{"uin":"IRDAN152RPMT0185V01202526","name":"Long Term Car Secure","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/long-term-car-secure-irdan152rpmt0185v01202526","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":"Long Term Car Secure is a private car motor policy covering own damage, third-party liability and owner-driver personal accident. It offers two-year or three-year own-damage plus third-party policy periods and optional add-ons such as depreciation cover, consumables, engine protect, return to invoice, roadside assistance and EV Protect.","analysis":{"state":"machine","analysed_at":"2026-10-20 06:38:25.673652+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":"No named plan variants are stated; the documents describe the product and optional add-on covers.","quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"2 year Own Damage + 2 year Third Party, or 3 year Own Damage + 3 year Third Party.","display":"2 year Own Damage + 2 year Third Party; 3 year Own Damage + 3 year Third Party","note":null,"quote":"For Policy period: 2 year Own Damage + 2 year Third Party ... For Policy period: 3 year Own Damage + 3 year Third Party","sources":[{"clause":"13","heading":"Sanction Exclusion Clause","page":8,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/long-term-car-secure-irdan152rpmt0185v01202526/document/18508#c-13"}],"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 any accidental loss or damage. For theft or criminal act, immediate notice must also be given to the police.","display":"Immediately, in writing; theft or criminal act also to police immediately","note":"The policy allows the insurer to condone delay after analysing reasons given by the insured.","quote":"Notice shall be given in writing to the Company immediately upon the occurrence of any accidental loss or damage in the event of any claim ... In case of theft or criminal act which may be the subject of a claim under this Policy the insured shall give immediate notice to the police","sources":[{"clause":null,"heading":"CONDITIONS","page":5,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/long-term-car-secure-irdan152rpmt0185v01202526/document/18508#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","Untrace Report","Dumping Yard Certificate","NOC from Finance Company (If Hypothecated)","MACT / Legal Notice","Copy of Medico Legal Certificate duly attested by the concerned Hospital","Original Death Certificate","Death Summary issued by Hospital","Post Mortem Report (if conducted)","Identity proof of Nominee or Original Succession Certificate/ Original Legal Heir Certificate","Treating Medical Practitioner’s certificate describing the disablement","Discharge summary from the Hospital","Photograph of the Insured Person reflecting the disablement","Disability certificate issued by treating Medical Practitioner"],"display":"Claim form, RC, driving licence, policy copy and claim-specific accident, theft, third-party or personal accident documents","note":"The Company may request other documents on a case-to-case basis.","quote":"Following documents should be required for or in support of a claim: ... Claim Form Duly Signed | Claim Form Duly Signed | Claim Form Duly Signed ... R. C. Copy of the Vehicle ... Driving License Copy ... Policy Copy - (First 2 Pages only) ... FIR Copy ... Estimate of repairs ... Original Repair Invoice, Payment Receipt ... Untrace Report, Dumping Yard Certificate ... NOC from Finance Company (If Hypothecated) ... MACT / Legal Notice ... Copy of Medico Legal Certificate duly attested by the concerned Hospital ... Original Death Certificate ... Death Summary issued by Hospital Post Mortem Report (if conducted) ... Treating Medical Practitioner’s certificate describing the disablement ... Disability certificate issued by treating Medical Practitioner","sources":[{"clause":null,"heading":"Claim Documents","page":7,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/long-term-car-secure-irdan152rpmt0185v01202526/document/18508#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. The TAT also says settlement of claims 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":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 ... Settlement of claims | Within 7 days after receipt of final survey report and/or the last relevant and necessary document as the case may be","sources":[{"clause":"12","heading":"Claim Procedure","page":7,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/long-term-car-secure-irdan152rpmt0185v01202526/document/18508#c-12"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Any accidental loss or damage and/or liability caused sustained or incurred outside the geographical area","Any claim arising out of any contractual liability","Being used otherwise than in accordance with the ’Limitations as to Use’","being driven by or is for the purpose of being driven by him/her in the charge of any person other than a Driver as stated in the Driver's Clause","Consequential loss, depreciation, wear and tear, mechanical or electrical breakdown, failures or breakages","Damage to tyres and tubes unless the vehicle is damaged at the same time","under the influence of intoxicating liquor or drugs","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, prohibited use, invalid driver, consequential loss/wear and tear/breakdown, tyres alone, intoxication, radiation, nuclear weapons and war","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 ... under the influence of intoxicating liquor or drugs ... Any accidental loss or damage and/or liability caused sustained or incurred outside the geographical area; ... Any claim arising out of any contractual liability; ... Being used otherwise than in accordance with the ’Limitations as to Use’. Or ... other than a Driver as stated in the Driver's Clause. ... ionising radiations or contamination by radioactivity ... nuclear weapons material ... war, invasion, the act of foreign enemies, hostilities or warlike operations","sources":[{"clause":"5","heading":"Rate of Depreciation for Painting: In the case of painting, the","page":4,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/long-term-car-secure-irdan152rpmt0185v01202526/document/18508#c-5"},{"clause":"1","heading":"Any accidental loss or damage and/or liability caused","page":5,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/long-term-car-secure-irdan152rpmt0185v01202526/document/18508#c-1-3"},{"clause":"2","heading":null,"page":5,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/long-term-car-secure-irdan152rpmt0185v01202526/document/18508#c-2-3"},{"clause":"3","heading":"Any accidental loss damage and/or liability caused sustained","page":5,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/long-term-car-secure-irdan152rpmt0185v01202526/document/18508#c-3-3"},{"clause":"4(a)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/long-term-car-secure-irdan152rpmt0185v01202526/document/18508#c-4-a"},{"clause":"5","heading":"Any accidental loss or damage or liability directly or indirectly","page":5,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/long-term-car-secure-irdan152rpmt0185v01202526/document/18508#c-5-3"},{"clause":"6","heading":"Any accidental loss damage and/or liability directly or indirectly","page":5,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/long-term-car-secure-irdan152rpmt0185v01202526/document/18508#c-6"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"First contact the branch office, toll free number 1800 2120 or care@zurichkotak.com. If unsatisfied, contact grievanceofficer@zurichkotak.com, then seniorgrievanceofficer@zurichkotak.com or chiefgrievanceofficer@zurichkotak.com before IRDAI Bima Bharosa or the Insurance Ombudsman.","display":"Branch/1800 2120/care@zurichkotak.com, then Grievance Officer, then senior/chief grievance officer","note":null,"quote":"For resolution of any query or grievance, Insured may contact the 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 REDRESSAL","page":8,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/long-term-car-secure-irdan152rpmt0185v01202526/document/18508#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","Death of or bodily injury to any person","Damage to property other than property belonging to the insured","PERSONAL ACCIDENT COVER FOR OWNER DRIVER"],"display":"Own-damage perils, third-party liability and owner-driver personal accident","note":null,"quote":"1. by fire explosion self-ignition or lightning; 2. by burglary housebreaking or theft; 3. by riot and strike; 4. by earthquake (fire and shock damage); 5. by flood typhoon hurricane storm tempest inundation cyclone hailstorm frost; 6. by accidental external means; 7. by malicious act; 8. by terrorist activity; 9. whilst in transit by road rail inland-waterway lift elevator or air; 10. by landslide rockslide ... Death of or bodily injury to any person ... Damage to property other than property belonging to the insured ... PERSONAL ACCIDENT COVER FOR OWNER","sources":[{"clause":"Section I","heading":"LOSS OF OR DAMAGE TO THE VEHICLE","page":4,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/long-term-car-secure-irdan152rpmt0185v01202526/document/18508#c-section-i"},{"clause":"1(a)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/long-term-car-secure-irdan152rpmt0185v01202526/document/18508#c-1-a"},{"clause":"1(b)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/long-term-car-secure-irdan152rpmt0185v01202526/document/18508#c-1-b"},{"clause":"Section III","heading":"PERSONAL ACCIDENT COVER FOR OWNER","page":5,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/long-term-car-secure-irdan152rpmt0185v01202526/document/18508#c-section-iii"}],"law":[]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"The insured may cancel at any time without assigning a reason if no claim has arisen. Refund is proportionate premium for the unexpired period in the running year and full premium for remaining full policy years, subject to proof of other liability-only cover and original certificate of insurance.","display":"Proportionate refund for unexpired running year and full refund for remaining full policy years, if no claim","note":null,"quote":"The policy may be cancelled at any time by the insured without assigning any reason provided no claim has arisen during the period of insurance. The insured shall be entitled to a refund of proportionate premium for the unexpired period in the running year and full refund of premium for the remaining full policy years (where period of insurance exceeds one year) subject to submission of proof that vehicle is insured elsewhere at least for Liability Only cover and original certificate of insurance.","sources":[{"clause":"6(II)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/long-term-car-secure-irdan152rpmt0185v01202526/document/18508#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' and exclusions refer to loss outside the geographical area, but the base geographical area is not filled in.","quote":null,"sources":[],"law":[]},{"key":"cover_types","label":"Cover types","section":"Cover","meaning":"Comprehensive, standalone own damage, third-party only.","status":"quote-verified","value":["Own Damage","Liability","Personal Accident"],"display":"Own Damage, Liability and Personal Accident","note":"The documents describe Section I loss/damage to vehicle, Section II liability to third parties and Section III personal accident; they do not use a separate 'third-party only' base variant name for this product.","quote":"Section I | Section II Own Damage | Liability ... Section III Meter (Switch On/ Switch Off) Add on Cover discount | 00 | Personal Accident","sources":[{"clause":"Part I","heading":"Policy Schedule","page":1,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/long-term-car-secure-irdan152rpmt0185v01202526/document/18508#c-part-i"}],"law":[]},{"key":"third_party","label":"Third-party liability","section":"Cover","meaning":"Compulsory cover for injury, death or property damage to others. Unlimited for death and injury.","status":"quote-verified","value":"The policy covers the insured’s legal liability for death of or bodily injury to any person and damage to third-party property. The schedule states bodily injury/death liability is such amount as necessary to meet the Motor Vehicles Act, and property damage is ` <6,000 or 7, 50,000> and/or as amended from time to time.","display":"Death/bodily injury as required by Motor Vehicles Act; property damage ` <6,000 or 7, 50,000>","note":null,"quote":"the Company will indemnify the insured in the event of an accident caused by or arising out of the use of the vehicle against all sums which the insured shall become legally liable to pay in respect of: ... Death of or bodily injury to any person ... Damage to property other than property belonging to the insured ... Under Section II - 1(I) of the policy -> Death of or bodily injury: Such amounts is necessary to meet their requirements of Motor Vehicle Act, 1988. as amended from time to time ... Under Section II- 1(ii) of the policy -> Damage to Third Party Property ` <6,000 or 7, 50,000>; and/or as amended from time to time","sources":[{"clause":"1","heading":"Subject to the limits of liability as laid down in the Schedule hereto","page":4,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/long-term-car-secure-irdan152rpmt0185v01202526/document/18508#c-1-2"},{"clause":"1(a)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/long-term-car-secure-irdan152rpmt0185v01202526/document/18508#c-1-a"},{"clause":"1(b)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/long-term-car-secure-irdan152rpmt0185v01202526/document/18508#c-1-b"},{"clause":"Part I","heading":"Policy Schedule","page":1,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/long-term-car-secure-irdan152rpmt0185v01202526/document/18508#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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"depreciation","label":"Depreciation on parts","section":"Limits and co-pay","meaning":"How much of the cost of replaced parts you bear because of age (unless you have zero depreciation).","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"ncb","label":"No-claim bonus","section":"Cover","meaning":"Discount on own-damage premium for claim-free years (20% to 50%).","status":"quote-verified","value":"No Claim Bonus is on the own-damage section. For a 2-year policy, 0 own-damage claims gives starting NCB plus 25% up to 50%, 1 claim gives 20%, and 2 or more claims gives 0%; for a 3-year policy, 0 claims gives starting NCB plus 35% up to 50%, 1 claim 25%, 2 claims 20%, and more than 2 claims 0%. Renewal must be within 90 days of the previous policy expiry.","display":"0 claims: start NCB plus 25% or 35% up to 50%; claim-based reductions apply; renewal within 90 days","note":"For Military or Para military Personnel working in Forward Areas, the 90 days may be extended up to 365 days depending on circumstances and written declaration.","quote":"For Policy period: 2 year Own Damage + 2 year Third Party NO CLAIM BONUS: The insured is entitled for a No Claim Bonus ... 0 Own Damage claim in policy period | % of NCB at the start of the policy plus 25% upto a maximum of 50% ... 1 Own Damage claim in policy period | 20% ... 2=> Own Damage claims in policy period | 0% ... For Policy period: 3 year Own Damage + 3 year Third Party ... 0 Own Damage claim in policy period | % of NCB at the start of the policy plus 35% upto a maximum of 50% ... 1 Own Damage claim in policy period | 25% ... 2 Own Damage claims in policy period | 20% ... >2 Own Damage claims in policy period | 0% ... 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":"13","heading":"Sanction Exclusion Clause","page":8,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/long-term-car-secure-irdan152rpmt0185v01202526/document/18508#c-13"}],"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 and IMT wording refer to the compulsory deductible but leave the amount blank or as INR XXXX / Rs....*.","quote":null,"sources":[],"law":[]},{"key":"deductible","label":"Voluntary deductible","section":"Limits and co-pay","meaning":"An extra amount per claim you choose to bear for a lower premium.","status":"quote-verified","value":"A voluntary deductible is available if opted. In that case, for each event under Section I the insured bears the first aggregate deductible amount, including the voluntary deductible and compulsory deductible.","display":"Available if opted; per event under Section I","note":"The base voluntary deductible amount is not printed in the wording; it is to be inserted for the deductible opted.","quote":"It is by declared and agreed that the insured having opted a voluntary deductible of Rs. ............* a reduction in premium of Rs. .......** under Section 1 of the policy is hereby allowed. ... the insured shall bear under Section 1 of the policy in respect of each and every event ... the first Rs.........*** ... *** To insert aggregate amount of voluntary deductible opted and the compulsory deductible applicable to the vehicle insured","sources":[{"clause":null,"heading":"IMT 22A. VOLUNTARY DEDUCTIBLE","page":22,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/long-term-car-secure-irdan152rpmt0185v01202526/document/18508#c-imt-22a-voluntary-deductible"}],"law":[]},{"key":"pa_owner_driver","label":"Personal accident cover for owner-driver","section":"Cover","meaning":"Compulsory PA cover for the owner-driver.","status":"quote-verified","value":"Owner-driver personal accident cover pays compensation for bodily injury or death sustained in direct connection with the insured vehicle while driving, mounting, dismounting or travelling as co-driver. It is subject to the owner-driver being the registered owner, named insured and holding an effective driving licence, with total liability not exceeding INR 15 lakhs during any one period of insurance.","display":"Owner-driver PA cover up to INR 15 lakhs","note":null,"quote":"PERSONAL ACCIDENT COVER FOR OWNER DRIVER The Company undertakes to pay compensation as per the following scale for bodily injury/ death sustained by the owner-driver of the vehicle, in direct connection with the vehicle insured or whilst driving or mounting into/dismounting from the vehicle insured or whilst traveling in it as a co-driver ... The owner-driver is the registered owner of the vehicle insured herein; ... The owner-driver is the insured named in this policy. ... The owner-driver holds an effective driving license ... the total liability of the insurer shall not in the aggregate exceed the sum of INR 15 lakhs during any one period of insurance.","sources":[{"clause":"Section III","heading":"PERSONAL ACCIDENT COVER FOR OWNER","page":5,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/long-term-car-secure-irdan152rpmt0185v01202526/document/18508#c-section-iii"},{"clause":"6","heading":"Any accidental loss damage and/or liability directly or indirectly","page":5,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/long-term-car-secure-irdan152rpmt0185v01202526/document/18508#c-6"}],"law":[{"title":"Enhancement of Capital Sum Insured in Compulsory Personal Accident Cover for Owner-Driver under Motor Insurance Policies","section":"Para 4(i) to (iii)","url":"https://indiainsurances.com/law/irdai-motor-cpa-2018"},{"title":"Compulsory Personal Accident Insurance for Owner-Driver under Motor Insurance","section":"Paras 1 and 2","url":"https://indiainsurances.com/law/irdai-motor-cpa-choice-2018"},{"title":"Cover for Compulsory Personal Accident (CPA) for Owner-Driver under Motor Insurance Policies","section":"Para 3","url":"https://indiainsurances.com/law/irdai-motor-cpa-standalone-2018"},{"title":"Cover for Compulsory Personal Accident (CPA) for Owner-Driver under Motor Insurance Policies","section":"Para 4(iv) to (viii)","url":"https://indiainsurances.com/law/irdai-motor-cpa-standalone-2018"}]},{"key":"addons","label":"Add-ons offered","section":"Cover","meaning":"Zero depreciation, engine protect, return to invoice, roadside assistance, consumables...","status":"quote-verified","value":["Depreciation Cover","Consumables Cover","Engine Protect","Return to Invoice","Road Side Assistance","Key Replacement","Loss of personal belongings","Tyre Cover","Battery Protect","EV Protect","Medical Expenses due to Accident"],"display":"Depreciation Cover, Consumables, Engine Protect, Return to Invoice, Road Side Assistance, Key Replacement, Loss of personal belongings, Tyre Cover, Battery Protect, EV Protect and Medical Expenses due to Accident","note":"These are add-on covers shown in the add-on cover details table and apply if opted.","quote":"ADD-ON COVER DETAILS Sr. No | Add-On Cover | UIN | Sum Insured | Premium | Remarks 1 | Depreciation Cover ... 2 | Consumables Cover 3 | Engine Protect 4 | Return to Invoice 5 | Road Side Assistance 6 | Key Replacement 7 | Loss of personal belongings 8 | Tyre Cover 9 | Battery Protect ... 10 | EV Protect ... 11 | Medical Expenses due to Accident","sources":[{"clause":"Part I","heading":"Policy Schedule","page":1,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/long-term-car-secure-irdan152rpmt0185v01202526/document/18508#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 repair is available after cashless facility confirmation. The vehicle is repaired at a cashless garage and payment is made directly to the garage; the insured pays deductible and depreciation value as informed by the surveyor.","display":"Yes, after cashless facility confirmation at a cashless garage","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. • You will only have to pay the deductible as mentioned in the policy and the depreciation value, etc. as informed by the surveyor.","sources":[{"clause":"12","heading":"Claim Procedure","page":7,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/long-term-car-secure-irdan152rpmt0185v01202526/document/18508#c-12"}],"law":[]},{"key":"motor_exclusions","label":"Main motor exclusions","section":"Exclusions","meaning":"No valid licence, drunk driving, use outside the permitted purpose, wear and tear...","status":"quote-verified","value":["Hire or reward","Carriage of goods (other than samples or personal luggage)","Organized racing","Pace making","Speed testing","Reliability trails","Use in connection with Motor Trade","driver hold an effective Driving License","outside the geographical area","Consequential loss, depreciation, wear and tear, mechanical or electrical breakdown, failures or breakages","Damage to tyres and tubes unless the vehicle is damaged at the same time","under the influence of intoxicating liquor or drugs","contractual liability","nuclear weapons material","war, invasion, the act of foreign enemies, hostilities or warlike operations"],"display":"No hire/reward, carriage of goods, racing/pace/speed/reliability trials, motor trade use, invalid driver, outside geographical area, wear and tear/breakdown, tyres alone, intoxication, contractual liability, nuclear and war","note":null,"quote":"The policy covers use of the vehicle for any purpose other than: (a) Hire or reward (b) Carriage of goods (other than samples or personal luggage) (c) Organized racing (d) Pace making (e) Speed testing (f) Reliability trails (g) Use in connection with Motor Trade. ... Provided that a person driving hold an effective Driving License at the time of accident and is not disqualified ... Any accidental loss or damage and/or liability caused sustained or incurred outside the geographical area; ... Consequential loss, depreciation, wear and tear, mechanical or electrical breakdown, failures or breakages; ... Damage to tyres and tubes unless the vehicle is damaged at the same time ... under the influence of intoxicating liquor or drugs ... Any claim arising out of any contractual liability; ... nuclear weapons material ... war, invasion, the act of foreign enemies, hostilities or warlike operations","sources":[{"clause":"Part I","heading":"Policy Schedule","page":1,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/long-term-car-secure-irdan152rpmt0185v01202526/document/18508#c-part-i"},{"clause":"1","heading":"Any accidental loss or damage and/or liability caused","page":5,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/long-term-car-secure-irdan152rpmt0185v01202526/document/18508#c-1-3"},{"clause":"2","heading":null,"page":5,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/long-term-car-secure-irdan152rpmt0185v01202526/document/18508#c-2-3"},{"clause":"5","heading":"Rate of Depreciation for Painting: In the case of painting, the","page":4,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/long-term-car-secure-irdan152rpmt0185v01202526/document/18508#c-5"},{"clause":"5","heading":"Any accidental loss or damage or liability directly or indirectly","page":5,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/long-term-car-secure-irdan152rpmt0185v01202526/document/18508#c-5-3"},{"clause":"6","heading":"Any accidental loss damage and/or liability directly or indirectly","page":5,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/long-term-car-secure-irdan152rpmt0185v01202526/document/18508#c-6"}],"law":[]},{"key":"sum_insured_basis","label":"Sum insured basis","section":"Cover","meaning":"How the cover amount is set: market value, reinstatement value, agreed value, IDV.","status":"quote-verified","value":"The cover amount is based on Insured's Declared Value. IDV is the sum insured, fixed for each one-year block at commencement, based on the manufacturer's listed selling price adjusted for depreciation, and treated as market value for total loss, constructive total loss and cash-loss claims.","display":"IDV, treated as Market 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 for each one year block at the commencement of contract ... The IDV of the vehicle (and accessories if any fitted to the vehicle) is to be fixed on the basis of the manufacturer's listed selling price ... adjusted for depreciation ... IDV shall be treated as the “Market Value” throughout the policy period","sources":[{"clause":"Section I(c)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/long-term-car-secure-irdan152rpmt0185v01202526/document/18508#c-section-i-c"},{"clause":"4","heading":"Rate of depreciation for all other parts including wooden","page":4,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/long-term-car-secure-irdan152rpmt0185v01202526/document/18508#c-4"}],"law":[]}],"documents":[{"kind":"wording","label":"Long Term Car Secure (IRDAN152RPMT0185V01202526)","pages":30,"fetched_at":"2026-10-17 20:26:21+00","source_url":"https://cms.zurichkotak.com/uploads/Long_Term_Car_Secure_Combined_Document_ZK_26_27_v1_02042026_3b4fd216aa.pdf","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/long-term-car-secure-irdan152rpmt0185v01202526/document/18508"},{"kind":"prospectus","label":"Long Term Car Secure","pages":7,"fetched_at":"2026-10-17 20:22:00+00","source_url":"https://cms.zurichkotak.com/uploads/Annexure_1_Prospectus_EV_Protect_LTCS_469bdae918_9bb937584b.pdf","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/long-term-car-secure-irdan152rpmt0185v01202526/document/18423"},{"kind":"cis","label":"Long Term Car Secure","pages":10,"fetched_at":"2026-10-17 20:19:09+00","source_url":"https://cms.zurichkotak.com/uploads/Annexure_3_CIS_EV_Protect_LTCS_a1c472bc43_4f3345fc14.pdf","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/long-term-car-secure-irdan152rpmt0185v01202526/document/18372"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Zurich Kotak General Insurance ( ) official website","url":"https://www.zurichkotak.com/","note":"Buy directly from the insurer."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"insurer","name":"Claims","url":"https://www.zurichkotak.com/services/claims","note":null},{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"insurer","name":"Grievance redressal process","url":"https://www.zurichkotak.com/customer-support/grievance-redressal-process","note":null},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"renew","kind":"insurer","name":"Renewals","url":"https://www.zurichkotak.com/renewal","note":null}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"Long Term Car Secure (UIN IRDAN152RPMT0185V01202526), IndiaInsurances, https://indiainsurances.com/policy/zurich-kotak-general-insurance/long-term-car-secure-irdan152rpmt0185v01202526"}