{"uin":"IRDAN155RP0002V01201718","name":"Navi Two Wheeler Liability Only Insurance","url":"https://indiainsurances.com/policy/navi-general-insurance/navi-two-wheeler-liability-only-insurance-irdan155rp0002v01201718","insurer":{"slug":"navi-general-insurance","name":"Navi General Insurance Limited","url":"https://indiainsurances.com/insurer/navi-general-insurance"},"line":"general","category":"motor-two-wheeler","category_name":"Two-wheeler insurance","irdai_type":"Main product","kind":"product","status":"active","approved_on":"2021-08-10","withdrawn_on":null,"summary":"This is a liability-only two-wheeler motor policy covering third-party death or bodily injury and third-party property damage from use of the insured motor vehicle anywhere in India. It also includes personal accident cover for the owner-driver, with compensation scales stated but the sum amount left blank in the wording.","analysis":{"state":"machine","analysed_at":"2026-10-20 01:58:22.616196+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":"The wording contains cover sections and endorsements but does not state named plan variants.","quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"not-stated","value":null,"display":null,"note":"The wording refers to the period of insurance or Policy Period, but does not print a fixed policy term.","quote":null,"sources":[],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"Notice must be given in writing to the Company immediately upon the occurrence of any accident and in the event of any claim. Letters, claims, writs, summons and process, and notice of any impending prosecution, inquest or fatal inquiry, must also be forwarded or given immediately.","display":"Immediately upon accident or claim","note":null,"quote":"Notice shall be given in writing to the Company immediately upon the occurrence of any accident and in the event of any claim and thereafter the insured shall give all such information and assistance as the Company shall require. Every letter claims writ summons and/or process shall be forwarded to the Company immediately on receipt by the insured. Notice shall also be given in writing to the Company immediately the insured shall have knowledge of any impending Prosecution, Inquest or Fatal Inquiry in respect of any accident which may give rise to a claim under this Policy.","sources":[{"clause":null,"heading":"B. Standard Exclusions","page":3,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-two-wheeler-liability-only-insurance-irdan155rp0002v01201718/document/13323#c-b-standard-exclusions"}],"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":["Policy Copy","Copy of Registration Book","Copy of Motor Driving License of the person driving the vehicle at the time of accident","Police Panchanama /FIR","Certificate of from government hospital doctor confirming the nature and degree of disability","Discharge summary of the treating hospital clearly indicating the Hospital Registration No.","Diagnostic reports","Final Police Report- (if applicable)","Death Certificate*","Post Mortem report*","Legal Heir certificate /nominee certificate*","Driving license for owner driver (ODPA claim)"],"display":"Policy copy, RC, driving licence, FIR/Panchanama, and PA claim medical/death documents as applicable","note":"The wording says the Company may ask additional relevant documents basis the nature, complexity and circumstances of the loss.","quote":"• Policy Copy\n• Copy of Registration Book\n• Copy of Motor Driving License of the person driving the vehicle at the time of accident\n• Police Panchanama /FIR ... • Policy copy\n• Certificate of from government hospital doctor confirming the nature and degree of disability\n• Discharge summary of the treating hospital clearly indicating the Hospital Registration No.\n• Diagnostic reports\n• FIR / Panchanama– (if Notified to Police) Attested or Original\n• Final Police Report- (if applicable)\n• Death Certificate*\n• Post Mortem report*\n• Legal Heir certificate /nominee certificate*\n• Driving license for owner driver (ODPA claim)\n(Marked with * are required only in death claims)","sources":[{"clause":null,"heading":"Documents for Liability claims","page":3,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-two-wheeler-liability-only-insurance-irdan155rp0002v01201718/document/13323#c-documents-for-liability-claims"},{"clause":null,"heading":"Documents for Personal Accident Claims","page":4,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-two-wheeler-liability-only-insurance-irdan155rp0002v01201718/document/13323#c-documents-for-personal-accident-claims"}],"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 a Personal Accident claim, after receipt of all required relevant and necessary information or documents, the Company must offer settlement or reject the claim within 30 days. If settlement is delayed beyond 30 days, interest is payable at 2% above the bank rate from receipt of the last relevant and necessary document until actual payment.","display":"Personal Accident claims: settlement offer or rejection within 30 days of required documents","note":"The wording states this timing for Personal Accident claims; it does not state a separate settlement time for liability claims.","quote":"In case of a Personal Accident Claim on receipt of all required information/documents that are relevant and necessary for the claim, the Company shall offer a settlement of the claim to the insured/claimant within a period of 30 days. If the Company, for any reasons to be recorded in writing and communicated to the insured/claimant, decides to reject a claim under the policy, it shall do so within a period of 30 days from the receipt of information/documents. ... In the event the claim is not settled within 30 days as stipulated above, the Company shall be liable to pay interest at a rate, which is 2% above the bank rate from the date of receipt of last relevant and necessary document from the insured/claimant by the Company till the date of actual payment.","sources":[{"clause":null,"heading":"Documents for Personal Accident Claims","page":4,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-two-wheeler-liability-only-insurance-irdan155rp0002v01201718/document/13323#c-documents-for-personal-accident-claims"}],"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":["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","any claim arising out of any contractual liability","death arising out of and in the course of employment","death or bodily injury to any person ... being carried in or upon or entering or mounting or alighting from the Motor Vehicle","War, Invasion, the Act of foreign enemies, hostilities or warlike operations","nuclear weapons material","intentional self-injury suicide or attempted suicide physical defect or infirmity","an accident happening whilst such person is under the influence of intoxicating liquor or drugs"],"display":"Use outside limitations, invalid driver, contractual liability, employment injury/death except as required by law, passenger injury/death except as required by law, war, nuclear weapons material, and PA self-injury or intoxication exclusions","note":null,"quote":"a) being used otherwise than in accordance with the ‘Limitations as to Use’ or ... b) 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.\n2. The Company shall not be liable for any claim arising out of any contractual liability;\n3. Except so far as is necessary to meet the requirements of the Motor Vehicles Act, the Company shall not be liable in respect of death arising out of and in the course of employment ... 4. Except so far as is necessary to meet the requirements of the Motor Vehicles Act, the Company shall not be liable in respect of death or bodily injury to any person (other than a passenger carried by reason of or in pursuance of a contract of employment) being carried in or upon or entering or mounting or alighting from the Motor Vehicle ... War, Invasion, the Act of foreign enemies, hostilities or warlike operations ... nuclear weapons material ... No compensation shall be payable in respect of death or bodily injury directly or indirectly wholly or in part arising or resulting from or traceable to (a) intentional self-injury suicide or attempted suicide physical defect or infirmity or (b) an accident happening whilst such person is under the influence of intoxicating liquor or drugs.","sources":[{"clause":"5(a)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-two-wheeler-liability-only-insurance-irdan155rp0002v01201718/document/13323#c-5-a-2"},{"clause":"5(b)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-two-wheeler-liability-only-insurance-irdan155rp0002v01201718/document/13323#c-5-b-2"},{"clause":null,"heading":"B. Standard Exclusions","page":3,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-two-wheeler-liability-only-insurance-irdan155rp0002v01201718/document/13323#c-b-standard-exclusions"},{"clause":null,"heading":"PERSONAL ACCIDENT COVER FOR OWNER-DRIVER","page":2,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-two-wheeler-liability-only-insurance-irdan155rp0002v01201718/document/13323#c-personal-accident-cover-for-owner-driver"}],"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 Navi General Insurance by phone, email, website, branch or letter. If unresolved, escalate to Manager Customer Experience, then Head Customer Experience and Grievance Redressal Officer, before approaching IRDAI or the Insurance Ombudsman.","display":"Contact Navi first; escalate to Manager Customer Experience, then Head Customer Experience and Grievance Redressal Officer","note":null,"quote":"Call us on our Toll Free 1800 123 0004 (From 8 am to 8 pm) for any queries that you may have! ... Email your queries to mycare@navi.com. ... Level 1: While we attempt to give you best-in-class and prompt resolution for any concerns, sometimes it may not be perfect. If you feel that you weren’t offered a perfect resolution, please feel free to share your feedback with our Manager Customer Experience team at Manager.CustomerExperience@navi.com Level 2: If you still are not happy about the resolution provided, then you may please write to our Head Customer Experience and Grievance Redressal Officer at Head.CustomerExperience@navi.com or contact GRO at 022-40018100. Level 3: If you are not happy with the resolution, you may approach IRDAI","sources":[{"clause":"5(II)(a)","heading":null,"page":20,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-two-wheeler-liability-only-insurance-irdan155rp0002v01201718/document/13323#c-5-ii-a-7"},{"clause":"5(II)(b)","heading":null,"page":20,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-two-wheeler-liability-only-insurance-irdan155rp0002v01201718/document/13323#c-5-ii-b-6"},{"clause":null,"heading":"Escalation","page":20,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-two-wheeler-liability-only-insurance-irdan155rp0002v01201718/document/13323#c-escalation"}],"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":["death of or bodily injury to any person so far as it is necessary to meet the requirements of the Motor Vehicles Act","damage to property other than property belonging to the insured or held in trust or in the custody or control of the insured","costs and expenses incurred with its written consent","bodily injury/ death sustained by the owner-driver"],"display":"Third-party death or bodily injury, third-party property damage, consented costs and expenses, and owner-driver personal accident","note":null,"quote":"the Company will indemnify the insured in the event of accident caused by or arising out of the use of the Motor Vehicle anywhere in India against all sums including claimant's costs and expenses which the insured shall become legally liable to pay in respect of\ni) death of or bodily injury to any person so far as it is necessary to meet the requirements of the Motor Vehicles Act.\nii) damage to property other than property belonging to the insured or held in trust or in the custody or control of the insured up to the limit specified in the schedule. ... The Company will also pay all costs and expenses incurred with its written consent. ... the Company undertakes to pay compensation as per the following scale for bodily injury/ death sustained by the owner-driver","sources":[{"clause":"1","heading":null,"page":1,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-two-wheeler-liability-only-insurance-irdan155rp0002v01201718/document/13323#c-1"},{"clause":"2","heading":null,"page":1,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-two-wheeler-liability-only-insurance-irdan155rp0002v01201718/document/13323#c-2"},{"clause":null,"heading":"PERSONAL ACCIDENT COVER FOR OWNER-DRIVER","page":2,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-two-wheeler-liability-only-insurance-irdan155rp0002v01201718/document/13323#c-personal-accident-cover-for-owner-driver"}],"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":"If the insured initiates cancellation, it is subject to proof of insurance elsewhere and surrender of the original certificate of insurance. If no claim has occurred, premium is retained on the Company's short-period scale for the time the policy was in force, subject to minimum premium retention; if a claim has occurred, there is no refund.","display":"Short-period refund if no claim and insurance elsewhere is proved; no refund if a claim has occurred","note":"If ownership is transferred, the policy cannot be cancelled unless evidence that the vehicle is insured elsewhere is produced.","quote":"In the event the policy is cancelled on the grounds of non-cooperation of the insured or insured has initiated cancellation of the policy subject to proof of insurance elsewhere and surrender of original certificate of insurance, then the premium shall be computed and retained in accordance with company’s short period rate for the period the Policy has been in force provided no claim has occurred up to the date of cancellation. In the event a claim has occurred in which case there shall be no refund of premium. Return of the premium by the Company will be subject to retention of the minimum premium of Rs. 100 /- (or Rs\n25. /- in respect of vehicles specifically designed/modified for use by blind/handicapped/ mentally challenged persons). ... PERIOD | % OF ANNUAL PREMIUM RATE\nNot exceeding 1 month | 20%\nExceeding 1 month but not exceeding 2 months | 30%\nExceeding 2 months but not exceeding 3 months | 40%\nExceeding 3 months but not exceeding 4 months | 50%\nExceeding 4 months but not exceeding 5 months | 60%\nExceeding 5 months but not exceeding 6 months | 70%\nExceeding 6 months but not exceeding 7 months | 80%\nExceeding 7 months but not exceeding 8 months | 90%\nExceeding 8 months | Full annual premium/ rate","sources":[{"clause":null,"heading":"Documents for Personal Accident Claims","page":4,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-two-wheeler-liability-only-insurance-irdan155rp0002v01201718/document/13323#c-documents-for-personal-accident-claims"},{"clause":null,"heading":"SHORT PERIOD SCALE (FOR RETENTION OF PREMIUM)","page":5,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-two-wheeler-liability-only-insurance-irdan155rp0002v01201718/document/13323#c-short-period-scale-for-retention-of-premium"}],"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":"quote-verified","value":"The base policy covers use of the motor vehicle anywhere in India. The geographical area may be extended by endorsement for Nepal, Sri Lanka, Maldives, Bhutan, Pakistan or Bangladesh, with additional premium.","display":"Anywhere in India","note":"The extension outside India is only by endorsement and additional premium.","quote":"the Company will indemnify the insured in the event of accident caused by or arising out of the use of the Motor Vehicle anywhere in India ... In consideration of the payment of an additional premium of Rs....it is hereby understood and agreed that notwithstanding anything contained in this Policy to the contrary the Geographical Area in this Policy shall from the. ./. . / . . . to the. ./. ./. . . . (both days inclusive) be deemed to include * ... *Insert Nepal, Sri Lanka, Maldives, Bhutan, Pakistan, Bangladesh as the case may be","sources":[{"clause":"1","heading":null,"page":1,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-two-wheeler-liability-only-insurance-irdan155rp0002v01201718/document/13323#c-1"},{"clause":null,"heading":"IMT.1. Extension of Geographical Area","page":7,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-two-wheeler-liability-only-insurance-irdan155rp0002v01201718/document/13323#c-imt-1-extension-of-geographical-area"}],"law":[]},{"key":"cover_types","label":"Cover types","section":"Cover","meaning":"Comprehensive, standalone own damage, third-party only.","status":"quote-verified","value":["third-party only"],"display":"Third-party only / liability only","note":null,"quote":"LIABILITY ONLY POLICY – TWO WHEELER POLICY WORDINGS ... LIABILITY TO THIRD PARTIES","sources":[{"clause":null,"heading":"LIABILITY ONLY POLICY – TWO WHEELER POLICY WORDINGS","page":1,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-two-wheeler-liability-only-insurance-irdan155rp0002v01201718/document/13323#c-liability-only-policy-two-wheeler-policy-wording"},{"clause":null,"heading":"LIABILITY TO THIRD PARTIES","page":1,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-two-wheeler-liability-only-insurance-irdan155rp0002v01201718/document/13323#c-liability-to-third-parties"}],"law":[]},{"key":"third_party","label":"Third-party liability","section":"Cover","meaning":"Compulsory cover for injury, death or property damage to others. Unlimited for death and injury.","status":"quote-verified","value":"The policy indemnifies the insured for legal liability from an accident caused by or arising out of the use of the motor vehicle anywhere in India for death of or bodily injury to any person so far as necessary to meet the Motor Vehicles Act, and for third-party property damage up to the schedule limit.","display":"Covers third-party death or bodily injury as required by the Motor Vehicles Act and property damage up to the schedule limit","note":"The wording refers to the schedule for liability limits and does not print a rupee limit for the base property-damage cover.","quote":"Subject to the Limit of liability as laid down in the schedule hereto, the Company will indemnify the insured in the event of accident caused by or arising out of the use of the Motor Vehicle anywhere in India against all sums including claimant's costs and expenses which the insured shall become legally liable to pay in respect of\ni) death of or bodily injury to any person so far as it is necessary to meet the requirements of the Motor Vehicles Act.\nii) damage to property other than property belonging to the insured or held in trust or in the custody or control of the insured up to the limit specified in the schedule.","sources":[{"clause":"1","heading":null,"page":1,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-two-wheeler-liability-only-insurance-irdan155rp0002v01201718/document/13323#c-1"}],"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-applicable","value":null,"display":null,"note":"This is a liability-only policy and does not pay for theft or total loss of the insured two-wheeler, so IDV is not applicable to the base cover.","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-applicable","value":null,"display":null,"note":"This is a liability-only policy and does not cover own-damage replacement or repair of parts.","quote":null,"sources":[],"law":[]},{"key":"ncb","label":"No-claim bonus","section":"Cover","meaning":"Discount on own-damage premium for claim-free years (20% to 50%).","status":"not-applicable","value":null,"display":null,"note":"The field concerns an own-damage premium discount; this wording is for a liability-only policy.","quote":null,"sources":[],"law":[]},{"key":"compulsory_deductible","label":"Compulsory deductible","section":"Limits and co-pay","meaning":"Fixed amount you pay on every own-damage claim.","status":"not-applicable","value":null,"display":null,"note":"A compulsory deductible applies to own-damage claims; this liability-only policy has no own-damage claim for vehicle repairs.","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":"not-applicable","value":null,"display":null,"note":"This is a liability-only policy, so an own-damage voluntary deductible for repairs cannot apply.","quote":null,"sources":[],"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 100% for death, loss of two limbs or sight of two eyes or one limb and sight of one eye, and permanent total disablement, and 50% for loss of one limb or sight of one eye. The owner-driver must be the registered owner, the insured named in the policy, and hold an effective driving licence; the aggregate sum is blank in the wording.","display":"Owner-driver PA: 100% for death/PTD/two-limb or two-eye loss, 50% for one limb or one eye; sum blank in wording","note":null,"quote":"PERSONAL ACCIDENT COVER FOR OWNER-DRIVER ... Nature of Injury | Scale of compensation\ni) | Death | 100%\nii) | Loss of two limbs or sight of two eyes or one limb and sight of one eye. | 100%\niii) | Loss of one limb or sight of one eye | 50%\niv) | Permanent total disablement from injuries other than named above. | 100%\nProvided always that\n1) The compensation shall be payable under only one of the items (i) to (iv) above in respect of the owner-driver arising out of any one occurrence and the total liability of the insurer shall not in the aggregate exceed the sum of Rs. ----- during any one period of insurance. ... a) the owner-driver is the registered owner of the vehicle insured herein; ... b) the owner-driver is the insured named in this policy; ... c) the owner-driver holds an effective driving license, in accordance with the provisions of Rule 3 of the Central Motor Vehicles Rules, 1989, at the time of the accident.","sources":[{"clause":null,"heading":"PERSONAL ACCIDENT COVER FOR OWNER-DRIVER","page":2,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-two-wheeler-liability-only-insurance-irdan155rp0002v01201718/document/13323#c-personal-accident-cover-for-owner-driver"},{"clause":"5(a)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-two-wheeler-liability-only-insurance-irdan155rp0002v01201718/document/13323#c-5-a"},{"clause":"5(b)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-two-wheeler-liability-only-insurance-irdan155rp0002v01201718/document/13323#c-5-b"},{"clause":"5(c)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-two-wheeler-liability-only-insurance-irdan155rp0002v01201718/document/13323#c-5-c"}],"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":["Extension of Geographical Area","Personal Accident Cover to the Insured or any Named Person other than Paid Driver or Cleaner","Personal Accident to Unnamed Passengers other than Insured and the Paid Driver or Cleaner","Personal Accident Cover to Paid Drivers, Cleaners and Conductors","Personal Accident to Unnamed Hirer and Unnamed Pillion Passengers","Reduction in the Limit of Liability for Property Damage","Legal Liability to Paid Driver and/or Conductor and /or Cleaner employed in Connection with the Operation of Insured Vehicle"],"display":"Optional IMT endorsements include geographical extension, PA covers, reduced property-damage liability and legal liability to paid driver/conductor/cleaner","note":"These are endorsements attached to the wording, not base cover benefits.","quote":"IMT.1. Extension of Geographical Area ... In consideration of the payment of an additional premium ... IMT.15. Personal Accident Cover to the Insured or any Named Person other than Paid Driver or Cleaner In consideration of the payment of an additional premium ... IMT.16. Personal Accident to Unnamed Passengers other than Insured and the Paid Driver or Cleaner In consideration of the payment of an additional premium ... IMT.17. Personal Accident Cover to Paid Drivers, Cleaners and Conductors ... In consideration of the payment of an additional premium ... IMT.18. Personal Accident to Unnamed Hirer and Unnamed Pillion Passengers ... In consideration of the payment of an additional premium ... IMT.20. Reduction in the Limit of Liability for Property Damage ... IMT.28. Legal Liability to Paid Driver and/or Conductor and /or Cleaner employed in Connection with the","sources":[{"clause":null,"heading":"IMT.1. Extension of Geographical Area","page":7,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-two-wheeler-liability-only-insurance-irdan155rp0002v01201718/document/13323#c-imt-1-extension-of-geographical-area"},{"clause":null,"heading":"IMT.14. Use of Vehicle Confined to Site","page":8,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-two-wheeler-liability-only-insurance-irdan155rp0002v01201718/document/13323#c-imt-14-use-of-vehicle-confined-to-site"},{"clause":null,"heading":"IMT.17. Personal Accident Cover to Paid Drivers, Cleaners and Conductors","page":10,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-two-wheeler-liability-only-insurance-irdan155rp0002v01201718/document/13323#c-imt-17-personal-accident-cover-to-paid-drivers-c"},{"clause":null,"heading":"IMT.18. Personal Accident to Unnamed Hirer and Unnamed Pillion Passengers","page":10,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-two-wheeler-liability-only-insurance-irdan155rp0002v01201718/document/13323#c-imt-18-personal-accident-to-unnamed-hirer-and-un"},{"clause":null,"heading":"IMT.20. Reduction in the Limit of Liability for Property Damage","page":11,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-two-wheeler-liability-only-insurance-irdan155rp0002v01201718/document/13323#c-imt-20-reduction-in-the-limit-of-liability-for-p"}],"law":[]},{"key":"cashless_garages","label":"Cashless garages","section":"Claims","meaning":"Whether repairs can be cashless at network garages.","status":"not-applicable","value":null,"display":null,"note":"This is a liability-only policy and does not cover own-damage repairs at garages.","quote":null,"sources":[],"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":["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","any claim arising out of any contractual liability","death arising out of and in the course of employment","death or bodily injury to any person ... being carried in or upon or entering or mounting or alighting from the Motor Vehicle","War, Invasion, the Act of foreign enemies, hostilities or warlike operations","nuclear weapons material","intentional self-injury suicide or attempted suicide physical defect or infirmity","an accident happening whilst such person is under the influence of intoxicating liquor or drugs","use for organized racing, pace making, or speed testing"],"display":"Use outside limitations, unauthorised driver, contractual liability, certain employment and passenger liabilities, war, nuclear weapons material, PA self-injury/intoxication, and racing/speed testing under the endorsement","note":"The racing, pace-making and speed-testing exclusion appears in the reliability trials and rallies endorsement.","quote":"a) being used otherwise than in accordance with the ‘Limitations as to Use’ or ... b) 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.\n2. The Company shall not be liable for any claim arising out of any contractual liability; ... death arising out of and in the course of employment ... death or bodily injury to any person ... being carried in or upon or entering or mounting or alighting from the Motor Vehicle ... War, Invasion, the Act of foreign enemies, hostilities or warlike operations ... nuclear weapons material ... intentional self-injury suicide or attempted suicide physical defect or infirmity or (b) an accident happening whilst such person is under the influence of intoxicating liquor or drugs. ... This Policy does not cover use for organized racing, pace making, or speed testing.","sources":[{"clause":"5(a)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-two-wheeler-liability-only-insurance-irdan155rp0002v01201718/document/13323#c-5-a-2"},{"clause":"5(b)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-two-wheeler-liability-only-insurance-irdan155rp0002v01201718/document/13323#c-5-b-2"},{"clause":null,"heading":"B. Standard Exclusions","page":3,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-two-wheeler-liability-only-insurance-irdan155rp0002v01201718/document/13323#c-b-standard-exclusions"},{"clause":null,"heading":"PERSONAL ACCIDENT COVER FOR OWNER-DRIVER","page":2,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-two-wheeler-liability-only-insurance-irdan155rp0002v01201718/document/13323#c-personal-accident-cover-for-owner-driver"},{"clause":"5(b)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-two-wheeler-liability-only-insurance-irdan155rp0002v01201718/document/13323#c-5-b-5"}],"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 base cover is not set on vehicle IDV. Third-party liability is subject to the limit of liability laid down in the schedule and the Motor Vehicles Act requirement, while owner-driver PA is subject to the sum stated for the period of insurance, which is blank in the wording.","display":"Liability limit as in the schedule/Motor Vehicles Act; no IDV basis for base cover","note":"The policy wording leaves the rupee amount for owner-driver PA blank and refers to the schedule for liability limits.","quote":"Subject to the Limit of liability as laid down in the schedule hereto, the Company will indemnify the insured ... i) death of or bodily injury to any person so far as it is necessary to meet the requirements of the Motor Vehicles Act.\nii) damage to property other than property belonging to the insured or held in trust or in the custody or control of the insured up to the limit specified in the schedule. ... the total liability of the insurer shall not in the aggregate exceed the sum of Rs. ----- during any one period of insurance.","sources":[{"clause":"1","heading":null,"page":1,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-two-wheeler-liability-only-insurance-irdan155rp0002v01201718/document/13323#c-1"},{"clause":null,"heading":"PERSONAL ACCIDENT COVER FOR OWNER-DRIVER","page":2,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-two-wheeler-liability-only-insurance-irdan155rp0002v01201718/document/13323#c-personal-accident-cover-for-owner-driver"}],"law":[]}],"documents":[{"kind":"wording","label":"NaviTwoWheelerLiabilityOnlyInsurance Policy Wording","pages":25,"fetched_at":"2026-10-17 19:52:17+00","source_url":"https://public-navi-docs.s3.ap-south-1.amazonaws.com/NaviTwoWheelerLiabilityOnlyInsurance%20Policy%20Wording.pdf","url":"https://indiainsurances.com/policy/navi-general-insurance/navi-two-wheeler-liability-only-insurance-irdan155rp0002v01201718/document/13323"},{"kind":"wording","label":"Navi Two-Wheeler Liability Only Insurance (IRDAI copy)","pages":25,"fetched_at":"2026-10-20 01:11:16+00","source_url":"https://irdai.gov.in/documents/37343/993134/IRDAN155RP0002V02201718.pdf/b3315536-f4ea-1a08-9e89-cc1a9790fca6?version=1.1&t=1668842744652&download=true","url":"https://indiainsurances.com/policy/navi-general-insurance/navi-two-wheeler-liability-only-insurance-irdan155rp0002v01201718/document/25880"},{"kind":"prospectus","label":"NaviTwoWheelerLiabilityOnlyInsurance Prospectus","pages":4,"fetched_at":"2026-10-17 19:51:48+00","source_url":"https://public-navi-docs.s3.ap-south-1.amazonaws.com/NaviTwoWheelerLiabilityOnlyInsurance%20Prospectus.pdf","url":"https://indiainsurances.com/policy/navi-general-insurance/navi-two-wheeler-liability-only-insurance-irdan155rp0002v01201718/document/13304"},{"kind":"cis","label":"NaviTwoWheelerLiabilityOnlyInsurance CIS","pages":5,"fetched_at":"2026-10-17 19:51:47+00","source_url":"https://public-navi-docs.s3.ap-south-1.amazonaws.com/NaviTwoWheelerLiabilityOnlyInsurance%20CIS.pdf","url":"https://indiainsurances.com/policy/navi-general-insurance/navi-two-wheeler-liability-only-insurance-irdan155rp0002v01201718/document/13302"}],"versions":[{"uin":"IRDAN155RP0002V02201718","version":null,"approved_on":null},{"uin":"IRDAN155RP0002V01201718","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Navi General Insurance official website","url":"https://www.naviinsurance.com","note":"Website as listed by IRDAI. Not checked: the site blocks automated requests (bot wall) for our crawler on 2026-10-19; we do not bypass walls."},{"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":"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":"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."}],"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":"Navi Two Wheeler Liability Only Insurance (UIN IRDAN155RP0002V01201718), IndiaInsurances, https://indiainsurances.com/policy/navi-general-insurance/navi-two-wheeler-liability-only-insurance-irdan155rp0002v01201718"}