{"uin":"IRDAN157RP0003V01201718","name":"Goods Carrying Vehicle - Liability","url":"https://indiainsurances.com/policy/acko-general-insurance/goods-carrying-vehicle-liability-irdan157rp0003v01201718","insurer":{"slug":"acko-general-insurance","name":"Acko General Insurance Limited","url":"https://indiainsurances.com/insurer/acko-general-insurance"},"line":"general","category":"motor-commercial","category_name":"Commercial vehicle insurance","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"This is a liability-only goods carrying vehicle policy covering third-party death or bodily injury, third-party property damage, and owner-driver personal accident cover if opted. Third-party death or bodily injury has no limit, third-party property damage is up to INR 7.5 lakhs, and add-on cover is not applicable.","analysis":{"state":"machine","analysed_at":"2026-10-20 10:02:53.60418+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":"not-stated","value":null,"display":null,"note":"The wording refers to the period of insurance and the policy schedule but does not state a fixed policy term.","quote":null,"sources":[],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"Notice must be given in writing to the Company immediately upon any accident and in the event of any claim. Every letter, claim, writ, summons and/or process must be forwarded immediately on receipt by the insured.","display":"Immediately upon accident and claim; letters/process immediately on receipt","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. Every letter claim writ summons and/or process shall be forwarded to the Company immediately on receipt by the insured.","sources":[{"clause":null,"heading":"CONDITIONS","page":3,"url":"https://indiainsurances.com/policy/acko-general-insurance/goods-carrying-vehicle-liability-irdan157rp0003v01201718/document/1551#c-conditions"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Driving License","RC Copy","Police FIR Copy","other relevant documents required at the time of claim"],"display":"Driving License, RC Copy, Police FIR Copy and other relevant documents required at the time of claim","note":null,"quote":"Step 2: Submit necessary documents such as Driving License, RC Copy, Police FIR Copy and other relevant documents required at the time of claim.","sources":[{"clause":null,"heading":"Situations where your Vehicle Insurance Claim might get","page":3,"url":"https://indiainsurances.com/policy/acko-general-insurance/goods-carrying-vehicle-liability-irdan157rp0003v01201718/document/1555#c-situations-where-your-vehicle-insurance-claim-mi"}],"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":"not-stated","value":null,"display":null,"note":"The CIS says third-party liability claim processing shall be as per the procedure of law, but it does not promise a settlement time.","quote":null,"sources":[],"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","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) being carried in or upon or entering or mounting or alighting from the Motor Vehicle","War, Invasion, the Act of foreign enemies, hostilities or warlike operations","nuclear weapons material"],"display":"Use outside limitations, unauthorised driver, contractual liability, employment injury/death except as required by the Motor Vehicles Act, passenger injury/death except specified employment passengers, war risks 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. ... The Company shall not be liable in respect of any claim arising out of any contractual liability. ... 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 ... Except so far as is necessary to meet the requirements of the Motor Vehicles Act, the Company shall not be liable in respect of death or bodily injury to any person (other than a passenger carried by reason of or in pursuance of a contract of employment) being carried in or upon or entering or mounting or alighting from the Motor Vehicle ... War, Invasion, the Act of foreign enemies, hostilities or warlike operations ... nuclear weapons material.","sources":[{"clause":"2(a)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/acko-general-insurance/goods-carrying-vehicle-liability-irdan157rp0003v01201718/document/1551#c-2-a-2"},{"clause":"2(b)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/acko-general-insurance/goods-carrying-vehicle-liability-irdan157rp0003v01201718/document/1551#c-2-b-2"}],"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":"For a grievance, contact Acko on toll-free helpline 1800 210 4990 or write to grievance@acko.com. If dissatisfied or if no response is received within 14 working days, write or email the Chief Grievance Officer at gro@acko.com before using IRDAI or Ombudsman routes.","display":"Acko grievance helpline 1800 210 4990 or grievance@acko.com; then Chief Grievance Officer at gro@acko.com if dissatisfied or no response within 14 working days","note":null,"quote":"For resolution of grievance, insured may contact the company on our toll free helpline number 1800 210 4990 (Operating hours: 10 AM – 7 PM, all days of the week). If there is lack of response or if the response provided does not meet your expectation, you can write to grievance@acko.com. ... If in case you are dissatisfied with the decision/resolution provided through details indicated above on your Complaint or have not received any response within 14 working days, you may write or email to Chief Grievance Officer:\nEmail: gro@acko.com","sources":[{"clause":"5(II)(b)","heading":null,"page":22,"url":"https://indiainsurances.com/policy/acko-general-insurance/goods-carrying-vehicle-liability-irdan157rp0003v01201718/document/1551#c-5-ii-b-5"}],"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"],"display":"Third-party death or bodily injury, third-party property damage, and owner-driver bodily injury/death","note":null,"quote":"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 up to the limit specified in the schedule. ... bodily injury/ death sustained by the owner-driver of the vehicle","sources":[{"clause":"1","heading":null,"page":1,"url":"https://indiainsurances.com/policy/acko-general-insurance/goods-carrying-vehicle-liability-irdan157rp0003v01201718/document/1551#c-1"},{"clause":"II","heading":"PERSONAL ACCIDENT COVER FOR OWNER-DRIVER","page":1,"url":"https://indiainsurances.com/policy/acko-general-insurance/goods-carrying-vehicle-liability-irdan157rp0003v01201718/document/1551#c-ii"}],"law":[]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"The insured may cancel at any time by seven days’ notice by recorded delivery. If no claim has arisen, the return premium is the premium less the Company's Short Period rates for the time on risk, subject to retention of minimum premium of Rs. 100, or Rs. 25 for vehicles specifically designed/modified for use by blind/handicapped/mentally challenged persons; on vehicle ownership transfer, cancellation requires evidence that the vehicle is insured elsewhere.","display":"Cancel on seven days’ notice; if no claim, refund is premium less short-period rates, subject to minimum Rs. 100 or Rs. 25 for specified modified vehicles","note":null,"quote":"the policy may be cancelled at any time by the insured on seven days’ notice by recorded delivery and (provided no claim has arisen during the currency of the policy) the insured shall be entitled to a return of premium less premium at the Company’s Short Period rates for the period the Policy has been in force. 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). Where the ownership of the vehicle is transferred, the policy cannot be cancelled unless evidence that the vehicle is insured elsewhere is produced.","sources":[{"clause":null,"heading":"CONDITIONS","page":3,"url":"https://indiainsurances.com/policy/acko-general-insurance/goods-carrying-vehicle-liability-irdan157rp0003v01201718/document/1551#c-conditions"}],"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 liability cover applies to accidents caused by or arising out of use of the motor vehicle anywhere in India.","display":"Anywhere in India","note":null,"quote":"accident caused by or arising out of the use of the Motor Vehicle anywhere in India","sources":[{"clause":"1","heading":null,"page":1,"url":"https://indiainsurances.com/policy/acko-general-insurance/goods-carrying-vehicle-liability-irdan157rp0003v01201718/document/1551#c-1"}],"law":[]},{"key":"cover_types","label":"Cover types","section":"Cover","meaning":"Comprehensive, standalone own damage, third-party only.","status":"quote-verified","value":["Liability Only Policy Goods Carrying Vehicle"],"display":"Liability only / third-party only","note":null,"quote":"1 | Product Name | Liability Only Policy Goods Carrying Vehicle ... 6 | Policy Coverage | • Liability to Third Parties • Personal Accident for Owner- Driver of the Insured Vehicle (If opted)","sources":[{"clause":"Row 1","heading":"Product Name","page":1,"url":"https://indiainsurances.com/policy/acko-general-insurance/goods-carrying-vehicle-liability-irdan157rp0003v01201718/document/1555#c-row-1"},{"clause":"Row 6","heading":"Policy Coverage","page":1,"url":"https://indiainsurances.com/policy/acko-general-insurance/goods-carrying-vehicle-liability-irdan157rp0003v01201718/document/1555#c-row-6"}],"law":[]},{"key":"third_party","label":"Third-party liability","section":"Cover","meaning":"Compulsory cover for injury, death or property damage to others. Unlimited for death and injury.","status":"quote-verified","value":"The policy covers liability to third parties. Third-party property damage is covered up to INR 7.5 lakhs, and third-party death or bodily injury has no limit.","display":"Third-party property damage up to INR 7.5 lakhs; third-party death/bodily injury No Limit","note":null,"quote":"• For Liability to Third Parties: o For Third Party Property Damage- Up to INR 7.5 lakhs o For Third Party Death / bodily injury – No Limit","sources":[{"clause":"Row 5","heading":"Sum Insured / Motor Insured Declared Value","page":1,"url":"https://indiainsurances.com/policy/acko-general-insurance/goods-carrying-vehicle-liability-irdan157rp0003v01201718/document/1555#c-row-5"}],"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 for third-party liability and optional owner-driver PA, not an own-damage theft or total-loss cover, so vehicle IDV for theft or total loss does not apply.","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":"Depreciation on replacement parts applies to own-damage repair claims; this liability-only policy does not cover own-damage repairs.","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":"No-claim bonus is a discount on own-damage premium, but this product is liability-only and does not provide own-damage cover.","quote":null,"sources":[],"law":[]},{"key":"compulsory_deductible","label":"Compulsory deductible","section":"Limits and co-pay","meaning":"Fixed amount you pay on every own-damage claim.","status":"not-applicable","value":null,"display":null,"note":"A compulsory deductible is borne on own-damage claims; this liability-only policy does not provide own-damage claim cover.","quote":null,"sources":[],"law":[]},{"key":"deductible","label":"Voluntary deductible","section":"Limits and co-pay","meaning":"An extra amount per claim you choose to bear for a lower premium.","status":"not-applicable","value":null,"display":null,"note":"This is a liability-only policy and does not provide own-damage claim cover where a voluntary deductible chosen by the insured 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":"Owner-driver personal accident cover pays compensation for bodily injury or death in direct connection with the insured vehicle, with total insurer liability not exceeding Rs. 15 Lakhs during 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 license.","display":"Owner-driver PA up to Rs. 15 Lakhs; 100% for death, loss of two limbs/sight of two eyes/one limb and one eye, or permanent total disablement; 50% for loss of one limb or sight of one eye","note":"CIS describes this cover as if opted.","quote":"bodily injury/ death sustained by the owner-driver of the vehicle in direct connection with the vehicle insured or whilst mounting into/dismounting from or traveling in the insured vehicle as a co-driver, caused by violent, accidental, external and visible means ... (i) Death | 100%\n(ii) Loss of two limbs or sight of two eyes or one limb and sight of one eye | 100%\n(iii) Loss of one limb or sight of one eye | 50%\n(iv) Permanent total disablement from injuries other than named above | 100% ... the total liability of the insurer shall not in the aggregate exceed the sum of Rs. 15 Lakhs during any one period of insurance. ... a) The owner-driver is the registered owner of the vehicle insured herein; ... b) The owner-driver is the insured named in this policy. ... c) The owner-driver holds an effective driving license, in accordance with the provisions of Rule 3 of the Central Motor Vehicles Rules, 1989, at the time of the accident. ... Personal Accident cover for Owner- Driver of the Insured Vehicle (If opted)","sources":[{"clause":"II","heading":"PERSONAL ACCIDENT COVER FOR OWNER-DRIVER","page":1,"url":"https://indiainsurances.com/policy/acko-general-insurance/goods-carrying-vehicle-liability-irdan157rp0003v01201718/document/1551#c-ii"},{"clause":"1","heading":null,"page":2,"url":"https://indiainsurances.com/policy/acko-general-insurance/goods-carrying-vehicle-liability-irdan157rp0003v01201718/document/1551#c-1-2"},{"clause":"2(a)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/acko-general-insurance/goods-carrying-vehicle-liability-irdan157rp0003v01201718/document/1551#c-2-a"},{"clause":"2(b)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/acko-general-insurance/goods-carrying-vehicle-liability-irdan157rp0003v01201718/document/1551#c-2-b"},{"clause":"2(c)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/acko-general-insurance/goods-carrying-vehicle-liability-irdan157rp0003v01201718/document/1551#c-2-c"},{"clause":"Row 4","heading":"Interests Insured","page":1,"url":"https://indiainsurances.com/policy/acko-general-insurance/goods-carrying-vehicle-liability-irdan157rp0003v01201718/document/1555#c-row-4"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":"Cashless garage repair applies to own-damage repair claims; this liability-only policy does not cover repairs to the insured vehicle.","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","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) being carried in or upon or entering or mounting or alighting from the Motor Vehicle","War, Invasion, the Act of foreign enemies, hostilities or warlike operations","nuclear weapons material","intentional self injury suicide or attempted suicide physical defect or infirmity","an accident happening whilst such person is under the influence of intoxicating liquor or drugs"],"display":"Use outside limitations, unauthorised driver, contractual liability, employment injury/death except as required by the Motor Vehicles Act, specified passenger injury/death, war risks, nuclear weapons material, and owner-driver PA exclusions for self-injury/suicide/physical defect/infirmity or intoxication/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. ... The Company shall not be liable in respect of any claim arising out of any contractual liability. ... 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 ... Except so far as is necessary to meet the requirements of the Motor Vehicles Act, the Company shall not be liable in respect of death or bodily injury to any person (other than a passenger carried by reason of or in pursuance of a contract of employment) being carried in or upon or entering or mounting or alighting from the Motor Vehicle ... War, Invasion, the Act of foreign enemies, hostilities or warlike operations ... nuclear weapons material. ... 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":"2(a)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/acko-general-insurance/goods-carrying-vehicle-liability-irdan157rp0003v01201718/document/1551#c-2-a-2"},{"clause":"2(b)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/acko-general-insurance/goods-carrying-vehicle-liability-irdan157rp0003v01201718/document/1551#c-2-b-2"},{"clause":"2","heading":null,"page":2,"url":"https://indiainsurances.com/policy/acko-general-insurance/goods-carrying-vehicle-liability-irdan157rp0003v01201718/document/1551#c-2-2"}],"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 policy schedule gives the applicable sum insured details. For liability to third parties, third-party property damage is up to INR 7.5 lakhs, third-party death or bodily injury has no limit, and owner-driver PA cover, if opted, is as mentioned in the Policy Schedule.","display":"Schedule-based; third-party property damage up to INR 7.5 lakhs, third-party death/bodily injury No Limit, owner-driver PA as mentioned in Policy Schedule if opted","note":null,"quote":"Please refer your policy schedule for the details of Sum Insured applicable to your policy • For Liability to Third Parties: o For Third Party Property Damage- Up to INR 7.5 lakhs o For Third Party Death / bodily injury – No Limit (Motor Accidents Claim Tribunal decides the third-party insurance death claim amount based on the available documentation) • For Personal Accident Cover for Owner-Driver (If opted) – As mentioned in the Policy Schedule","sources":[{"clause":"Row 5","heading":"Sum Insured / Motor Insured Declared Value","page":1,"url":"https://indiainsurances.com/policy/acko-general-insurance/goods-carrying-vehicle-liability-irdan157rp0003v01201718/document/1555#c-row-5"}],"law":[]}],"documents":[{"kind":"wording","label":"Liability Only Policy Goods Carrying Vehicle - Policy Wordings","pages":24,"fetched_at":"2026-10-17 19:33:31+00","source_url":"https://acko-cms.ackoassets.com/GCV_Liability_Only_Policy_Policy_Wordings_a23c8c5564.pdf","url":"https://indiainsurances.com/policy/acko-general-insurance/goods-carrying-vehicle-liability-irdan157rp0003v01201718/document/1551"},{"kind":"prospectus","label":"Liability Only - Goods Carrying Vehicle - Prospectus","pages":2,"fetched_at":"2026-10-17 19:34:36+00","source_url":"https://acko-cms.ackoassets.com/GCV_Liability_Only_Policy_Prospectus_714d1610d9.pdf","url":"https://indiainsurances.com/policy/acko-general-insurance/goods-carrying-vehicle-liability-irdan157rp0003v01201718/document/1592"},{"kind":"cis","label":"Liability Only- Goods Carrying Vehicle- CIS","pages":4,"fetched_at":"2026-10-17 19:33:46+00","source_url":"https://acko-cms.ackoassets.com/GCV_Liability_Only_Policy_CIS_3543d68bfd.pdf","url":"https://indiainsurances.com/policy/acko-general-insurance/goods-carrying-vehicle-liability-irdan157rp0003v01201718/document/1555"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Acko General Insurance official website","url":"https://www.acko.com/gi","note":"Buy directly from the insurer."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"insurer","name":"Car insurance claims","url":"https://www.acko.com/car-insurance/claims/","note":null},{"purpose":"claim","kind":"insurer","name":"Travel insurance claim process","url":"https://www.acko.com/travel-insurance/claim-process/","note":null},{"purpose":"claim","kind":"insurer","name":"Two-wheeler insurance claims","url":"https://www.acko.com/two-wheeler-insurance/claims/","note":null},{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"renew","kind":"insurer","name":"Health insurance renewal","url":"https://www.acko.com/health-insurance/renewal/","note":null}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"Goods Carrying Vehicle - Liability (UIN IRDAN157RP0003V01201718), IndiaInsurances, https://indiainsurances.com/policy/acko-general-insurance/goods-carrying-vehicle-liability-irdan157rp0003v01201718"}