[{"clause":null,"heading":"Grievance Redressa","page":7,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/two-wheeler-protect-od-only-irdan152rp0013v03201920/document/18573#c-grievance-redressa"}],"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":["by fire explosion, self-ignition, or lightning","by burglary, housebreaking, or theft","by riot and strike","by earthquake (fire and shock damage)","by flood, typhoon, hurricane, storm, tempest, inundation, cyclone, hailstorm, frost","by accidental external means","by malicious act","by terrorist activity","whilst in transit by road rail inland-waterway lift elevator or air","by landslide rockslide"],"display":"Fire, theft, riot/strike, earthquake, flood/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; 10 by landslide rockslide.","sources":[{"clause":"Section I","heading":"LOSS OF OR DAMAGE TO THE VEHICLE","page":4,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/two-wheeler-protect-od-only-irdan152rp0013v03201920/document/18573#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. 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","note":null,"quote":"Cancellation by Insured 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":"6(II)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/two-wheeler-protect-od-only-irdan152rp0013v03201920/document/18573#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 schedule has a blank 'Geographical Area' field and the wording excludes loss outside the geographical area, but the documents provided do not state the base geographic area of cover.","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"],"display":"Own Damage only","note":"This is a standalone own-damage policy, not comprehensive or third-party only cover.","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":null,"heading":"VEHICLE DETAILS","page":1,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/two-wheeler-protect-od-only-irdan152rp0013v03201920/document/18573#c-vehicle-details"}],"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 policy states it is only for own damage and the customer must ensure valid TP cover at all times.","display":"Not covered; valid TP cover required 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":null,"heading":"VEHICLE DETAILS","page":1,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/two-wheeler-protect-od-only-irdan152rp0013v03201920/document/18573#c-vehicle-details"}],"law":[{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch V, I, Paras 1 to 4","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch V, I, Para 7","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 146","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 147","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 150","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 157","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 164","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 161","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 166(3)","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 162","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"idv","label":"Insured declared value (IDV)","section":"Cover","meaning":"The vehicle's insured value: maximum paid for theft or total loss.","status":"quote-verified","value":"The Insured's Declared Value (IDV) is deemed to be the sum insured and is fixed at the commencement of each policy period. For total loss, constructive total loss or cash-loss, liability is the IDV in the schedule less the value of the wreck.","display":"IDV is the sum insured; total 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":"4(c)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/two-wheeler-protect-od-only-irdan152rp0013v03201920/document/18573#c-4-c"},{"clause":"6(a)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/two-wheeler-protect-od-only-irdan152rp0013v03201920/document/18573#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 have 50% depreciation; fibre glass components 30%; glass nil. Painting has 50% depreciation on material cost only, and in a consolidated painting bill the material component is considered 25% of total painting charges.","display":"Rubber/nylon/plastic, tyres/tubes, batteries and air bags 50%; fibre glass 30%; glass nil; painting 50% on material cost","note":"The wording also states all other parts follow a schedule, but the extracted schedule text is mixed with the IDV depreciation table.","quote":"For all rubber/ nylon / plastic parts, tyres and tubes, batteries\nand air bags - 50% ... For fibre glass components - 30% ... For all parts made of glass - Nil ... Rate of Depreciation for Painting: In the case of painting, the\ndepreciation rate of 50% shall be applied only on the material cost of total painting charges. In case of a consolidated bill for painting charges, the material component shall be considered as 25% of the total painting charges for the purpose of applying the depreciation.","sources":[{"clause":"1","heading":"For all rubber/ nylon / plastic parts, tyres and tubes, batteries","page":4,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/two-wheeler-protect-od-only-irdan152rp0013v03201920/document/18573#c-1"},{"clause":"2","heading":"For fibre glass components - 30%","page":4,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/two-wheeler-protect-od-only-irdan152rp0013v03201920/document/18573#c-2"},{"clause":"3","heading":"For all parts made of glass - Nil","page":4,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/two-wheeler-protect-od-only-irdan152rp0013v03201920/document/18573#c-3"},{"clause":"5","heading":"Rate of Depreciation for Painting: In the case of painting, the","page":4,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/two-wheeler-protect-od-only-irdan152rp0013v03201920/document/18573#c-5"}],"law":[]},{"key":"ncb","label":"No-claim bonus","section":"Cover","meaning":"Discount on own-damage premium for claim-free years (20% to 50%).","status":"quote-verified","value":"No Claim Bonus applies on own-damage premium if no own-damage claim is made or pending during the preceding year(s): 20% after the preceding year, 25% after two consecutive years, 35% after three, 45% after four, and 50% after five. It is subject to a maximum of 50% and renewal within 90 days of the previous policy expiry.","display":"20% to 50% on own-damage premium","note":"The wording text is interleaved with the grievance section in the extracted clause, but the NCB table and conditions are printed there.","quote":"NO CLAIM BONUS: The insured is entitled for a No Claim Bonus (NCB) on the Own Damage section of the policy, if no Own Damage claim is made or pending during the preceding year(s), as per the following table: ... The preceding year | 20%\nInsured can write to seniorgrievanceofficer@zurichkotak.com/ chiefgrievanceofficer@zurichkotak.com.\nPreceding Two consecutive years | 25% ... Preceding Three consecutive years | 35% ... Preceding Four consecutive years | 45% ... Preceding Five consecutive years | 50% ... Subject to maximum of 50% No Claim Bonus. No Claim Bonus will only be allowed provided the policy is renewed within 90 days of the expiry date of the previous policy.","sources":[{"clause":null,"heading":"15. Sanction Exclusion Clause","page":7,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/two-wheeler-protect-od-only-irdan152rp0013v03201920/document/18573#c-15-sanction-exclusion-clause"},{"clause":null,"heading":"Grievance Redressa","page":7,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/two-wheeler-protect-od-only-irdan152rp0013v03201920/document/18573#c-grievance-redressa"}],"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 documents refer to 'Compulsory Deductibles' in the schedule and IMT.22 uses a placeholder amount, but no fixed rupee amount is printed for this product.","quote":null,"sources":[],"law":[]},{"key":"deductible","label":"Voluntary deductible","section":"Limits and co-pay","meaning":"An extra amount per claim you choose to bear for a lower premium.","status":"quote-verified","value":"A voluntary deductible may be opted under Section I; the insured bears the deductible for each event, including total loss, constructive total loss or cash-loss. The wording uses placeholders for the rupee amount to be inserted.","display":"Voluntary deductible may be opted; amount to be inserted","note":"The base wording does not print fixed rupee options; the chosen voluntary deductible is inserted in the endorsement or schedule.","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)","sources":[{"clause":null,"heading":"IMT 22A. VOLUNTARY DEDUCTIBLE","page":17,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/two-wheeler-protect-od-only-irdan152rp0013v03201920/document/18573#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":"Personal accident cover for owner-driver is not shown as a base cover in this OD-only policy; the policy states the insurance coverage is only for own damage of the vehicle.","display":"Not included in the OD-only base cover","note":"The wording contains IMT personal-accident endorsements, but the base product statement limits this policy to own-damage cover.","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":null,"heading":"VEHICLE DETAILS","page":1,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/two-wheeler-protect-od-only-irdan152rp0013v03201920/document/18573#c-vehicle-details"}],"law":[{"title":"Enhancement of Capital Sum Insured in Compulsory Personal Accident Cover for Owner-Driver under Motor Insurance Policies","section":"Para 4(i) to (iii)","url":"https://indiainsurances.com/law/irdai-motor-cpa-2018"},{"title":"Compulsory Personal Accident Insurance for Owner-Driver under Motor Insurance","section":"Paras 1 and 2","url":"https://indiainsurances.com/law/irdai-motor-cpa-choice-2018"},{"title":"Cover for Compulsory Personal Accident (CPA) for Owner-Driver under Motor Insurance Policies","section":"Para 3","url":"https://indiainsurances.com/law/irdai-motor-cpa-standalone-2018"},{"title":"Cover for Compulsory Personal Accident (CPA) for Owner-Driver under Motor Insurance Policies","section":"Para 4(iv) to (viii)","url":"https://indiainsurances.com/law/irdai-motor-cpa-standalone-2018"}]},{"key":"addons","label":"Add-ons offered","section":"Cover","meaning":"Zero depreciation, engine protect, return to invoice, roadside assistance, consumables...","status":"quote-verified","value":["Depreciation Cover","Consumables Cover","Engine Protect","Return to Invoice","Garage Cash","Road Side Assistance"],"display":"Depreciation Cover, Consumables Cover, Engine Protect, Return to Invoice, Garage Cash, Road Side Assistance","note":"Add-ons apply only if opted and premium is paid.","quote":"ADD-ON COVER DETAILS\nSr. No | Add-On Cover | Sum Insured ( ) | Premium | Remarks\n1 | Depreciation Cover | - | No. of Claims: _______ Voluntary Deductible: _________\n2 | Consumables Cover | - ... 3 | Engine Protect | -\n4 | Return to Invoice | -\n5 | Garage Cash | - | Per Day Allowance ________ Maximum No of Days ______\n6 | Road Side Assistance | -","sources":[{"clause":null,"heading":"VEHICLE DETAILS","page":1,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/two-wheeler-protect-od-only-irdan152rp0013v03201920/document/18573#c-vehicle-details"}],"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 the payment would be made directly to the garage.","display":"Yes, at a cashless garage after confirmation","note":null,"quote":"On cashless facility confirmation, the vehicle would be repaired at a cashless garage and the payment would be made directly to the garage.","sources":[{"clause":null,"heading":"Details of procedure to be followed for cashless service (In case","page":6,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/two-wheeler-protect-od-only-irdan152rp0013v03201920/document/18573#c-details-of-procedure-to-be-followed-for-cashless"}],"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":["use for hire or reward, tuition, racing, pace making, reliability trial, speed testing","carriage of goods (other than samples or personal luggage) in connection with any trade or business","Provided that a person driving hold an effective Driving License at the time of accident","under the influence of intoxicating liquor or drugs","outside the geographical area","Being used otherwise than in accordance with the 'Limitations as to Use'","Consequential loss, depreciation, wear and tear, mechanical or electrical breakdown, failures or breakages","Damage to Tyres and Tubes unless the vehicle insured is damaged at the same time","war, invasion, the act of foreign enemies, hostilities or warlike operations"],"display":"No valid licence, misuse outside permitted use, intoxication, outside geographical area, wear and tear/breakdown, tyre-only damage, and war","note":null,"quote":"The Policy does not cover use for hire or reward, tuition, racing, pace making, reliability trial, speed testing, carriage of goods (other than samples or personal luggage) in connection with any trade or business or use for any purpose 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. ... d. 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 / damage and/or liability caused sustained or incurred outside the geographical area. ... Being used otherwise than in accordance with the 'Limitations as to Use' ... Consequential loss, depreciation, wear and tear, mechanical or electrical breakdown, failures or breakages;\nb) Damage to Tyres and Tubes unless the vehicle insured is damaged at the same time ... war, invasion, the act of foreign enemies, hostilities or warlike operations","sources":[{"clause":null,"heading":"VEHICLE DETAILS","page":1,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/two-wheeler-protect-od-only-irdan152rp0013v03201920/document/18573#c-vehicle-details"},{"clause":"4","heading":"Rate of depreciation for all other parts including wooden","page":4,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/two-wheeler-protect-od-only-irdan152rp0013v03201920/document/18573#c-4"},{"clause":null,"heading":"GENERAL EXCEPTIONS","page":4,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/two-wheeler-protect-od-only-irdan152rp0013v03201920/document/18573#c-general-exceptions"},{"clause":"5","heading":"Rate of Depreciation for Painting: In the case of painting, the","page":4,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/two-wheeler-protect-od-only-irdan152rp0013v03201920/document/18573#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/two-wheeler-protect-od-only-irdan152rp0013v03201920/document/18573#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":"Two Wheeler Protect - OD Only -UIN : (IRDAN152RP0013V03201920)","pages":24,"fetched_at":"2026-10-17 20:28:47+00","source_url":"https://cms.zurichkotak.com/uploads/TW_Protect_OD_On_Combine_Document_ZK_26_27_v1_13042026_a16a6b97ea.pdf","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/two-wheeler-protect-od-only-irdan152rp0013v03201920/document/18573"},{"kind":"prospectus","label":"Two Wheeler Protect – OD Only","pages":7,"fetched_at":"2026-10-17 20:13:02+00","source_url":"https://cms.zurichkotak.com/uploads/Prospectus_Two_Wheeler_Protect_OD_Only_ec469b773b_83fe7d26c3.pdf","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/two-wheeler-protect-od-only-irdan152rp0013v03201920/document/18277"},{"kind":"cis","label":"Two Wheeler Protect – OD Only","pages":10,"fetched_at":"2026-10-17 20:19:28+00","source_url":"https://cms.zurichkotak.com/uploads/CIS_RSA_Under_Two_Wheeler_Protect_OD_Only_f8f32a2876_c6b48a2878.pdf","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/two-wheeler-protect-od-only-irdan152rp0013v03201920/document/18375"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Zurich Kotak General Insurance ( ) official website","url":"https://www.zurichkotak.com/","note":"Buy directly from the insurer."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"insurer","name":"Claims","url":"https://www.zurichkotak.com/services/claims","note":null},{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"insurer","name":"Grievance redressal process","url":"https://www.zurichkotak.com/customer-support/grievance-redressal-process","note":null},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"renew","kind":"insurer","name":"Renewals","url":"https://www.zurichkotak.com/renewal","note":null}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"Two Wheeler Protect – OD Only (UIN IRDAN152RP0013V03201920), IndiaInsurances, https://indiainsurances.com/policy/zurich-kotak-general-insurance/two-wheeler-protect-od-only-irdan152rp0013v03201920"}