{"uin":"IRDAN155RPMT0004V01202526","name":"Navi Pay-As-You-Drive Two Wheeler Package Insurance","url":"https://indiainsurances.com/policy/navi-general-insurance/navi-pay-as-you-drive-two-wheeler-package-insurance-irdan155rpmt0004v01202526","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":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"This is a pay-as-you-drive two-wheeler motor policy with package and standalone own-damage wordings, where own-damage cover is linked to committed kilometre plans. It covers listed own-damage perils, third-party liability under the package cover, and owner-driver personal accident cover of Rs.15,00,000 subject to conditions.","analysis":{"state":"machine","analysed_at":"2026-10-20 05:37:35.517164+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":"quote-verified","value":["Plan 1: Up to 5,000 km per annum","Plan 2: 5,001 km to 7,500 km per annum","Plan 3: 7,501 km to 10,000 km per annum","Plan 4: 10,001 km to 15,000 km per annum"],"display":"Plan 1: Up to 5,000 km per annum; Plan 2: 5,001 km to 7,500 km per annum; Plan 3: 7,501 km to 10,000 km per annum; Plan 4: 10,001 km to 15,000 km per annum","note":"The specific discount rates for each plan are stated to be in the Policy Schedule.","quote":"The discount on Own Damage premium is calculated based on the following Kilometer Plans:\nPlan 1: Up to 5,000 km per annum Plan 2: 5,001 km to 7,500 km per annum Plan 3: 7,501 km to 10,000 km per annum Plan 4: 10,001 km to 15,000 km per annum","sources":[{"clause":"3","heading":"KILOMETER PLANS AND DISCOUNT STRUCTURE","page":7,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-pay-as-you-drive-two-wheeler-package-insurance-irdan155rpmt0004v01202526/document/13251#c-3-3"}],"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":"Policies are normally issued or renewed for twelve months and no policy is permitted for longer than twelve months. Extensions for periods less than twelve months are permitted for renewal-date alignment or other reasons convenient to the insured.","display":"Twelve months; no policy longer than twelve months","note":null,"quote":"Unless specifically stated otherwise, premiums quoted in the Schedules under various Sections of the India Motor Tariff are the premiums payable on policies issued or renewed for a period of twelve months. No policy is permitted to be issued or renewed for any period longer than twelve months. It\nshall, however, be permissible to extend the period of insurance under the policy for any period less than twelve months","sources":[{"clause":"4(ii)","heading":null,"page":36,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-pay-as-you-drive-two-wheeler-package-insurance-irdan155rpmt0004v01202526/document/13251#c-4-ii"}],"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, loss or damage. Theft or other criminal act must also be reported immediately to the police.","display":"Immediately upon occurrence; theft or criminal act also to police immediately","note":null,"quote":"Notice shall be given in writing to the Company immediately upon the occurrence of any accidental or loss or\nNavi Pay as you Drive Two Wheeler Package Insurance | UIN: IRDAN155RPMT0004V01202526 | CIN: U66000KA2016PlC148551 damage in the event of any claim ... In case of theft or other criminal act which may be the subject of a claim under this Policy the insured shall give immediate notice to the police and co-operate with the Company in securing the conviction of the offender.","sources":[{"clause":"12(c)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-pay-as-you-drive-two-wheeler-package-insurance-irdan155rpmt0004v01202526/document/13251#c-12-c"}],"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":["Accident claims: Proof of insurance – Policy copy; Copy of Registration Book, Tax Receipt; Copy of Motor Driving License; Police Panchanama /FIR; Estimate for repairs; Repair Bills/Invoices and payment receipts","Theft claims: Original Policy document; Original Registration Book/Certificate and Tax Payment Receipt; keys, service booklet, warranty card and original purchase invoice; Police Panchanama/ FIR and Final Investigation Report/Non-Traceable Report; RTO theft intimation; Forms 28, 29, 30 and 35; Letter of Subrogation; financier NOC","Liability claims: Policy Copy; Copy of Registration Book; Copy of Motor Driving License; Police Panchanama /FIR","Personal accident claims: Policy copy; disability certificate; discharge summary; diagnostic reports; FIR / Panchanama; Final Police Report; Death Certificate; Post Mortem report; Legal Heir certificate /nominee certificate; driving license for owner driver"],"display":"Accident, theft, liability and personal accident claim documents are listed separately","note":"The prospectus says the Company may ask additional relevant documents based on the nature, complexity and circumstances of the loss.","quote":"• Proof of insurance – Policy copy\n• Copy of Registration Book, Tax Receipt [original required for verification]\n• Copy of Motor Driving License of the person driving the vehicle at the time of accident (original required for verification)\n• Police Panchanama /FIR (In case of Third Party property damage /Death / Body Injury)\n• Estimate for repairs if available\n• Repair Bills/Invoices and payment receipts after the job is completed ... • Original Policy document\n• Original Registration Book/Certificate and Tax Payment Receipt\n• All the sets of keys/Service Booklet/Warranty Card/Original Purchase Invoice\n• Police Panchanama/ FIR and Final Investigation Report/Non-Traceable Report.\n• Acknowledged copy of letter addressed to RTO intimating theft and informing “NON-USE\"\n• Form 28, 29 and 30 signed by the Insured and Form 35 signed by the Financer/ transferred RC as applicable\n• Letter of Subrogation\n• NOC from the Financer if claim is to be paid to Insured. ... • 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)","sources":[{"clause":null,"heading":"For Accident Claims","page":7,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-pay-as-you-drive-two-wheeler-package-insurance-irdan155rpmt0004v01202526/document/13254#c-for-accident-claims"},{"clause":null,"heading":"Documents for Theft Claims","page":8,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-pay-as-you-drive-two-wheeler-package-insurance-irdan155rpmt0004v01202526/document/13254#c-documents-for-theft-claims"},{"clause":null,"heading":"Documents for Liability claims","page":8,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-pay-as-you-drive-two-wheeler-package-insurance-irdan155rpmt0004v01202526/document/13254#c-documents-for-liability-claims"},{"clause":null,"heading":"Documents for Personal Accident Claims","page":8,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-pay-as-you-drive-two-wheeler-package-insurance-irdan155rpmt0004v01202526/document/13254#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":"After the final or additional survey report and all required relevant claim information/documents are received, the Company must offer settlement or reject the claim within 30 days. If not settled within 30 days, interest is payable at 2% above bank rate from the date of receipt of the last relevant and necessary document until actual payment.","display":"Settlement offer or rejection within 30 days from final survey/additional report and all required documents","note":"The CIS also says for own-damage claims: “We will release claim payment within 7 working days after receipt of al claim document.”","quote":"On receipt of the final survey report or the additional survey report, as the case may be, and 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 the final survey report and/or additional information/documents or the additional survey report, as the case may be. ... 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. ... We will release claim payment within 7 working days after receipt of al claim document.","sources":[{"clause":null,"heading":"Documents for Personal Accident Claims","page":8,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-pay-as-you-drive-two-wheeler-package-insurance-irdan155rpmt0004v01202526/document/13254#c-documents-for-personal-accident-claims"},{"clause":null,"heading":"Own Damage sample claim calculation process for Partial loss (without the add","page":7,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-pay-as-you-drive-two-wheeler-package-insurance-irdan155rpmt0004v01202526/document/13253#c-own-damage-sample-claim-calculation-process-for"}],"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":["Claims under the Own Damage section after exhaustion of the Kilometer Limit without a valid Top-up","Odometer reading cannot be verified due to tampering or non-functionality","Insured refuses to provide odometer verification when requested","Vehicles used for commercial purposes, hire or reward","Vehicles used for racing, pace-making, or reliability trials","Consequential loss, depreciation, wear and tear, mechanical or electrical breakdown, failures or breakages","Damage to Tyres and Tubes unless the vehicle insured is damaged at the same time","Loss of or damage to accessories by burglary housebreaking or theft unless the vehicle is stolen at the same time","Under the influence of intoxicating liquor or drugs","Outside the Geographical Area","Contractual liability","Used otherwise than in accordance with the ‘Limitations as to Use’ or driven by a person other than a Driver as stated in the Driver’s Clause","War, invasion, hostilities, civil war, mutiny rebellion, military or usurped power","Nuclear weapons material"],"display":"PAYD-specific exclusions plus standard motor exclusions including wear and tear, drunk driving, outside geographical area, contractual liability, prohibited use, war and nuclear risks","note":null,"quote":"Claims under the Own Damage section shall not be payable:\na) If any claim is reported after the exhaustion of the Kilometer Limit without a valid Top-up;\nb) If the odometer reading cannot be verified due to tampering or non-functionality;\nc) If the Insured refuses to provide odometer verification when requested;\nd) For vehicles used for commercial purposes, hire or reward;\ne) For vehicles used for racing, pace-making, or reliability trials. ... a) consequential loss, depreciation, wear and tear, mechanical or electrical breakdown, failures or breakages; ... b) damage to Tyres and Tubes unless the vehicle insured is damaged at the same time in which case the liability of the Company shall be limited to 50% of the cost of replacement. (c) Loss of or damage to accessories by burglary housebreaking or theft unless the vehicle is stolen at the same time; and\n(d) any accidental loss or damage suffered whilst the Insured or any person driving the vehicle with the knowledge and consent of the Insured is under the influence of intoxicating liquor or drugs. ... Any accidental loss damage and/or liability caused sustained or incurred outside the Geographical Area*. ... Any claim arising out of any contractual liability; ... Any accidental loss damage and/or liability caused sustained or incurred whilst the vehicle insured herein is\na) being used otherwise than in accordance with the ‘Limitations as to Use’ or\nb) being driven by or is for the purpose of being driven by him/her in the charge of any person other than a Driver as stated in the Driver’s Clause. ... Any accidental loss damage and/or liability directly or indirectly or proximately or remotely occasioned by or 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 ... Any accidental loss damage or liability directly or indirectly caused by or contributed to by or arising from nuclear weapons material;","sources":[{"clause":"11","heading":"EXCLUSIONS SPECIFIC TO PAYD","page":10,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-pay-as-you-drive-two-wheeler-package-insurance-irdan155rpmt0004v01202526/document/13251#c-11"},{"clause":"4(a)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-pay-as-you-drive-two-wheeler-package-insurance-irdan155rpmt0004v01202526/document/13251#c-4-a"},{"clause":"4(b)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-pay-as-you-drive-two-wheeler-package-insurance-irdan155rpmt0004v01202526/document/13251#c-4-b"},{"clause":"1","heading":null,"page":5,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-pay-as-you-drive-two-wheeler-package-insurance-irdan155rpmt0004v01202526/document/13251#c-1-2"},{"clause":"2","heading":null,"page":5,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-pay-as-you-drive-two-wheeler-package-insurance-irdan155rpmt0004v01202526/document/13251#c-2-2"},{"clause":"3","heading":null,"page":5,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-pay-as-you-drive-two-wheeler-package-insurance-irdan155rpmt0004v01202526/document/13251#c-3-2"},{"clause":"6","heading":null,"page":6,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-pay-as-you-drive-two-wheeler-package-insurance-irdan155rpmt0004v01202526/document/13251#c-6"},{"clause":"5","heading":null,"page":6,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-pay-as-you-drive-two-wheeler-package-insurance-irdan155rpmt0004v01202526/document/13251#c-5"}],"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 by toll-free phone, email, website, branch/partner locations or letter. If not resolved, escalate to Manager Customer Experience, then to the Grievance Redressal Officer and Head Customer Experience, before IRDAI or Insurance Ombudsman.","display":"Call 1800 123 0004, email insurance.help@navi.com, website/branch/letter; escalate to Manager Customer Experience, then GRO and Head Customer Experience","note":null,"quote":"a) Call us on our Toll Free 1800 123 0004 for any queries that you may have! ... b) Email your queries to insurance.help@navi.com ... c) Visit our website www.naviinsurance.com to register & track your queries. ... d) Please walk in to any of our branches or partner locations. ... Escalation Matrix Leve 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\nLevel 2 If you still are not happy about the resolution provided, then you may please write to our Grievance Redressal Officer (GRO) and Head Customer Experience at Head.CustomerExperience@navi.com.","sources":[{"clause":"12(a)","heading":null,"page":25,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-pay-as-you-drive-two-wheeler-package-insurance-irdan155rpmt0004v01202526/document/13251#c-12-a-9"},{"clause":"12(b)","heading":null,"page":25,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-pay-as-you-drive-two-wheeler-package-insurance-irdan155rpmt0004v01202526/document/13251#c-12-b-9"},{"clause":"12(c)","heading":null,"page":25,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-pay-as-you-drive-two-wheeler-package-insurance-irdan155rpmt0004v01202526/document/13251#c-12-c-5"},{"clause":"12(d)","heading":null,"page":25,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-pay-as-you-drive-two-wheeler-package-insurance-irdan155rpmt0004v01202526/document/13251#c-12-d"},{"clause":"12(e)","heading":null,"page":25,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-pay-as-you-drive-two-wheeler-package-insurance-irdan155rpmt0004v01202526/document/13251#c-12-e"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"perils","label":"What is covered","section":"Cover","meaning":"The events or risks covered.","status":"quote-verified","value":["fire explosion self-ignition or lightning","burglary housebreaking or theft","riot and strike","earthquake (fire and shock damage)","flood typhoon hurricane storm tempest inundation cyclone hailstorm frost","accidental external means","malicious act","terrorist activity","whilst in transit by road rail inland-waterway lift elevator or air","landslide rockslide"],"display":"Fire, theft, riot/strike, earthquake, flood/storm/cyclone and similar perils, accident, malicious act, terrorism, transit, landslide/rockslide","note":"Own Damage coverage is subject to the PAYD kilometre limit unless topped up.","quote":"The Company will indemnify the insured against loss or damage to the vehicle insured hereunder and / or its accessories whilst thereon\ni) by fire explosion self-ignition or lightning;\nii) by burglary housebreaking or theft;\niii) by riot and strike;\niv) by earthquake (fire and shock damage);\nv) by flood typhoon hurricane storm tempest inundation cyclone hailstorm frost;\nvi) by accidental external means;\nvii) by malicious act;\nviii) by terrorist activity;\nix) whilst in transit by road rail inland-waterway lift elevator or air;\nx) by landslide rockslide.","sources":[{"clause":"1","heading":null,"page":1,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-pay-as-you-drive-two-wheeler-package-insurance-irdan155rpmt0004v01202526/document/13251#c-1"}],"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, proof of insurance elsewhere and surrender of the original certificate are required; if no claim has occurred, premium is retained on the short-period scale and the balance is refunded, subject to minimum premium. If a claim has occurred, there is no refund.","display":"Short-period refund if no claim; no refund if a claim has occurred","note":"The short-period scale retains 20% up to 1 month, 30% up to 2 months, 40% up to 3 months, 50% up to 4 months, 60% up to 5 months, 70% up to 6 months, 80% up to 7 months, 90% up to 8 months, and full annual premium beyond 8 months.","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 at least for liability only cover 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. 25/- in respect of vehicles specifically designed/modified for use by blind/handicapped/ mentally challenged persons).","sources":[{"clause":"12(b)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-pay-as-you-drive-two-wheeler-package-insurance-irdan155rpmt0004v01202526/document/13251#c-12-b-2"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"not-stated","value":null,"display":null,"note":"The wording excludes loss outside the Geographical Area and the CIS refers to the geographical area stated in the schedule, but the provided clauses do not define the base geographical area.","quote":null,"sources":[],"law":[]},{"key":"cover_types","label":"Cover types","section":"Cover","meaning":"Comprehensive, standalone own damage, third-party only.","status":"quote-verified","value":["Package Policy","Standalone Own Damage Policy"],"display":"Package Policy and Standalone Own Damage Policy","note":"The documents supplied include both package and standalone own-damage wordings under the same UIN.","quote":"NAVI PAY-AS-YOU-DRIVE TWO WHEELER PACKAGE POLICY ... NAVI PAY-AS-YOU-DRIVE TWO WHEELER STANDALONE OWN DAMAGE POLICY","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-pay-as-you-drive-two-wheeler-package-insurance-irdan155rpmt0004v01202526/document/13251#c-s1"},{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-pay-as-you-drive-two-wheeler-package-insurance-irdan155rpmt0004v01202526/document/13257#c-s1"}],"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":"Under the package liability section, the Company indemnifies the insured for legal liability for death or bodily injury to any person and damage to property other than the insured's own or controlled property. The tariff annexure states Third Party Property Damage cover for Two Wheelers is Rs 7.50 lakhs, with an option at inception to restrict it to the statutory limit of Rs. 6000/-.","display":"Covers death/bodily injury to any person and third-party property damage; TPPD for Two Wheelers is Rs 7.50 lakhs unless restricted to Rs. 6000/-","note":"The wording says liability is subject to the limit of liability in the schedule; it does not print an unlimited death/injury amount.","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 Insured Vehicle against all sums which the insured shall become legally liable to pay in respect of ... i) death of or bodily injury to any person including occupants carried in the insured vehicle ... ii) damage to property other than property belonging to the insured or held in trust or in the custody or control of the insured. ... Two Wheelers | 7.50 lakhs ... B. However, the insured can at the inception of the policy, opt to restrict to the TPPD cover to the statutory limit of Rs. 6000/- as provided in the M. V. Act.","sources":[{"clause":"4(a)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-pay-as-you-drive-two-wheeler-package-insurance-irdan155rpmt0004v01202526/document/13251#c-4-a-2"},{"clause":"4(a)(i)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-pay-as-you-drive-two-wheeler-package-insurance-irdan155rpmt0004v01202526/document/13251#c-4-a-i"},{"clause":"4(a)(ii)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-pay-as-you-drive-two-wheeler-package-insurance-irdan155rpmt0004v01202526/document/13251#c-4-a-ii"},{"clause":"4(II)(b)(iii)","heading":null,"page":47,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-pay-as-you-drive-two-wheeler-package-insurance-irdan155rpmt0004v01202526/document/13251#c-4-ii-b-iii"}],"law":[{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch V, I, Paras 1 to 4","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch V, I, Para 7","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 146","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 147","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 150","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 157","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 164","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 161","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 166(3)","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 162","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"idv","label":"Insured declared value (IDV)","section":"Cover","meaning":"The vehicle's insured value: maximum paid for theft or total loss.","status":"quote-verified","value":"The Insured's Declared Value is deemed to be the Sum Insured, fixed at the commencement of each policy period based on the manufacturer's listed selling price of the brand and model, adjusted for depreciation. It is treated as the market value throughout the policy period for total loss or constructive total loss claims.","display":"IDV is the Sum Insured, fixed at policy commencement from manufacturer listed selling price adjusted for depreciation","note":"For vehicles beyond 5 years of age and obsolete models, IDV is determined by understanding between insurer and insured.","quote":"The Insured’s Declared Value (IDV) of the vehicle will be deemed to be the ‘SUM INSURED’ for the purpose of this policy which is fixed at the commencement of each policy period for the insured vehicle. ... The IDV of the vehicle (and side car accessories, if any, fitted to the vehicle) is to be fixed on the basis of the manufacturer’s listed selling price of the brand and model as the insured vehicle at the commencement of insurance/renewal and adjusted for depreciation ... IDV shall be treated as the ‘Market Value’ throughout the policy period without any further depreciation for the purpose of Total Loss (TL) / Constructive Total Loss (CTL) claims.","sources":[{"clause":"4(a)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-pay-as-you-drive-two-wheeler-package-insurance-irdan155rpmt0004v01202526/document/13251#c-4-a-2"}],"law":[]},{"key":"depreciation","label":"Depreciation on parts","section":"Limits and co-pay","meaning":"How much of the cost of replaced parts you bear because of age (unless you have zero depreciation).","status":"quote-verified","value":"For replaced parts, depreciation is 50% for rubber/nylon/plastic parts, tyres, tubes and batteries; 30% for fibre glass components; nil for glass parts; and for other parts including wooden parts, nil to 50% by vehicle age. Painting depreciation of 50% applies only to material cost, with material treated as 25% of consolidated painting charges.","display":"Parts depreciation: 50% rubber/nylon/plastic/tyres/tubes/batteries; 30% fibre glass; nil glass; other parts nil to 50% by age; painting 50% on material cost","note":null,"quote":"Subject to a deduction for depreciation at the rates mentioned below in respect of parts replaced: 1. For all Rubber/ Nylon / Plastic parts, tyres and tubes, batteries - 50% ... For fibre glass components - 30% ... For all parts made of glass - Nil ... AGE OF VEHICLE | % OF DEPRECIATION\nNot exceeding 6 months | Nil\nExceeding 6 months but not exceeding 1 year | 5%\nExceeding 1 year but not exceeding 2 years | 10%\nExceeding 2 years but not exceeding 3 years | 15%\nExceeding 3 years but not exceeding 4 years | 25%\nExceeding 4 years but not exceeding 5 years | 35%\nExceeding 5 years but not exceeding 10 years | 40%\nExceeding 10 years | 50%\nRate of Depreciation for Painting: In the case of painting, the depreciation rate of 50% shall be applied only on the material cost of total painting charges. In case of a consolidated bill for painting charges, the material component shall be considered as 25% of total painting charges for the purpose of applying the depreciation.","sources":[{"clause":"1","heading":null,"page":1,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-pay-as-you-drive-two-wheeler-package-insurance-irdan155rpmt0004v01202526/document/13251#c-1"},{"clause":"2","heading":"For fibre glass components - 30%","page":1,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-pay-as-you-drive-two-wheeler-package-insurance-irdan155rpmt0004v01202526/document/13251#c-2"},{"clause":"3","heading":"For all parts made of glass - Nil","page":1,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-pay-as-you-drive-two-wheeler-package-insurance-irdan155rpmt0004v01202526/document/13251#c-3"},{"clause":"4","heading":null,"page":1,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-pay-as-you-drive-two-wheeler-package-insurance-irdan155rpmt0004v01202526/document/13251#c-4"}],"law":[]},{"key":"ncb","label":"No-claim bonus","section":"Cover","meaning":"Discount on own-damage premium for claim-free years (20% to 50%).","status":"quote-verified","value":"No Claim Bonus is earned only on the Own Damage section after renewal of a full 12-month policy. The discount is 20%, 25%, 35%, 45% and 50% for one to five preceding claim-free years respectively.","display":"20% to 50% on own-damage premium for claim-free years","note":null,"quote":"No Claim Bonus (NCB) can be earned only in the Own Damage section of Policies covering all classes of vehicles ... An insured becomes entitled to NCB only at the\nNavi Pay as you Drive Two Wheeler Package Insurance | UIN: IRDAN155RPMT0004V01202526 | CIN: U66000KA2016PlC148551 renewal of a policy after the expiry of the full duration of 12 months. ... All types of Vehicles | % Discount on Own Damage premium\nNo claim made or pending during the preceding full year of insurance | 20%\nNo claim made or pending during the preceding 2 consecutive years of insurance | 25%\nNo claim made or pending during the preceding 3 consecutive years of insurance | 35%\nNo claim made or pending during the preceding 4 consecutive years of insurance | 45%\nNo claim made or pending during the preceding 5 consecutive years of | 50%","sources":[{"clause":"4(a)","heading":null,"page":41,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-pay-as-you-drive-two-wheeler-package-insurance-irdan155rpmt0004v01202526/document/13251#c-4-a-6"},{"clause":"4(b)","heading":null,"page":42,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-pay-as-you-drive-two-wheeler-package-insurance-irdan155rpmt0004v01202526/document/13251#c-4-b-5"}],"law":[]},{"key":"compulsory_deductible","label":"Compulsory deductible","section":"Limits and co-pay","meaning":"Fixed amount you pay on every own-damage claim.","status":"quote-verified","value":"Own Damage claims are subject to a compulsory deductible. The tariff table states Rs. 100 for Motorized Two Wheelers, Rs. 1,000 for Two Wheelers including three wheelers rated as Two Wheelers not exceeding 1500cc, and Rs. 2,000 for those exceeding 1500 cc.","display":"Rs. 100 for Motorized Two Wheelers; Rs. 1,000 or Rs. 2,000 for Two Wheelers by cc","note":"The CIS says the compulsory deductible is listed in the policy schedule and gives ₹100 for all Motorized Two Wheelers.","quote":"GR.40. Compulsory Deductibles. Claims under Own Damage section of policies covering all classes of vehicles are subject to a compulsory deductible as per the under noted table: - ... Two Wheelers including three wheelers rated as Two Wheelers (Not exceeding 1500cc) | 1000/- ... Two Wheelers including three wheelers rated as Two Wheelers (Exceeding 1500 cc) | 2000/-\nMotorized Two Wheelers. | 100/-","sources":[{"clause":"4(II)(b)(iii)","heading":null,"page":47,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-pay-as-you-drive-two-wheeler-package-insurance-irdan155rpmt0004v01202526/document/13251#c-4-ii-b-iii"}],"law":[]},{"key":"deductible","label":"Voluntary deductible","section":"Limits and co-pay","meaning":"An extra amount per claim you choose to bear for a lower premium.","status":"quote-verified","value":"A voluntary deductible is available if opted; the insured bears the first opted amount for each event under Section 1 and receives a reduction in premium.","display":"Available if opted; amount not printed in the wording","note":"The wording leaves the rupee amount blank; it would be as opted/endorsed.","quote":"Voluntary Deductible\nIt is by declared and agreed that the insured having opted a voluntary deductible of Rs. ............ a reduction in premium of Rs. ....... under Section 1 of the policy is hereby allowed. In consideration of the above, it is hereby understood and agreed that the insured shall bear under Section 1 of the policy in respect of each and every event (including event giving rise to a total loss/constructive total loss) the first Rs........","sources":[{"clause":"12(b)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-pay-as-you-drive-two-wheeler-package-insurance-irdan155rpmt0004v01202526/document/13251#c-12-b-6"}],"law":[]},{"key":"pa_owner_driver","label":"Personal accident cover for owner-driver","section":"Cover","meaning":"Compulsory PA cover for the owner-driver.","status":"quote-verified","value":"Owner-driver personal accident cover pays compensation for accidental bodily injury or death connected with the insured vehicle, with Rs.15,00,000 maximum aggregate liability in any one period of insurance. It is subject to the owner-driver being the registered owner, the insured named in the policy, and holding an effective driving licence.","display":"Rs.15,00,000 owner-driver PA cover, subject to registered owner/named insured/effective driving licence","note":null,"quote":"Subject otherwise to the terms exceptions conditions and limitations of this Policy, 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 ... Provided always that A) 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.15,00,000 during any one period of insurance. ... This cover is subject to\na) the Owner-Driver is the registered owner of the vehicle insured herein;\nb) the Owner-Driver is the insured named in this policy.\nc) 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":"Section III","heading":"PERSONAL ACCIDENT COVER FOR OWNER-DRIVER","page":4,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-pay-as-you-drive-two-wheeler-package-insurance-irdan155rpmt0004v01202526/document/13251#c-section-iii"}],"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":["Enhanced Pillion Rider Personal Accident","Consumable Expenses","Roadside Assistance"],"display":"Enhanced Pillion Rider Personal Accident; Consumable Expenses; Roadside Assistance","note":"Add-ons apply only if opted and mentioned in the Policy Schedule.","quote":"Following add-on covers are available under the product. Please check your Policy Schedule for the add-on covers as opted and applicable to your policy, only the add-on covers opted by You and mentioned in the Policy Schedule will be applicable to your Policy: ... 1 | Enhanced Pillion Rider Personal Accident | IRDAN155RP0001V01201819 /A0036V01201819 | As per Policy Schedule ... 2 | Consumable Expenses | IRDAN155RP0001V01201819 /A0004V01201819 | As per Policy Schedule ... 3 | Roadside Assistance | IRDAN155RP0001V01201819 /A0034V01201819 | As per Policy Schedule","sources":[{"clause":null,"heading":null,"page":2,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-pay-as-you-drive-two-wheeler-package-insurance-irdan155rpmt0004v01202526/document/13253#c-s3"},{"clause":"Row 1","heading":"Enhanced Pillion Rider Personal Accident","page":3,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-pay-as-you-drive-two-wheeler-package-insurance-irdan155rpmt0004v01202526/document/13253#c-row-1-2"},{"clause":"Row 2","heading":"Consumable Expenses","page":3,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-pay-as-you-drive-two-wheeler-package-insurance-irdan155rpmt0004v01202526/document/13253#c-row-2"},{"clause":"Row 3","heading":"Roadside Assistance","page":3,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-pay-as-you-drive-two-wheeler-package-insurance-irdan155rpmt0004v01202526/document/13253#c-row-3"}],"law":[]},{"key":"cashless_garages","label":"Cashless garages","section":"Claims","meaning":"Whether repairs can be cashless at network garages.","status":"quote-verified","value":"Own Damage repairs can be done cashless at a network garage; otherwise reimbursement is available at a garage of choice.","display":"Yes, cashless at network garages; reimbursement at any garage of choice","note":null,"quote":"Own Damage Claims: You are advised to shift your vehicle to any of our network garage to avail “cashless” facility. Alternatively, you may shift your vehicle to any garage of your choice to avail claim as “Reimbursement”.","sources":[{"clause":null,"heading":"Own Damage sample claim calculation process for Partial loss (without the add","page":7,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-pay-as-you-drive-two-wheeler-package-insurance-irdan155rpmt0004v01202526/document/13253#c-own-damage-sample-claim-calculation-process-for"}],"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":["Damage due to drunk driving","Driving without a valid driving license","Damage which is not a direct result of an accident","Damage due to wilful negligence","Fraudulent claim or false declaration","Any claim reported after exhaustion of the Kilometer Limit without a valid Top-up","Odometer reading cannot be verified due to tampering or non-functionality","Refusal to provide odometer verification when requested","Vehicles used for commercial purposes, hire or reward","Vehicles used for racing, pace-making, or reliability trials","Consequential loss, depreciation, wear and tear, mechanical or electrical breakdown, failures or breakages","Outside the Geographical Area"],"display":"No drunk driving, no valid licence, non-accident damage, wilful negligence, fraud, PAYD kilometre/odometer exclusions, commercial/hire use, racing/pace-making/reliability trials, wear and tear/breakdown, and outside geographical area","note":null,"quote":"• Damage due to drunk driving\n• Driving without a valid driving license\n• Damage which is not a direct result of an accident\n• Damage due to wilful negligence\n• If a claim is in any respect fraudulent, or if any false declaration is made or used in support thereof, or if any fraudulent means. ... Claims under the Own Damage section shall not be payable:\na) If any claim is reported after the exhaustion of the Kilometer Limit without a valid Top-up;\nb) If the odometer reading cannot be verified due to tampering or non-functionality;\nc) If the Insured refuses to provide odometer verification when requested;\nd) For vehicles used for commercial purposes, hire or reward;\ne) For vehicles used for racing, pace-making, or reliability trials. ... a) consequential loss, depreciation, wear and tear, mechanical or electrical breakdown, failures or breakages; ... Any accidental loss damage and/or liability caused sustained or incurred outside the Geographical Area*.","sources":[{"clause":null,"heading":"Situations where your Vehicle Insurance Claim might get Rejected","page":6,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-pay-as-you-drive-two-wheeler-package-insurance-irdan155rpmt0004v01202526/document/13253#c-situations-where-your-vehicle-insurance-claim-mi"},{"clause":"11","heading":"EXCLUSIONS SPECIFIC TO PAYD","page":10,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-pay-as-you-drive-two-wheeler-package-insurance-irdan155rpmt0004v01202526/document/13251#c-11"},{"clause":"4(a)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-pay-as-you-drive-two-wheeler-package-insurance-irdan155rpmt0004v01202526/document/13251#c-4-a"},{"clause":"1","heading":null,"page":5,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-pay-as-you-drive-two-wheeler-package-insurance-irdan155rpmt0004v01202526/document/13251#c-1-2"}],"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 sum insured is the vehicle's Insured's Declared Value, fixed at the commencement of each policy period from the manufacturer's listed selling price of the brand and model, adjusted for depreciation.","display":"IDV basis: manufacturer listed selling price adjusted for depreciation","note":"IDV for vehicles beyond 5 years of age and obsolete models is determined by understanding between the insurer and the insured.","quote":"SUM INSURED – INSURED’S DECLARED VALUE (IDV) The Insured’s Declared Value (IDV) of the vehicle will be deemed to be the ‘SUM INSURED’ for the purpose of this policy which is fixed at the commencement of each policy period for the insured vehicle. ... The IDV of the vehicle (and side car accessories, if any, fitted to the vehicle) is to be fixed on the basis of the manufacturer’s listed selling price of the brand and model as the insured vehicle at the commencement of insurance/renewal and adjusted for depreciation","sources":[{"clause":"4(a)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-pay-as-you-drive-two-wheeler-package-insurance-irdan155rpmt0004v01202526/document/13251#c-4-a-2"}],"law":[]}],"documents":[{"kind":"wording","label":"Navi Pay-As-You-Drive Two Wheeler Package Insurance Policy Wording","pages":58,"fetched_at":"2026-10-17 19:49:43+00","source_url":"https://public-navi-docs.s3.ap-south-1.amazonaws.com/Navi%20Pay-As-You-Drive%20Two%20Wheeler%20Package%20Insurance%20Policy%20Wording","url":"https://indiainsurances.com/policy/navi-general-insurance/navi-pay-as-you-drive-two-wheeler-package-insurance-irdan155rpmt0004v01202526/document/13251"},{"kind":"wording","label":"Navi Pay-As-You-Drive Two Wheeler Own Damage Only Insurance Policy Wording","pages":58,"fetched_at":"2026-10-17 19:50:00+00","source_url":"https://public-navi-docs.s3.ap-south-1.amazonaws.com/Navi%20Pay-As-You-Drive%20Two%20Wheeler%20Own%20Damage%20Only%20Insurance%20Policy%20Wording","url":"https://indiainsurances.com/policy/navi-general-insurance/navi-pay-as-you-drive-two-wheeler-package-insurance-irdan155rpmt0004v01202526/document/13257"},{"kind":"prospectus","label":"Navi Pay-As-You-Drive Two Wheeler Package Insurance Prospectus","pages":11,"fetched_at":"2026-10-17 19:49:45+00","source_url":"https://public-navi-docs.s3.ap-south-1.amazonaws.com/Navi%20Pay-As-You-Drive%20Two%20Wheeler%20Package%20Insurance%20Prospectus","url":"https://indiainsurances.com/policy/navi-general-insurance/navi-pay-as-you-drive-two-wheeler-package-insurance-irdan155rpmt0004v01202526/document/13245"},{"kind":"prospectus","label":"Navi Pay-As-You-Drive Two Wheeler Own Damage Only Insurance Prospectus","pages":11,"fetched_at":"2026-10-17 19:50:02+00","source_url":"https://public-navi-docs.s3.ap-south-1.amazonaws.com/Navi%20Pay-As-You-Drive%20Two%20Wheeler%20Own%20Damage%20Only%20Insurance%20Prospectus","url":"https://indiainsurances.com/policy/navi-general-insurance/navi-pay-as-you-drive-two-wheeler-package-insurance-irdan155rpmt0004v01202526/document/13254"},{"kind":"cis","label":"Navi Pay-As-You-Drive Two Wheeler Package Insurance CIS","pages":12,"fetched_at":"2026-10-17 19:49:44+00","source_url":"https://public-navi-docs.s3.ap-south-1.amazonaws.com/Navi%20Pay-As-You-Drive%20Two%20Wheeler%20Package%20Insurance%20CIS","url":"https://indiainsurances.com/policy/navi-general-insurance/navi-pay-as-you-drive-two-wheeler-package-insurance-irdan155rpmt0004v01202526/document/13244"},{"kind":"cis","label":"Navi Pay-As-You-Drive Two Wheeler Own Damage Only Insurance CIS","pages":12,"fetched_at":"2026-10-17 19:50:01+00","source_url":"https://public-navi-docs.s3.ap-south-1.amazonaws.com/Navi%20Pay-As-You-Drive%20Two%20Wheeler%20Own%20Damage%20Only%20Insurance%20CIS","url":"https://indiainsurances.com/policy/navi-general-insurance/navi-pay-as-you-drive-two-wheeler-package-insurance-irdan155rpmt0004v01202526/document/13253"}],"versions":[{"uin":"IRDAN155RPMT0003V01202526","version":null,"approved_on":null},{"uin":"IRDAN155RPMT0004V01202526","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 Pay-As-You-Drive Two Wheeler Package Insurance (UIN IRDAN155RPMT0004V01202526), IndiaInsurances, https://indiainsurances.com/policy/navi-general-insurance/navi-pay-as-you-drive-two-wheeler-package-insurance-irdan155rpmt0004v01202526"}