{"uin":"IRDAN155RP0047V02201819","name":"Navi Private Car Liability Only Insurance 3 Years","url":"https://indiainsurances.com/policy/navi-general-insurance/navi-private-car-liability-only-insurance-3-years-irdan155rp0047v02201819","insurer":{"slug":"navi-general-insurance","name":"Navi General Insurance Limited","url":"https://indiainsurances.com/insurer/navi-general-insurance"},"line":"general","category":"motor-car","category_name":"Car insurance","irdai_type":"Main product","kind":"product","status":"active","approved_on":"2021-08-10","withdrawn_on":null,"summary":"This is a 3-year liability-only private car policy covering third-party liability in India. It also has owner-driver personal accident cover stated in the prospectus as Rs. 15 lakh, with optional extra covers such as passenger personal accident and additional legal liabilities.","analysis":{"state":"machine","analysed_at":"2026-10-20 01:59:04.514904+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"3 years","display":"3 years","note":null,"quote":"LIABILITY ONLY PRIVATE CAR POLICY- 3 YEARS","sources":[{"clause":null,"heading":"LIABILITY ONLY PRIVATE CAR POLICY- 3 YEARS","page":1,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-private-car-liability-only-insurance-3-years-irdan155rp0047v02201819/document/13361#c-liability-only-private-car-policy-3-years"}],"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.","display":"Immediately upon the occurrence of any accident and 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.","sources":[{"clause":null,"heading":"B. Standard Exclusions","page":3,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-private-car-liability-only-insurance-3-years-irdan155rp0047v02201819/document/13361#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","Policy copy","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","FIR / Panchanama– (if Notified to Police) Attested or Original","Final Police Report- (if applicable)","Death Certificate*","Post Mortem report*","Legal Heir certificate /nominee certificate*","Driving license for owner driver (ODPA claim)"],"display":"Liability: policy copy, registration book, driving licence, Police Panchanama/FIR. Personal accident: policy copy, disability certificate, discharge summary, diagnostic reports, FIR/Panchanama, final police report, death/post-mortem/legal heir documents where applicable, and owner-driver licence.","note":null,"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":4,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-private-car-liability-only-insurance-3-years-irdan155rp0047v02201819/document/13361#c-documents-for-liability-claims"},{"clause":null,"heading":"Documents for Personal Accident Claims","page":4,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-private-car-liability-only-insurance-3-years-irdan155rp0047v02201819/document/13361#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, the Company shall offer settlement or reject the claim within 30 days from receipt of all required relevant and necessary information/documents. If not settled within 30 days, interest is payable at 2% above the bank rate from the date of receipt of the last relevant and necessary document to actual payment.","display":"Personal Accident claims: settlement offer or rejection within 30 days of required documents; interest at 2% above bank rate if delayed","note":"The stated settlement timeline is specifically for Personal Accident 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. ... 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-private-car-liability-only-insurance-3-years-irdan155rp0047v02201819/document/13361#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 (other than a passenger carried by reason of or in pursuance of a contract of employment)","War, Invasion, the Act of foreign enemies, hostilities or warlike operations","nuclear weapons material"],"display":"Use outside limitations, driver not as per Driver’s Clause, contractual liability, employment-related injury/death except as required by the Motor Vehicles Act, certain passenger injury/death except as required by the Motor Vehicles Act, war and nuclear weapons material.","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; ... 3. 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) ... 5. The Company shall not be liable in respect of any liability directly or indirectly or proximately or remotely occasioned by contributed to by or traceable to or arising out of or in connection with War, Invasion, the Act of foreign enemies, hostilities or warlike operations ... 6. The Company shall not be liable in respect of any liability directly or indirectly caused by or contributed to by or arising from nuclear weapons material;","sources":[{"clause":"5(a)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-private-car-liability-only-insurance-3-years-irdan155rp0047v02201819/document/13361#c-5-a-2"},{"clause":"5(b)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-private-car-liability-only-insurance-3-years-irdan155rp0047v02201819/document/13361#c-5-b-2"},{"clause":null,"heading":"B. Standard Exclusions","page":3,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-private-car-liability-only-insurance-3-years-irdan155rp0047v02201819/document/13361#c-b-standard-exclusions"}],"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 through its toll-free number, email, website, branch or postal address. If not satisfied, escalate to Manager Customer Experience, then Head Customer Experience and Grievance Redressal Officer, then IRDAI and finally the Insurance Ombudsman if unresolved for one month.","display":"First contact Navi by 1800 123 0004, mycare@navi.com, website, branch or letter; then Manager Customer Experience, Head Customer Experience/GRO, IRDAI, and Ombudsman","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. ... Visit our website www.naviinsurance.com to register your policy related requests. ... Please walk into any of our branches or partner locations ... You can also dispatch your letters to us at:\nNavi General Insurance Limited 402, 403 & 404, A & B Wing, 4th Floor, Fulcrum, Sahar Road, Next to Hyatt Regency, Andheri (East), Mumbai, Maharashtra - 400 099. ... 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\nHead Customer | Experience | and | Grievance | Redressal | Officer | at\nHead.CustomerExperience@navi.com. or contact GRO at 022-40018100.\nLevel 3: If you are not happy with the resolution, you may approach IRDAI by calling on the Toll-Free no. 155255 (or) 1800 4254 732. ... If your concern remains unresolved till one month from the date of registering your complaint, you may please approach the Insurance Ombudsman for redressal.","sources":[{"clause":"5(II)(a)","heading":null,"page":24,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-private-car-liability-only-insurance-3-years-irdan155rp0047v02201819/document/13361#c-5-ii-a-7"},{"clause":"5(II)(b)","heading":null,"page":24,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-private-car-liability-only-insurance-3-years-irdan155rp0047v02201819/document/13361#c-5-ii-b-6"},{"clause":"5(II)(d)","heading":null,"page":24,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-private-car-liability-only-insurance-3-years-irdan155rp0047v02201819/document/13361#c-5-ii-d"},{"clause":"5(II)(e)","heading":null,"page":24,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-private-car-liability-only-insurance-3-years-irdan155rp0047v02201819/document/13361#c-5-ii-e"},{"clause":"5(II)(f)","heading":null,"page":24,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-private-car-liability-only-insurance-3-years-irdan155rp0047v02201819/document/13361#c-5-ii-f"},{"clause":null,"heading":"Escalation","page":24,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-private-car-liability-only-insurance-3-years-irdan155rp0047v02201819/document/13361#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","bodily injury/ death sustained by the owner-driver of the vehicle in direct connection with the vehicle insured"],"display":"Third-party death, bodily injury and property damage; owner-driver bodily injury/death in direct connection with the insured vehicle.","note":null,"quote":"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 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","sources":[{"clause":"1","heading":"Subject to the Limit of liability as laid down in the schedule hereto, the Company will","page":1,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-private-car-liability-only-insurance-3-years-irdan155rp0047v02201819/document/13361#c-1"},{"clause":null,"heading":"PERSONAL ACCIDENT COVER FOR OWNER-DRIVER","page":2,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-private-car-liability-only-insurance-3-years-irdan155rp0047v02201819/document/13361#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, subject to proof of insurance elsewhere and surrender of the original certificate of insurance, premium is retained in full for completed policy years, at the company’s short period rate for the running policy year, and on a pro-rata basis for remaining full policy years, provided no claim has occurred up to cancellation. If a claim is reported, premium is refunded pro-rata for remaining full policy years.","display":"Short-period retention for the running policy year and pro-rata refund for remaining full policy years; if a claim is reported, pro-rata refund for remaining full policy years","note":null,"quote":"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 retained in full for the completed policy year(s), in accordance with company’s short period rate for the period the Policy has been in force in the running policy year and whereas on a pro rata basis for the remaining full policy year(s) provided no claim has occurred up to the date of cancellation.. ... In case of claim reported under the policy, premium will be refunded on pro rata basis for the remaining full policy year(s). ... 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-private-car-liability-only-insurance-3-years-irdan155rp0047v02201819/document/13361#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-private-car-liability-only-insurance-3-years-irdan155rp0047v02201819/document/13361#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 main geographical cover is anywhere in India. The geographical area may be extended by endorsement at additional premium to include Nepal, Sri Lanka, Maldives, Bhutan, Pakistan or Bangladesh.","display":"Anywhere in India","note":"Geographical extension is by endorsement at additional premium.","quote":"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":"Subject to the Limit of liability as laid down in the schedule hereto, the Company will","page":1,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-private-car-liability-only-insurance-3-years-irdan155rp0047v02201819/document/13361#c-1"},{"clause":null,"heading":"IMT.1. Extension of Geographical Area","page":8,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-private-car-liability-only-insurance-3-years-irdan155rp0047v02201819/document/13361#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":["Liability Only"],"display":"Liability Only","note":null,"quote":"LIABILITY ONLY PRIVATE CAR POLICY- 3 YEARS","sources":[{"clause":null,"heading":"LIABILITY ONLY PRIVATE CAR POLICY- 3 YEARS","page":1,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-private-car-liability-only-insurance-3-years-irdan155rp0047v02201819/document/13361#c-liability-only-private-car-policy-3-years"}],"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 accident caused by or arising out of use of the motor vehicle anywhere in India against legal liability for death or bodily injury as necessary to meet the Motor Vehicles Act, and for property damage other than property belonging to, held in trust by, or in the custody or control of the insured, up to the schedule limit.","display":"Third-party death or bodily injury as required by the Motor Vehicles Act, and third-party property damage up to the schedule limit","note":"The policy wording refers to the Schedule for the limit of liability and property damage limit.","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":"Subject to the Limit of liability as laid down in the schedule hereto, the Company will","page":1,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-private-car-liability-only-insurance-3-years-irdan155rp0047v02201819/document/13361#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 insure the car for theft or total loss, so an IDV for own-damage claims is not applicable.","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 pay own-damage repair costs, so depreciation on replaced parts is not applicable.","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":"This is a liability-only policy with no own-damage premium cover to which a no-claim bonus discount would apply.","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":"This is a liability-only policy and does not provide own-damage claims, so a compulsory own-damage deductible is not applicable.","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 motor policy and does not provide own-damage cover to which a voluntary deductible would 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":"Compulsory personal accident cover for the owner-driver is available at additional premium for Rs. 15 lakh, provided the owner holds a valid driving license. It is not applicable for a company owned vehicle.","display":"Compulsory owner-driver PA cover at additional premium for Rs. 15 lakh","note":"Policy wording also requires the owner-driver to be the registered owner, the insured named in the policy, and to hold an effective driving license at the time of accident.","quote":"Personal accident cover to Owner-Driver: Provides compulsory personal accident cover at\nadditional premium to owners of the vehicle for Rs. 15 lakh; provided owner holds valid driving license. This is not applicable for a company owned vehicle. ... 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":"1","heading":"Personal accident cover to Owner-Driver: Provides compulsory personal accident cover at","page":1,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-private-car-liability-only-insurance-3-years-irdan155rp0047v02201819/document/13369#c-1"},{"clause":"5(a)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-private-car-liability-only-insurance-3-years-irdan155rp0047v02201819/document/13361#c-5-a"},{"clause":"5(b)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-private-car-liability-only-insurance-3-years-irdan155rp0047v02201819/document/13361#c-5-b"},{"clause":"5(c)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-private-car-liability-only-insurance-3-years-irdan155rp0047v02201819/document/13361#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":["Occupants of vehicles can also be covered for Personal Accident for a maximum Capital Sum Insured of Rs 2 lakh per person","Wider Legal Liability for Paid driver/conductor/cleaner employed","Legal Liability for Employees travelling in/driving the vehicle other than paid driver","Legal Liability for Non-fare paying passengers"],"display":"Occupant personal accident up to Rs 2 lakh per person, and optional additional legal liabilities for paid driver/conductor/cleaner, employees and non-fare paying passengers.","note":null,"quote":"Occupants of vehicles can also be covered for Personal Accident for a maximum Capital Sum Insured of Rs 2 lakh per person. ... You may also opt to protect yourself from following additional legal liabilities at an additional premium:\n• Wider Legal Liability for Paid driver/conductor/cleaner employed.\n• Legal Liability for Employees travelling in/driving the vehicle other than paid driver.\n• Legal Liability for Non-fare paying passengers","sources":[{"clause":"1","heading":"Personal accident cover to Owner-Driver: Provides compulsory personal accident cover at","page":1,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-private-car-liability-only-insurance-3-years-irdan155rp0047v02201819/document/13369#c-1"},{"clause":"2","heading":"Additional Legal liabilities","page":2,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-private-car-liability-only-insurance-3-years-irdan155rp0047v02201819/document/13369#c-2"}],"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 repairs to the insured car, so cashless garage repair service is not applicable.","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 (other than a passenger carried by reason of or in pursuance of a contract of employment)","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, driver not as per Driver’s Clause, contractual liability, employment-related injury/death except as required by the Motor Vehicles Act, certain passenger injury/death except as required by the Motor Vehicles Act, war, nuclear weapons material, and owner-driver PA exclusions for self-injury/suicide/physical defect/infirmity and intoxication or drugs.","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; ... 3. 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) ... 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":3,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-private-car-liability-only-insurance-3-years-irdan155rp0047v02201819/document/13361#c-5-a-2"},{"clause":"5(b)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-private-car-liability-only-insurance-3-years-irdan155rp0047v02201819/document/13361#c-5-b-2"},{"clause":null,"heading":"B. Standard Exclusions","page":3,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-private-car-liability-only-insurance-3-years-irdan155rp0047v02201819/document/13361#c-b-standard-exclusions"},{"clause":null,"heading":"PERSONAL ACCIDENT COVER FOR OWNER-DRIVER","page":2,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-private-car-liability-only-insurance-3-years-irdan155rp0047v02201819/document/13361#c-personal-accident-cover-for-owner-driver"}],"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":"Third-party liability is subject to the limit of liability laid down in the schedule; third-party property damage is up to the limit specified in the schedule. The owner-driver personal accident cover is stated in the prospectus as Rs. 15 lakh.","display":"Third-party limits as per the schedule; owner-driver PA Rs. 15 lakh","note":"There is no IDV basis for the liability-only cover.","quote":"Subject to the Limit of liability as laid down in the schedule hereto, the Company will indemnify the insured ... 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. ... Personal accident cover to Owner-Driver: Provides compulsory personal accident cover at\nadditional premium to owners of the vehicle for Rs. 15 lakh; provided owner holds valid driving license.","sources":[{"clause":"1","heading":"Subject to the Limit of liability as laid down in the schedule hereto, the Company will","page":1,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-private-car-liability-only-insurance-3-years-irdan155rp0047v02201819/document/13361#c-1"},{"clause":"1","heading":"Personal accident cover to Owner-Driver: Provides compulsory personal accident cover at","page":1,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-private-car-liability-only-insurance-3-years-irdan155rp0047v02201819/document/13369#c-1"}],"law":[]}],"documents":[{"kind":"wording","label":"NaviPrivateCarLiabilityOnlyInsurancePolicy(3 Years) Policy Wordings","pages":28,"fetched_at":"2026-10-17 19:53:26+00","source_url":"https://public-navi-docs.s3.ap-south-1.amazonaws.com/NaviPrivateCarLiabilityOnlyInsurancePolicy%283%20Years%29%20Policy%20Wordings.pdf","url":"https://indiainsurances.com/policy/navi-general-insurance/navi-private-car-liability-only-insurance-3-years-irdan155rp0047v02201819/document/13361"},{"kind":"wording","label":"Navi Private Car Liability Only Insurance- 3 Years (IRDAI copy)","pages":26,"fetched_at":"2026-10-20 01:12:07+00","source_url":"https://irdai.gov.in/documents/37343/993134/IRDAN155RP0047V03201819.pdf/ecd71900-011a-f0bd-3819-52c7a22839e2?version=1.1&t=1668843358460&download=true","url":"https://indiainsurances.com/policy/navi-general-insurance/navi-private-car-liability-only-insurance-3-years-irdan155rp0047v02201819/document/25930"},{"kind":"prospectus","label":"NaviPrivateCarLiabilityOnlyInsurancePolicy(3 Years) Prospectus","pages":4,"fetched_at":"2026-10-17 19:53:40+00","source_url":"https://public-navi-docs.s3.ap-south-1.amazonaws.com/NaviInsurance/NaviPrivateCarLiabilityOnlyInsurancePolicy%283%20Years%29/2020-2021/January/NaviPrivateCarLiabilityOnlyInsurancePolicy%283%20Years%29%20Prospectus.pdf","url":"https://indiainsurances.com/policy/navi-general-insurance/navi-private-car-liability-only-insurance-3-years-irdan155rp0047v02201819/document/13369"},{"kind":"cis","label":"NaviPrivateCarLiabilityOnlyInsurancePolicy(3 Years) CIS","pages":6,"fetched_at":"2026-10-17 19:53:39+00","source_url":"https://public-navi-docs.s3.ap-south-1.amazonaws.com/NaviInsurance/NaviPrivateCarLiabilityOnlyInsurancePolicy%283%20Years%29/2020-2021/January/NaviPrivateCarLiabilityOnlyInsurancePolicy%283%20Years%29%20CIS.pdf","url":"https://indiainsurances.com/policy/navi-general-insurance/navi-private-car-liability-only-insurance-3-years-irdan155rp0047v02201819/document/13368"}],"versions":[{"uin":"IRDAN155RP0047V03201819","version":null,"approved_on":null},{"uin":"IRDAN155RP0047V02201819","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 Private Car Liability Only Insurance 3 Years (UIN IRDAN155RP0047V02201819), IndiaInsurances, https://indiainsurances.com/policy/navi-general-insurance/navi-private-car-liability-only-insurance-3-years-irdan155rp0047v02201819"}