{"uin":"IRDAN157RP0009V01201718","name":"Liability Only Policy Two Wheeler","url":"https://indiainsurances.com/policy/acko-general-insurance/liability-only-policy-two-wheeler-irdan157rp0009v01201718","insurer":{"slug":"acko-general-insurance","name":"Acko General Insurance Limited","url":"https://indiainsurances.com/insurer/acko-general-insurance"},"line":"general","category":"motor-two-wheeler","category_name":"Two-wheeler insurance","irdai_type":"Main product","kind":"product","status":"active","approved_on":"2018-01-17","withdrawn_on":null,"summary":"Liability Only Policy Two-Wheeler Long Term covers liability to third parties and personal accident cover for owner-driver if opted. For liability to third parties, third-party property damage is up to INR 1 lakh and third-party death or bodily injury has no limit.","analysis":{"state":"machine","analysed_at":"2026-10-19 18:19:02.241597+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":"The CIS states the product name but does not state any named plans inside the product.","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 CIS calls the product Long Term but does not state the number of years for one 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 to the company immediately upon the occurrence of any accidental loss or damage. Letters, claims, writs, summons, processes and any impending prosecution, inquest or fatal inquiry must also be forwarded or notified immediately.","display":"Immediately upon occurrence of accidental loss or damage","note":null,"quote":"Notice shall be given to the Company immediately upon the occurrence of any accidental loss, damage in the event of any claim. Thereafter You shall give all such information and assistance as the Company shall require. Every letter claim writ\nsummons and/or process or copy thereof shall be forwarded to the Company immediately on receipt by You. Notice shall also be given to the Company immediately if You have knowledge of any impending prosecution, inquest or fatal inquiry in respect of any occurrence which may give rise to a claim under this Policy.","sources":[{"clause":"6","heading":"The Company shall not be liable in respect of any liability","page":2,"url":"https://indiainsurances.com/policy/acko-general-insurance/liability-only-policy-two-wheeler-irdan157rp0009v01201718/document/1548#c-6"}],"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","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/liability-only-policy-two-wheeler-irdan157rp0009v01201718/document/1548#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 claim processing for third-party liability shall be as per the procedure of law, but 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","any contractual liability","death arising out of and in the course of employment","death or bodily injury to any person being carried in or upon or entering or mounting or alighting from the Motor Vehicle","War, Invasion, the Act of foreign enemies, hostilities or warlike operations","Civil War, Mutiny, Rebellion Military or usurped power","nuclear weapons material"],"display":"Use outside limitations, unauthorised driver, contractual liability, employment injury/death, passenger injury/death, war and nuclear weapons material","note":null,"quote":"1. The Company shall not be liable in respect of any claim arising whilst the vehicle insured herein: (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. 2. The Company shall not be liable in respect of any claim arising out of any contractual liability. ... 3. Except so far as is necessary to meet the requirements of the Motor Vehicles Act, the Company shall not be liable in respect of death arising out of and in the course of employment of a person in the employment of the insured or in the employment of any person who is ... indemnified under this policy or bodily injury sustained by such person arising out of and in the course of such employment. ... 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 at the time of the occurrence of the event out of which any claim arises ... directly or indirectly or proximately or remotely occasioned by contributed by or traceable to or arising out of or in connection with War, Invasion, the Act of foreign enemies, hostilities or warlike operations (whether before or after declaration of war), Civil War, Mutiny, Rebellion Military or usurped power ... directly or indirectly caused by or contributed to by or arising from nuclear weapons material.","sources":[{"clause":"Row 9","heading":"Exclusion","page":1,"url":"https://indiainsurances.com/policy/acko-general-insurance/liability-only-policy-two-wheeler-irdan157rp0009v01201718/document/1548#c-row-9"},{"clause":null,"heading":"CUSTOMER INFORMATION SHEET","page":2,"url":"https://indiainsurances.com/policy/acko-general-insurance/liability-only-policy-two-wheeler-irdan157rp0009v01201718/document/1548#c-customer-information-sheet-2"},{"clause":"4","heading":"Except so far as is necessary to meet the requirements","page":2,"url":"https://indiainsurances.com/policy/acko-general-insurance/liability-only-policy-two-wheeler-irdan157rp0009v01201718/document/1548#c-4"},{"clause":"5","heading":"The Company shall not be liable in respect of any liability","page":2,"url":"https://indiainsurances.com/policy/acko-general-insurance/liability-only-policy-two-wheeler-irdan157rp0009v01201718/document/1548#c-5"},{"clause":"6","heading":"The Company shall not be liable in respect of any liability","page":2,"url":"https://indiainsurances.com/policy/acko-general-insurance/liability-only-policy-two-wheeler-irdan157rp0009v01201718/document/1548#c-6"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"Complain to Acko General Insurance through its website, email grievance@acko.com or toll-free number. If dissatisfied with the decision or if no response is received within 14 working days, escalate to the Chief Grievance Officer at gro@acko.com.","display":"Acko website/email/toll-free first; escalate to Chief Grievance Officer after dissatisfaction or no response within 14 working days","note":null,"quote":"Our website: www.acko.com/gi Email: grievance@acko.com Toll Free:1800 210 4990(Operating hours: 10 AM – 7 PM, all days of the week) 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: ... Email: gro@acko.com The Chief Grievance Officer will provide a final response within 7 days of receipt of the escalation.","sources":[{"clause":null,"heading":"Situations where your Vehicle Insurance Claim might get","page":3,"url":"https://indiainsurances.com/policy/acko-general-insurance/liability-only-policy-two-wheeler-irdan157rp0009v01201718/document/1548#c-situations-where-your-vehicle-insurance-claim-mi"}],"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":["Liability to third party arising out of use of the insured vehicle","Personal Accident cover for Owner- Driver of the Insured Vehicle (If opted)"],"display":"Liability to third party; Personal Accident cover for Owner-Driver if opted","note":null,"quote":"• Liability to third party arising out of use of the insured vehicle • Personal Accident cover for Owner- Driver of the Insured Vehicle (If opted)","sources":[{"clause":"Row 4","heading":"Interests Insured","page":1,"url":"https://indiainsurances.com/policy/acko-general-insurance/liability-only-policy-two-wheeler-irdan157rp0009v01201718/document/1548#c-row-4"}],"law":[]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":null,"quote":null,"sources":[],"law":[]},{"key":"cover_types","label":"Cover types","section":"Cover","meaning":"Comprehensive, standalone own damage, third-party only.","status":"quote-verified","value":["Liability Only"],"display":"Liability Only","note":null,"quote":"1 | Product Name | Liability Only Policy Two-Wheeler Long Term","sources":[{"clause":"Row 1","heading":"Product Name","page":1,"url":"https://indiainsurances.com/policy/acko-general-insurance/liability-only-policy-two-wheeler-irdan157rp0009v01201718/document/1548#c-row-1"}],"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":"For liability to third parties, third-party property damage is covered up to INR 1 lakh and third-party death or bodily injury has no limit.","display":"Third-party property damage up to INR 1 lakh; third-party death / bodily injury no limit","note":null,"quote":"• For Liability to Third Parties: o For Third Party Property Damage- Up to INR 1 lakh 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)","sources":[{"clause":"Row 5","heading":"Sum Insured / Motor Insured Declared Value","page":1,"url":"https://indiainsurances.com/policy/acko-general-insurance/liability-only-policy-two-wheeler-irdan157rp0009v01201718/document/1548#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 covering third-party liability and optional owner-driver PA, not own-damage theft or total-loss of the insured two-wheeler.","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 insured-vehicle repair claims.","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; this liability-only policy 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 paid on own-damage claims; this liability-only policy does not provide own-damage 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":"quote-verified","value":"Loss participation is not applicable.","display":"Not Applicable.","note":null,"quote":"8 | Loss Participation | Not Applicable.","sources":[{"clause":"Row 8","heading":"Loss Participation","page":1,"url":"https://indiainsurances.com/policy/acko-general-insurance/liability-only-policy-two-wheeler-irdan157rp0009v01201718/document/1548#c-row-8"}],"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":"Personal Accident Cover for Owner-driver is available if opted, with the sum insured as mentioned in the policy schedule. It is admissible only for accidental bodily injury sustained while driving, mounting into or dismounting from the insured vehicle, or travelling in it as a co-driver.","display":"If opted; sum insured as mentioned in the Policy Schedule","note":null,"quote":"Benefit Basis: Personal Accident Cover for Owner-driver (If opted) ... For Personal Accident Cover for Owner-Driver (If opted) – As mentioned in the Policy Schedule ... The admissibility of claim under Personal Accident Cover for Owner Driver only in the event of accidental bodily injury sustained by you while driving or mounting into/dismounting from the vehicle insured or whilst traveling in it as a co-driver, subject to terms, conditions and exclusions of the policy.","sources":[{"clause":"Row 3","heading":"Structure","page":1,"url":"https://indiainsurances.com/policy/acko-general-insurance/liability-only-policy-two-wheeler-irdan157rp0009v01201718/document/1548#c-row-3"},{"clause":"Row 5","heading":"Sum Insured / Motor Insured Declared Value","page":1,"url":"https://indiainsurances.com/policy/acko-general-insurance/liability-only-policy-two-wheeler-irdan157rp0009v01201718/document/1548#c-row-5"},{"clause":"6","heading":"The Company shall not be liable in respect of any liability","page":2,"url":"https://indiainsurances.com/policy/acko-general-insurance/liability-only-policy-two-wheeler-irdan157rp0009v01201718/document/1548#c-6"}],"law":[{"title":"Enhancement of Capital Sum Insured in Compulsory Personal Accident Cover for Owner-Driver under Motor Insurance Policies","section":"Para 4(i) to (iii)","url":"https://indiainsurances.com/law/irdai-motor-cpa-2018"},{"title":"Compulsory Personal Accident Insurance for Owner-Driver under Motor Insurance","section":"Paras 1 and 2","url":"https://indiainsurances.com/law/irdai-motor-cpa-choice-2018"},{"title":"Cover for Compulsory Personal Accident (CPA) for Owner-Driver under Motor Insurance Policies","section":"Para 3","url":"https://indiainsurances.com/law/irdai-motor-cpa-standalone-2018"},{"title":"Cover for Compulsory Personal Accident (CPA) for Owner-Driver under Motor Insurance Policies","section":"Para 4(iv) to (viii)","url":"https://indiainsurances.com/law/irdai-motor-cpa-standalone-2018"}]},{"key":"addons","label":"Add-ons offered","section":"Cover","meaning":"Zero depreciation, engine protect, return to invoice, roadside assistance, consumables...","status":"not-stated","value":null,"display":null,"note":"The CIS says add-on cover is explained in the Add on CIS if opted, but does not name any add-ons.","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 garages relate to repairs of the insured vehicle; this liability-only policy does not provide own-damage repair cover.","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":["Claim filed too late","Violating Traffic Rules","Due to drunk driving","Driving without a valid driving license","fraudulent claim, false declaration or fraudulent means","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","War, Invasion, the Act of foreign enemies, hostilities or warlike operations","nuclear weapons material"],"display":"Late claim, traffic-rule violation, drunk driving, no valid licence, fraud, use outside limitations, unauthorised driver, contractual liability, war and nuclear weapons material","note":null,"quote":"• Claim filed too late\n• Violating Traffic Rules\n• Due to drunk driving\n• Driving without a valid driving license\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. ... 1. The Company shall not be liable in respect of any claim arising whilst the vehicle insured herein: (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. 2. The Company shall not be liable in respect of any claim arising out of any contractual liability. ... directly or indirectly or proximately or remotely occasioned by contributed by or traceable to or arising out of or in connection with War, Invasion, the Act of foreign enemies, hostilities or warlike operations (whether before or after declaration of war), Civil War, Mutiny, Rebellion Military or usurped power ... directly or indirectly caused by or contributed to by or arising from nuclear weapons material.","sources":[{"clause":null,"heading":"Situations where your Vehicle Insurance Claim might get","page":3,"url":"https://indiainsurances.com/policy/acko-general-insurance/liability-only-policy-two-wheeler-irdan157rp0009v01201718/document/1548#c-situations-where-your-vehicle-insurance-claim-mi"},{"clause":"Row 9","heading":"Exclusion","page":1,"url":"https://indiainsurances.com/policy/acko-general-insurance/liability-only-policy-two-wheeler-irdan157rp0009v01201718/document/1548#c-row-9"},{"clause":"5","heading":"The Company shall not be liable in respect of any liability","page":2,"url":"https://indiainsurances.com/policy/acko-general-insurance/liability-only-policy-two-wheeler-irdan157rp0009v01201718/document/1548#c-5"},{"clause":"6","heading":"The Company shall not be liable in respect of any liability","page":2,"url":"https://indiainsurances.com/policy/acko-general-insurance/liability-only-policy-two-wheeler-irdan157rp0009v01201718/document/1548#c-6"}],"law":[]},{"key":"sum_insured_basis","label":"Sum insured basis","section":"Cover","meaning":"How the cover amount is set: market value, reinstatement value, agreed value, IDV.","status":"quote-verified","value":"For liability to third parties, third-party property damage is capped at INR 1 lakh and third-party death or bodily injury has no limit. Personal Accident Cover for Owner-Driver, if opted, is as mentioned in the policy schedule.","display":"Third-party property damage up to INR 1 lakh; third-party death / bodily injury no limit; owner-driver PA as mentioned in the Policy Schedule if opted","note":null,"quote":"• For Liability to Third Parties: o For Third Party Property Damage- Up to INR 1 lakh 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/liability-only-policy-two-wheeler-irdan157rp0009v01201718/document/1548#c-row-5"}],"law":[]}],"documents":[{"kind":"wording","label":"Liability Only Policy Two Wheeler- Policy Wordings","pages":27,"fetched_at":"2026-10-17 19:33:21+00","source_url":"https://acko-cms.ackoassets.com/Two_Wheeler_liability_Only_Policy_Policy_Wordings_e39088cbbd.pdf","url":"https://indiainsurances.com/policy/acko-general-insurance/liability-only-policy-two-wheeler-irdan157rp0009v01201718/document/1546"},{"kind":"wording","label":"Liability Only Policy – Two-Wheeler (IRDAI copy)","pages":29,"fetched_at":"2026-10-20 01:12:30+00","source_url":"https://irdai.gov.in/documents/37343/993134/2_Two_wheeler_policy_wordings_TP_GEN1210.pdf/039fb3a1-0b7b-f1b3-dad4-c9eeeab96a80?version=1.1&t=1668843089087&download=true","url":"https://indiainsurances.com/policy/acko-general-insurance/liability-only-policy-two-wheeler-irdan157rp0009v01201718/document/25952"},{"kind":"prospectus","label":"Liability Only Policy – Two-Wheeler - Prospectus","pages":2,"fetched_at":"2026-10-17 19:34:15+00","source_url":"https://acko-cms.ackoassets.com/Two_Wheeler_liability_Only_Policy_Prospectus_6f8e7c2f2f.pdf","url":"https://indiainsurances.com/policy/acko-general-insurance/liability-only-policy-two-wheeler-irdan157rp0009v01201718/document/1577"},{"kind":"cis","label":"Liability Only Policy Two Wheeler- CIS","pages":4,"fetched_at":"2026-10-17 19:33:30+00","source_url":"https://acko-cms.ackoassets.com/Two_Wheeler_liability_Only_Policy_CIS_b400861ce3.pdf","url":"https://indiainsurances.com/policy/acko-general-insurance/liability-only-policy-two-wheeler-irdan157rp0009v01201718/document/1545"},{"kind":"cis","label":"Liability Only Policy Two Wheeler Long Term- CIS","pages":4,"fetched_at":"2026-10-17 19:33:35+00","source_url":"https://acko-cms.ackoassets.com/Two_Wheeler_liability_Only_Policy_Long_Term_CIS_877f848949.pdf","url":"https://indiainsurances.com/policy/acko-general-insurance/liability-only-policy-two-wheeler-irdan157rp0009v01201718/document/1548"}],"versions":[{"uin":"IRDAN157P0002V01201718","version":null,"approved_on":null},{"uin":"IRDAN157RP0002V01201718","version":null,"approved_on":null},{"uin":"IRDAN157RP0009V01201718","version":null,"approved_on":null}],"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":"Liability Only Policy Two Wheeler (UIN IRDAN157RP0009V01201718), IndiaInsurances, https://indiainsurances.com/policy/acko-general-insurance/liability-only-policy-two-wheeler-irdan157rp0009v01201718"}