{"uin":"IRDAN157RP0015V02201819","name":"Two Wheeler Policy - Bundled","url":"https://indiainsurances.com/policy/acko-general-insurance/two-wheeler-policy-bundled-irdan157rp0015v02201819","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":"2018-08-30","withdrawn_on":null,"summary":"Two Wheeler Policy - Bundled is an indemnity motor two-wheeler package covering own damage, third-party liability and owner-driver personal accident. It provides 3 years for third-party liability and annual own-damage cover, with IDV as the sum insured and a Rs. 15 lakhs owner-driver personal accident limit.","analysis":{"state":"machine","analysed_at":"2026-10-19 18:18:02.929557+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 documents name the product but do not state any named plan variants inside it.","quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"The bundled two-wheeler insurance provides 3 years of third-party liability cover and annual own-damage cover.","display":"3 years for third party liability and annual Own Damage cover","note":null,"quote":"The Bundled Two Wheeler Insurance provides cover to your prized possession for 3 years for third party liability and annual cover for Own Damage components to suit your requirements.","sources":[{"clause":null,"heading":"Why take Bundled Two Wheeler Insurance?","page":1,"url":"https://indiainsurances.com/policy/acko-general-insurance/two-wheeler-policy-bundled-irdan157rp0015v02201819/document/1543#c-why-take-bundled-two-wheeler-insurance"}],"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 accidental loss or damage. In theft or criminal act claims, immediate notice must also be given to the police.","display":"Immediately, in writing; theft or criminal act also to police immediately","note":null,"quote":"Notice shall be given in writing to the Company immediately upon the occurrence of any accidental loss or damage in the event of any claim ... In case of theft or criminal act which may be the subject of a claim under this Policy the insured shall give immediate notice to the police and co-operate with the Company in securing the conviction of the offender.","sources":[{"clause":null,"heading":"CONDITIONS","page":5,"url":"https://indiainsurances.com/policy/acko-general-insurance/two-wheeler-policy-bundled-irdan157rp0015v02201819/document/1526#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"],"display":"Driving License, RC Copy and Police FIR Copy","note":null,"quote":"Submit necessary documents such as Driving License, RC Copy, and Police FIR Copy.","sources":[{"clause":null,"heading":"How to claim?","page":3,"url":"https://indiainsurances.com/policy/acko-general-insurance/two-wheeler-policy-bundled-irdan157rp0015v02201819/document/1543#c-how-to-claim"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"quote-verified","value":"For cashless claims, inspection is arranged within 24 hours if reported on a working day, or on the next working day if reported on a Sunday or public holiday. For reimbursement, payment is made within 7 days of submission of the last necessary documents.","display":"Inspection within 24 hours on a working day; reimbursement payment within 7 days of last necessary documents","note":null,"quote":"We will arrange for an inspection within 24 hours if a claim is reported on a working day, or on next working day if a claim is reported on a Sunday or a public holiday. ... In case of reimbursement process, we will make the payment within 7 days of the submission of last necessary documents to us.","sources":[{"clause":null,"heading":"How to claim?","page":3,"url":"https://indiainsurances.com/policy/acko-general-insurance/two-wheeler-policy-bundled-irdan157rp0015v02201819/document/1543#c-how-to-claim"}],"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":["consequential loss, depreciation, wear and tear, mechanical or electrical breakdown, failures or breakages","damage to tyres and tubes unless the vehicle is damaged at the same time","Loss or Damage to accessories by burglary housebreaking or theft unless the vehicle stolen at the same time","under the influence of intoxicating liquor or drugs","outside the geographical area","any claim arising out of any contractual liability","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","ionising radiations or contamination by radioactivity","nuclear weapons material","war, invasion, the act of foreign enemies, hostilities or warlike operations"],"display":"Wear and tear/breakdown, tyres and tubes unless vehicle also damaged, accessories theft unless vehicle also stolen, drunk/drug driving, outside geographical area, contractual liability, use outside limitations, unauthorised driver, nuclear/radioactivity and war risks","note":null,"quote":"a) consequential loss, depreciation, wear and tear, mechanical or electrical breakdown, failures or breakages; ... b) damage to tyres and tubes unless the vehicle is damaged at the same time in which case the liability of the Company shall be limited to 50% of the cost of replacement. ... c) Loss or Damage to accessories by burglary housebreaking or theft unless the vehicle stolen at the same time. And ... d) any accidental loss or damage suffered whilst the insured or any person driving the vehicle with the knowledge and consent of the insured is under the influence of intoxicating liquor or drugs. ... 1. any accidental loss or damage and/or liability caused sustained or incurred outside the geographical area.\n2. any claim arising out of any contractual liability;\n3. any accidental loss damage and/or liability caused sustained or incurred whilst the vehicle insured herein is\na) being used otherwise than in accordance with the ‘Limitations as to Use’ or\nb) being driven by or is for the purpose of being driven by him/her in the charge of any person other than a Driver as stated in the Driver’s Clause. ... any liability of whatsoever nature directly or indirectly caused by or contributed to by or arising from ionising radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel. ... Any accidental loss or damage or liability directly or indirectly caused by or contributed to by or arising from nuclear weapons material. ... Any accidental loss damage and/or liability directly or indirectly or proximately or remotely occasioned by contributed to by or traceable to or arising out of or in connection with war, invasion, the act of foreign enemies, hostilities or warlike operations","sources":[{"clause":"6(a)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/acko-general-insurance/two-wheeler-policy-bundled-irdan157rp0015v02201819/document/1526#c-6-a"},{"clause":"6(b)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/acko-general-insurance/two-wheeler-policy-bundled-irdan157rp0015v02201819/document/1526#c-6-b"},{"clause":"6(c)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/acko-general-insurance/two-wheeler-policy-bundled-irdan157rp0015v02201819/document/1526#c-6-c"},{"clause":"6(d)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/acko-general-insurance/two-wheeler-policy-bundled-irdan157rp0015v02201819/document/1526#c-6-d"},{"clause":null,"heading":"GENERAL EXCEPTIONS","page":4,"url":"https://indiainsurances.com/policy/acko-general-insurance/two-wheeler-policy-bundled-irdan157rp0015v02201819/document/1526#c-general-exceptions"},{"clause":"4","heading":null,"page":5,"url":"https://indiainsurances.com/policy/acko-general-insurance/two-wheeler-policy-bundled-irdan157rp0015v02201819/document/1526#c-4-3"},{"clause":"5","heading":null,"page":5,"url":"https://indiainsurances.com/policy/acko-general-insurance/two-wheeler-policy-bundled-irdan157rp0015v02201819/document/1526#c-5-3"},{"clause":"6","heading":null,"page":5,"url":"https://indiainsurances.com/policy/acko-general-insurance/two-wheeler-policy-bundled-irdan157rp0015v02201819/document/1526#c-6-2"}],"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 grievances, contact Acko on 1800 210 4990 or grievance@acko.com. If dissatisfied or no response within 14 working days, escalate to the Chief Grievance Officer at gro@acko.com before approaching IRDAI or the Insurance Ombudsman.","display":"Acko grievance helpline 1800 210 4990 or grievance@acko.com; then Chief Grievance Officer at gro@acko.com","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). You can also 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":"6(II)(b)","heading":null,"page":24,"url":"https://indiainsurances.com/policy/acko-general-insurance/two-wheeler-policy-bundled-irdan157rp0015v02201819/document/1526#c-6-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":["fire explosion self-ignition or lightning","burglary housebreaking or theft","riot and strike","earthquake (fire and shock damage)","flood typhoon hurricane storm tempest inundation cyclone hailstorm frost","accidental external means","maliciousact","terroristactivity","whilst in transit by road rail inland - waterway lift elevator or air","landsliderockslide","death of or bodily injury to any person","damage to property","Personal Accident Cover for Owner-Driver"],"display":"Own damage from listed perils, third-party death/bodily injury and property damage, and owner-driver personal accident","note":null,"quote":"i) by fire explosion self-ignition or lightning;\nii) by burglary housebreaking or theft;\niii) by riot and strike;\niv) by earthquake (fire and shock damage);\nv) by flood typhoon hurricane storm tempest inundation cyclone hailstorm frost;\nvi) by accidental external means;\nvii) by maliciousact;\nviii) by terroristactivity;\nix) whilst in transit by road rail inland - waterway lift elevator or air;\nx) by landsliderockslide. ... i) death of or bodily injury to any person including occupants carried in the vehicle ... ii) damage to property other than property belonging to the insured or held in trust or in the custody or control of the insured. ... Section III PERSONAL ACCIDENT COVER FOR OWNER-DRIVER","sources":[{"clause":"Section I","heading":"LOSS OF OR DAMAGE TO THE VEHICLE INSURED","page":1,"url":"https://indiainsurances.com/policy/acko-general-insurance/two-wheeler-policy-bundled-irdan157rp0015v02201819/document/1526#c-section-i"},{"clause":"1(i)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/acko-general-insurance/two-wheeler-policy-bundled-irdan157rp0015v02201819/document/1526#c-1-i"},{"clause":"1(ii)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/acko-general-insurance/two-wheeler-policy-bundled-irdan157rp0015v02201819/document/1526#c-1-ii"},{"clause":"Section III","heading":"PERSONAL ACCIDENT COVER FOR OWNER-DRIVER","page":4,"url":"https://indiainsurances.com/policy/acko-general-insurance/two-wheeler-policy-bundled-irdan157rp0015v02201819/document/1526#c-section-iii"}],"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 policyholder can cancel at any time during the term by informing Acko and need not give reasons. Acko refunds proportionate premium for the unexpired policy period if the policy term is up to one year and no claim has been made; for terms over one year, it refunds premium for unexpired policy years whose risk coverage has not commenced.","display":"Can cancel any time; proportionate unexpired premium if term up to 1 year and no claim; unexpired uncommenced years for term over 1 year","note":null,"quote":"Policyholder can cancel this policy at any time during the term, by informing us. In case the Policyholder cancels the Policy, he/she is not required to give reasons for cancellation. ... Acko shall refund proportionate premium for unexpired policy period, if the term of the policy is up to one year and there is no claim(s) made during the policy period.\n• Acko shall refund premium for unexpired policy period, in respect of policy with term more than one year and risk coverage for such policy years has not commenced.","sources":[{"clause":"6(b)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/acko-general-insurance/two-wheeler-policy-bundled-irdan157rp0015v02201819/document/1526#c-6-b-4"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"not-stated","value":null,"display":null,"note":"The policy excludes loss outside the geographical area but the base geographical area is not defined in the provided clauses.","quote":null,"sources":[],"law":[]},{"key":"cover_types","label":"Cover types","section":"Cover","meaning":"Comprehensive, standalone own damage, third-party only.","status":"quote-verified","value":["Loss of or Damage to the Insured Vehicle","Liability to Third Parties","Personal Accident for Owner Driver"],"display":"Bundled/package cover: own damage, third-party liability and personal accident for owner-driver","note":null,"quote":"6 | Policy Coverage | Loss of or Damage to the Insured Vehicle | Section I\nLiability to Third Parties | Section II\nPersonal Accident for Owner Driver | Section III","sources":[{"clause":"Row 6","heading":"Policy Coverage","page":1,"url":"https://indiainsurances.com/policy/acko-general-insurance/two-wheeler-policy-bundled-irdan157rp0015v02201819/document/1525#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 company indemnifies the insured, subject to the limits in the schedule, for legal liability arising from use of the vehicle for death or bodily injury to any person and damage to property other than property belonging to or held by the insured.","display":"Covers legal liability for death or bodily injury to any person and third-party property damage, subject to Schedule limits","note":null,"quote":"Subject to the limits of liability as laid down in the Schedule hereto the Company will indemnify the insured in the event of an accident caused by or arising out of the use of the vehicle against all sums which the insured shall become legally liable to pay in respect of:- ... i) death of or bodily injury to any person including occupants carried in the vehicle ... ii) damage to property other than property belonging to the insured or held in trust or in the custody or control of the insured.","sources":[{"clause":"1","heading":null,"page":3,"url":"https://indiainsurances.com/policy/acko-general-insurance/two-wheeler-policy-bundled-irdan157rp0015v02201819/document/1526#c-1"},{"clause":"1(i)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/acko-general-insurance/two-wheeler-policy-bundled-irdan157rp0015v02201819/document/1526#c-1-i"},{"clause":"1(ii)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/acko-general-insurance/two-wheeler-policy-bundled-irdan157rp0015v02201819/document/1526#c-1-ii"}],"law":[{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch V, I, Paras 1 to 4","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch V, I, Para 7","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 146","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 147","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 150","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 157","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 164","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 161","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 166(3)","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 162","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"idv","label":"Insured declared value (IDV)","section":"Cover","meaning":"The vehicle's insured value: maximum paid for theft or total loss.","status":"quote-verified","value":"The Insured’s Declared Value of the vehicle is the sum insured, fixed at commencement of each policy period based on the manufacturer’s listed selling price adjusted for depreciation. In theft, the IDV is paid; for total loss or constructive total loss, liability is the IDV specified in the schedule less the value of the wreck.","display":"IDV is the sum insured; theft pays IDV; TL/CTL pays IDV less wreck value","note":null,"quote":"The Insured’s Declared Value (IDV) of the vehicle will be deemed to be the ‘SUM INSURED’ for the purpose of this policy which is fixed at the commencement of each policy period for the insured vehicle. ... In case of theft, the Insured’s Declared Value of the Two Wheeler will be paid to the owner of the insured two-wheeler. ... for total loss / constructive total loss of the vehicle - the Insured’s Declared Value (IDV) of the vehicle (including accessories thereon) as specified in the Schedule less the value of the wreck.","sources":[{"clause":null,"heading":"SUM INSURED - INSURED’S DECLARED VALUE (IDV)","page":2,"url":"https://indiainsurances.com/policy/acko-general-insurance/two-wheeler-policy-bundled-irdan157rp0015v02201819/document/1526#c-sum-insured-insureds-declared-value-idv"},{"clause":"3","heading":"Theft","page":1,"url":"https://indiainsurances.com/policy/acko-general-insurance/two-wheeler-policy-bundled-irdan157rp0015v02201819/document/1543#c-3"},{"clause":"6(a)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/acko-general-insurance/two-wheeler-policy-bundled-irdan157rp0015v02201819/document/1526#c-6-a-4"}],"law":[]},{"key":"depreciation","label":"Depreciation on parts","section":"Limits and co-pay","meaning":"How much of the cost of replaced parts you bear because of age (unless you have zero depreciation).","status":"quote-verified","value":"For replaced parts: rubber/nylon/plastic parts, tyres and tubes, batteries and air bags are depreciated 50%; fibre glass components 30%; glass Nil. Other parts depreciate by vehicle age from Nil up to 50%, and painting depreciation of 50% applies only on the material cost of total painting charges.","display":"Parts: 50% for rubber/nylon/plastic/tyres/tubes/batteries/air bags, 30% for fibre glass, Nil for glass; other parts Nil to 50% by age; painting 50% on material cost","note":null,"quote":"1. For all rubber/ nylon/ plastic parts, tyres and tubes, batteries and air bags | 50%\n2. For fibre glass components | 30%\n3. For all parts made of glass | Nil ... AGE OF VEHICLE | % OF DEPRECIATION\nNot exceeding 6 months | Nil\nExceeding 6 months but not exceeding 1 year | 5%\nExceeding 1 year but not exceeding 2 years | 10%\nExceeding 2 years but not exceeding 3 years | 15%\nExceeding 3 years but not exceeding 4 years | 25%\nExceeding 4 years but not exceeding 5 years | 35%\nExceeding 5 years but not exceeding 10 years | 40%\nExceeding 10 years | 50% ... Rate of Depreciation for painting: In the case of painting, the depreciation rate of 50% shall be applied only on the material cost of total painting charges.","sources":[{"clause":"Section I","heading":"LOSS OF OR DAMAGE TO THE VEHICLE INSURED","page":1,"url":"https://indiainsurances.com/policy/acko-general-insurance/two-wheeler-policy-bundled-irdan157rp0015v02201819/document/1526#c-section-i"},{"clause":"4","heading":null,"page":1,"url":"https://indiainsurances.com/policy/acko-general-insurance/two-wheeler-policy-bundled-irdan157rp0015v02201819/document/1526#c-4"},{"clause":"5","heading":"Rate of Depreciation for painting","page":1,"url":"https://indiainsurances.com/policy/acko-general-insurance/two-wheeler-policy-bundled-irdan157rp0015v02201819/document/1526#c-5"}],"law":[]},{"key":"ncb","label":"No-claim bonus","section":"Cover","meaning":"Discount on own-damage premium for claim-free years (20% to 50%).","status":"quote-verified","value":"For an expiring one-year policy, the no-claim bonus discount on own damage premium is 20%, 25%, 35%, 45% or 50% for one, two, three, four or five consecutive claim-free years respectively.","display":"20% to 50% discount on own damage premium for claim-free years","note":null,"quote":"No claim made or pending during the preceding full year of insurance | 20%\nNo claim made or pending during the preceding 2 consecutive years of insurance | 25%\nNo claim made or pending during the preceding 3 consecutive years of insurance | 35%\nNo claim made or pending during the preceding 4 consecutive years of insurance | 45%\nNo claim made or pending during the preceding 5 consecutive years of insurance | 50%","sources":[{"clause":"6(a)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/acko-general-insurance/two-wheeler-policy-bundled-irdan157rp0015v02201819/document/1526#c-6-a-3"}],"law":[]},{"key":"compulsory_deductible","label":"Compulsory deductible","section":"Limits and co-pay","meaning":"Fixed amount you pay on every own-damage claim.","status":"not-stated","value":null,"display":null,"note":"The wording says the deductible is as stated in the schedule and the IMT compulsory deductible endorsement has a blank amount, so the fixed amount is not stated.","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-stated","value":null,"display":null,"note":"The wording states a deductible as per the schedule but does not state a voluntary deductible option or amount.","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 death, specified limb or sight loss, or permanent total disablement caused by violent accidental external and visible means connected with the insured vehicle. Total liability is capped at Rs. 15 lakhs during any one period of insurance and the owner-driver must be the registered owner, named insured and hold an effective driving licence.","display":"Owner-driver PA up to Rs. 15 lakhs; death/PTD 100%, one limb or one eye 50%","note":null,"quote":"Section III PERSONAL ACCIDENT COVER FOR OWNER-DRIVER ... (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 Company 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 inured herein;\nb) the owner-driver is the insured named in this policy;\nc) the owner-driver holds an effective driving license","sources":[{"clause":"Section III","heading":"PERSONAL ACCIDENT COVER FOR OWNER-DRIVER","page":4,"url":"https://indiainsurances.com/policy/acko-general-insurance/two-wheeler-policy-bundled-irdan157rp0015v02201819/document/1526#c-section-iii"}],"law":[{"title":"Enhancement of Capital Sum Insured in Compulsory Personal Accident Cover for Owner-Driver under Motor Insurance Policies","section":"Para 4(i) to (iii)","url":"https://indiainsurances.com/law/irdai-motor-cpa-2018"},{"title":"Compulsory Personal Accident Insurance for Owner-Driver under Motor Insurance","section":"Paras 1 and 2","url":"https://indiainsurances.com/law/irdai-motor-cpa-choice-2018"},{"title":"Cover for Compulsory Personal Accident (CPA) for Owner-Driver under Motor Insurance Policies","section":"Para 3","url":"https://indiainsurances.com/law/irdai-motor-cpa-standalone-2018"},{"title":"Cover for Compulsory Personal Accident (CPA) for Owner-Driver under Motor Insurance Policies","section":"Para 4(iv) to (viii)","url":"https://indiainsurances.com/law/irdai-motor-cpa-standalone-2018"}]},{"key":"addons","label":"Add-ons offered","section":"Cover","meaning":"Zero depreciation, engine protect, return to invoice, roadside assistance, consumables...","status":"quote-verified","value":["Engine Protect","Consumables","Downtime Allowance","Invoice Cover","Loss of License/RC","NCB Protect","Outstation Emergency Cover","Personal Belongings - Damage","Personal Belongings Including Electronic Equipment","Road Side Assistance","Zero Depreciation"],"display":"Engine Protect, Consumables, Downtime Allowance, Invoice Cover, Loss of License/RC, NCB Protect, Outstation Emergency Cover, Personal Belongings, Road Side Assistance and Zero Depreciation","note":"Each add-on is in force only if Acko has received the additional premium for that add-on.","quote":"Engine Protect ... Consumables ... Downtime Allowance ... Invoice Cover ... Loss of License/RC ... NCB Protect ... Outstation Emergency Cover ... Personal Belongings - Damage ... Personal Belongings Including Electronic Equipment ... Road Side Assistance ... Zero Depreciation","sources":[{"clause":null,"heading":"Engine Protect","page":1,"url":"https://indiainsurances.com/policy/acko-general-insurance/two-wheeler-policy-bundled-irdan157rp0015v02201819/document/1609#c-engine-protect"},{"clause":null,"heading":"Consumables","page":1,"url":"https://indiainsurances.com/policy/acko-general-insurance/two-wheeler-policy-bundled-irdan157rp0015v02201819/document/1613#c-consumables"},{"clause":null,"heading":"Downtime Allowance","page":1,"url":"https://indiainsurances.com/policy/acko-general-insurance/two-wheeler-policy-bundled-irdan157rp0015v02201819/document/1617#c-downtime-allowance"},{"clause":null,"heading":"Invoice Cover","page":1,"url":"https://indiainsurances.com/policy/acko-general-insurance/two-wheeler-policy-bundled-irdan157rp0015v02201819/document/1621#c-invoice-cover"},{"clause":null,"heading":"Loss of License/RC","page":1,"url":"https://indiainsurances.com/policy/acko-general-insurance/two-wheeler-policy-bundled-irdan157rp0015v02201819/document/1629#c-loss-of-license-rc"},{"clause":null,"heading":"NCB Protect","page":1,"url":"https://indiainsurances.com/policy/acko-general-insurance/two-wheeler-policy-bundled-irdan157rp0015v02201819/document/1633#c-ncb-protect"},{"clause":null,"heading":"Outstation Emergency Cover","page":1,"url":"https://indiainsurances.com/policy/acko-general-insurance/two-wheeler-policy-bundled-irdan157rp0015v02201819/document/1637#c-outstation-emergency-cover"},{"clause":null,"heading":"Personal Belongings - Damage","page":1,"url":"https://indiainsurances.com/policy/acko-general-insurance/two-wheeler-policy-bundled-irdan157rp0015v02201819/document/1641#c-personal-belongings-damage"},{"clause":null,"heading":"Personal Belongings Including Electronic Equipment","page":1,"url":"https://indiainsurances.com/policy/acko-general-insurance/two-wheeler-policy-bundled-irdan157rp0015v02201819/document/1650#c-personal-belongings-including-electronic-equipme"},{"clause":null,"heading":"Road Side Assistance","page":1,"url":"https://indiainsurances.com/policy/acko-general-insurance/two-wheeler-policy-bundled-irdan157rp0015v02201819/document/1654#c-road-side-assistance"},{"clause":null,"heading":"Zero Depreciation","page":1,"url":"https://indiainsurances.com/policy/acko-general-insurance/two-wheeler-policy-bundled-irdan157rp0015v02201819/document/1656#c-zero-depreciation"}],"law":[]},{"key":"cashless_garages","label":"Cashless garages","section":"Claims","meaning":"Whether repairs can be cashless at network garages.","status":"quote-verified","value":"Cashless repairs are available after cashless facility confirmation at a preferred network garage.","display":"Yes, at a preferred network garage after cashless facility confirmation","note":null,"quote":"On cashless facility confirmation, repair the vehicle at any preferred network garage.","sources":[{"clause":null,"heading":"How to claim?","page":3,"url":"https://indiainsurances.com/policy/acko-general-insurance/two-wheeler-policy-bundled-irdan157rp0015v02201819/document/1543#c-how-to-claim"}],"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":["Normal wear, tear and general aging of the vehicle","Depreciation, deductible or any consequential losses","Vehicle being used contrary to limitations as to use","Mechanical and electrical breakdown","Any contractual liability","Damage to and by a person driving the vehicle under the influence of drugs or liquor","Damage to and by a person driving the vehicle without a valid license","Damages due to nuclear risk or war","Injury/ death arising from intentional self-injury, suicide or attempted suicide"],"display":"Wear and tear/aging, depreciation/deductible/consequential losses, use outside limitations, mechanical/electrical breakdown, contractual liability, drunk/drug driving, no valid licence, nuclear/war, and intentional self-injury/suicide","note":"This concise exclusion list is from the prospectus; the policy wording also contains detailed general exceptions.","quote":"• Normal wear, tear and general aging of the vehicle\n• Depreciation, deductible or any consequential losses\n• Vehicle being used contrary to limitations as to use\n• Mechanical and electrical breakdown\n• Any contractual liability\n• Damage to and by a person driving the vehicle under the influence of drugs or liquor\n• Damage to and by a person driving the vehicle without a valid license\n• Damages due to nuclear risk or war\n• Injury/ death arising from intentional self-injury, suicide or attempted suicide","sources":[{"clause":null,"heading":"What is not covered?","page":2,"url":"https://indiainsurances.com/policy/acko-general-insurance/two-wheeler-policy-bundled-irdan157rp0015v02201819/document/1543#c-what-is-not-covered"}],"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 cover amount is based on the Insured’s Declared Value, fixed at commencement of each policy period from the manufacturer’s listed selling price adjusted for depreciation. IDV is treated as the market value for total loss and constructive total loss claims.","display":"IDV based on manufacturer’s listed selling price adjusted for depreciation; treated as Market Value for TL/CTL","note":null,"quote":"The Insured’s Declared Value (IDV) of the vehicle will be deemed to be the ‘SUM INSURED’ for the purpose of this policy which is fixed at the commencement of each policy period for the insured vehicle. The IDV of the vehicle (and accessories if any fitted to the vehicle) is to be fixed on the basis of the manufacturer’s listed selling price of the brand and model as the vehicle insured at the commencement of insurance/renewal and adjusted for depreciation ... IDV shall be treated as the ‘Market Value’ throughout the policy period without any further depreciation for the purpose of Total Loss (TL) / Constructive Total Loss (CTL) claims.","sources":[{"clause":null,"heading":"SUM INSURED - INSURED’S DECLARED VALUE (IDV)","page":2,"url":"https://indiainsurances.com/policy/acko-general-insurance/two-wheeler-policy-bundled-irdan157rp0015v02201819/document/1526#c-sum-insured-insureds-declared-value-idv"},{"clause":null,"heading":"THE SCHEDULE OF DEPRECIATION FOR FIXING IDV OF THE VEHICLE","page":2,"url":"https://indiainsurances.com/policy/acko-general-insurance/two-wheeler-policy-bundled-irdan157rp0015v02201819/document/1526#c-the-schedule-of-depreciation-for-fixing-idv-of-t"}],"law":[]}],"documents":[{"kind":"wording","label":"Two Wheeler Policy - Bundled - Policy Wordings","pages":26,"fetched_at":"2026-10-17 19:32:54+00","source_url":"https://acko-cms.ackoassets.com/Policy_Wordings_Two_Wheeler_Policy_Bundled_6c0e754020.pdf","url":"https://indiainsurances.com/policy/acko-general-insurance/two-wheeler-policy-bundled-irdan157rp0015v02201819/document/1526"},{"kind":"wording","label":"Two Wheeler Policy - Bundled (IRDAI copy)","pages":27,"fetched_at":"2026-10-20 01:13:45+00","source_url":"https://irdai.gov.in/documents/37343/993134/IRDAN157RP0015V01201819_GEN1971.pdf/d6b4c690-2298-127a-1aaa-e434eeb2a45e?version=1.1&t=1668417400936&download=true","url":"https://indiainsurances.com/policy/acko-general-insurance/two-wheeler-policy-bundled-irdan157rp0015v02201819/document/26021"},{"kind":"prospectus","label":"Two Wheeler Policy - Bundled - Prospectus","pages":3,"fetched_at":"2026-10-17 19:33:28+00","source_url":"https://acko-cms.ackoassets.com/Prospectus_Two_Wheeler_Policy_Bundled_7bdff652ca.pdf","url":"https://indiainsurances.com/policy/acko-general-insurance/two-wheeler-policy-bundled-irdan157rp0015v02201819/document/1543"},{"kind":"cis","label":"Two Wheeler Policy- Bundled- CIS","pages":3,"fetched_at":"2026-10-17 19:33:04+00","source_url":"https://acko-cms.ackoassets.com/CIS_Two_Wheeler_Policy_Bundled_01d8f890c9.pdf","url":"https://indiainsurances.com/policy/acko-general-insurance/two-wheeler-policy-bundled-irdan157rp0015v02201819/document/1525"},{"kind":"rider","label":"Policy Wordings - 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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. 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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":"Two Wheeler Policy - Bundled (UIN IRDAN157RP0015V02201819), IndiaInsurances, https://indiainsurances.com/policy/acko-general-insurance/two-wheeler-policy-bundled-irdan157rp0015v02201819"}