{"uin":"IRDAN157RP0034V02201920","name":"Stand-alone Own Damage Two-Wheeler Policy","url":"https://indiainsurances.com/policy/acko-general-insurance/stand-alone-own-damage-two-wheeler-policy-irdan157rp0034v02201920","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":"2019-09-29","withdrawn_on":null,"summary":"This is a stand-alone own damage two-wheeler policy that covers loss of or damage to the insured vehicle for listed perils and uses IDV as the sum insured. It includes owner-driver personal accident cover up to Rs. 15 lakhs and offers add-ons such as Zero Depreciation, Engine Protect, Key Protect, Invoice Cover and Downtime Allowance.","analysis":{"state":"machine","analysed_at":"2026-10-19 18:17:59.671342+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"not-stated","value":null,"display":null,"note":"The wording refers to the period of insurance and the policy schedule, but does not print a single policy term or term options.","quote":null,"sources":[],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"Notice must be given in writing to the Company immediately upon the occurrence of accidental loss or damage. For theft or criminal act, immediate notice must also be given to the police.","display":"Immediately on accidental loss or damage; immediate police notice for theft or criminal act","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","sources":[{"clause":null,"heading":"CONDITIONS","page":5,"url":"https://indiainsurances.com/policy/acko-general-insurance/stand-alone-own-damage-two-wheeler-policy-irdan157rp0034v02201920/document/1539#c-conditions"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Driving License","RC Copy","Police FIR Copy","other relevant documents required at the time of claim"],"display":"Driving License, RC Copy, Police FIR Copy and other relevant claim documents","note":"The prospectus introduces the listed documents with “such as”, and the CIS adds other relevant documents required at the time of claim.","quote":"Submit necessary documents such as Driving License, RC Copy, and Police FIR Copy. ... 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":"How to claim?","page":6,"url":"https://indiainsurances.com/policy/acko-general-insurance/stand-alone-own-damage-two-wheeler-policy-irdan157rp0034v02201920/document/1563#c-how-to-claim"},{"clause":"6","heading":"Any accidental loss damage and/or liability directly or","page":2,"url":"https://indiainsurances.com/policy/acko-general-insurance/stand-alone-own-damage-two-wheeler-policy-irdan157rp0034v02201920/document/1537#c-6"}],"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 reimbursement claims, the insurer says it will make the payment within 7 days of the submission of the last necessary documents.","display":"Payment within 7 days of submission of last necessary documents","note":"From the prospectus; the policy wording does not print a claim payment timeline.","quote":"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":6,"url":"https://indiainsurances.com/policy/acko-general-insurance/stand-alone-own-damage-two-wheeler-policy-irdan157rp0034v02201920/document/1563#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/mechanical breakdown, tyres, accessories theft, drunk driving, outside geographical area, contractual liability, wrong use, unauthorised driver, radiation/nuclear and war","note":null,"quote":"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’ ... 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","sources":[{"clause":"6(a)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/acko-general-insurance/stand-alone-own-damage-two-wheeler-policy-irdan157rp0034v02201920/document/1539#c-6-a"},{"clause":"6(b)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/acko-general-insurance/stand-alone-own-damage-two-wheeler-policy-irdan157rp0034v02201920/document/1539#c-6-b"},{"clause":"6(c)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/acko-general-insurance/stand-alone-own-damage-two-wheeler-policy-irdan157rp0034v02201920/document/1539#c-6-c"},{"clause":"6(d)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/acko-general-insurance/stand-alone-own-damage-two-wheeler-policy-irdan157rp0034v02201920/document/1539#c-6-d"},{"clause":null,"heading":"GENERAL EXCEPTIONS","page":4,"url":"https://indiainsurances.com/policy/acko-general-insurance/stand-alone-own-damage-two-wheeler-policy-irdan157rp0034v02201920/document/1539#c-general-exceptions"},{"clause":"4","heading":null,"page":4,"url":"https://indiainsurances.com/policy/acko-general-insurance/stand-alone-own-damage-two-wheeler-policy-irdan157rp0034v02201920/document/1539#c-4-2"},{"clause":"5","heading":null,"page":4,"url":"https://indiainsurances.com/policy/acko-general-insurance/stand-alone-own-damage-two-wheeler-policy-irdan157rp0034v02201920/document/1539#c-5-2"},{"clause":"6","heading":null,"page":4,"url":"https://indiainsurances.com/policy/acko-general-insurance/stand-alone-own-damage-two-wheeler-policy-irdan157rp0034v02201920/document/1539#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":"First contact Acko for grievance resolution on 1800 210 4990 or at grievance@acko.com. If dissatisfied with the decision/resolution or if no response is received within 14 working days, write or email the Chief Grievance Officer at gro@acko.com before approaching other avenues.","display":"Acko grievance helpline 1800 210 4990 or grievance@acko.com; escalate after 14 working days to 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 . ... have not received any response within 14 working days, you may write or email to Chief Grievance Officer: ... Email: gro@acko.com","sources":[{"clause":"6(II)(b)","heading":null,"page":24,"url":"https://indiainsurances.com/policy/acko-general-insurance/stand-alone-own-damage-two-wheeler-policy-irdan157rp0034v02201920/document/1539#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"],"display":"Fire/explosion/self-ignition/lightning, burglary/housebreaking/theft, riot and strike, earthquake, flood and similar perils, accidental external means, malicious act, terrorist activity, transit, landslide/rockslide","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.","sources":[{"clause":"Section I","heading":"LOSS OF OR DAMAGE TO THE VEHICLE INSURED","page":1,"url":"https://indiainsurances.com/policy/acko-general-insurance/stand-alone-own-damage-two-wheeler-policy-irdan157rp0034v02201920/document/1539#c-section-i"}],"law":[]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"The insured may cancel the policy on seven days’ notice by recorded delivery. If no claim has arisen during the current completed tenure, the refund is premium less the Company’s Short Period rates for the period the policy has been in force for that tenure, plus a complete return for any non-commenced tenure; for a partial claim, there is no return for the remaining current tenure but a complete return for non-commenced tenure.","display":"Cancel on seven days’ notice; if no claim, refund less Short Period rates for time on risk and full refund for non-commenced tenure","note":null,"quote":"the policy may be cancelled at any time by the insured on seven days’ notice by recorded delivery and provided no claim has arisen during the current completed tenure of the policy, the insured shall be entitled to a return of premium less premium at the Company’s Short Period rates for the period the Policy has been in force for that tenure and shall be entitled to a complete return of premium for the non-commenced tenure of the policy. ... In case of a partial claim during the current tenure of the policy, the insured shall not be entitled to any return of premium for the remaining period of the policy for that tenure and shall be entitled to a complete return of premium for the non-commenced tenure of the policy.","sources":[{"clause":"6(b)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/acko-general-insurance/stand-alone-own-damage-two-wheeler-policy-irdan157rp0034v02201920/document/1539#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 wording excludes losses outside the geographical area and contains an optional geographical extension endorsement, but the base geographical area is not printed in these 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":["Standalone Own Damage Two Wheeler Policy"],"display":"Standalone Own Damage Two Wheeler Policy","note":null,"quote":"Product Name | Standalone Own Damage Two Wheeler Policy ... Policy Coverage | • Loss of or Damage to the vehicle Insured","sources":[{"clause":"Row 1","heading":"Product Name","page":1,"url":"https://indiainsurances.com/policy/acko-general-insurance/stand-alone-own-damage-two-wheeler-policy-irdan157rp0034v02201920/document/1537#c-row-1"},{"clause":"Row 6","heading":"Policy Coverage","page":1,"url":"https://indiainsurances.com/policy/acko-general-insurance/stand-alone-own-damage-two-wheeler-policy-irdan157rp0034v02201920/document/1537#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 CIS lists the insured interest and policy coverage as damage or loss of the insured vehicle. It does not state a third-party liability cover or limit.","display":"No third-party liability cover is stated; coverage listed is loss of or damage to the insured vehicle","note":"The product name is Standalone Own Damage Two Wheeler Policy.","quote":"Interests Insured | • Damage to the Insured Vehicle ... Policy Coverage | • Loss of or Damage to the vehicle Insured","sources":[{"clause":"Row 4","heading":"Interests Insured","page":1,"url":"https://indiainsurances.com/policy/acko-general-insurance/stand-alone-own-damage-two-wheeler-policy-irdan157rp0034v02201920/document/1537#c-row-4"},{"clause":"Row 6","heading":"Policy Coverage","page":1,"url":"https://indiainsurances.com/policy/acko-general-insurance/stand-alone-own-damage-two-wheeler-policy-irdan157rp0034v02201920/document/1537#c-row-6"}],"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 (IDV) is deemed to be the sum insured, fixed at the commencement of each policy period, based on the manufacturer’s listed selling price of the vehicle and accessories adjusted for depreciation. For Total Loss or Constructive Total Loss claims, IDV is treated as the Market Value throughout the policy period without further depreciation.","display":"IDV is the sum insured, 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. ... 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/stand-alone-own-damage-two-wheeler-policy-irdan157rp0034v02201920/document/1539#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/stand-alone-own-damage-two-wheeler-policy-irdan157rp0034v02201920/document/1539#c-the-schedule-of-depreciation-for-fixing-idv-of-t"}],"law":[]},{"key":"depreciation","label":"Depreciation on parts","section":"Limits and co-pay","meaning":"How much of the cost of replaced parts you bear because of age (unless you have zero depreciation).","status":"quote-verified","value":"For replaced parts, depreciation is 50% for rubber/nylon/plastic parts, tyres and tubes, batteries and air bags, 30% for fibre glass components, and Nil for glass. For other parts including wooden parts, the schedule is Nil up to 6 months, then 5%, 10%, 15%, 25%, 35%, 40% and 50% by vehicle age; painting depreciation is 50% on material cost only.","display":"Parts depreciation: 50% rubber/nylon/plastic/tyres/tubes/batteries/air bags; 30% fibre glass; Nil glass; other parts Nil to 50% by age; painting 50% on material cost","note":null,"quote":"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 ... Not exceeding 6 months | Nil\nExceeding 6 months but not exceeding 1 | 5%\nyear\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 | 40%\nyears\nExceeding 10 years | 50% ... 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/stand-alone-own-damage-two-wheeler-policy-irdan157rp0034v02201920/document/1539#c-section-i"},{"clause":"4","heading":null,"page":1,"url":"https://indiainsurances.com/policy/acko-general-insurance/stand-alone-own-damage-two-wheeler-policy-irdan157rp0034v02201920/document/1539#c-4"},{"clause":"5","heading":"Rate of Depreciation for painting","page":1,"url":"https://indiainsurances.com/policy/acko-general-insurance/stand-alone-own-damage-two-wheeler-policy-irdan157rp0034v02201920/document/1539#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 1-year policy, the No Claim Bonus discount on own damage premium is 20% after one preceding full claim-free year, 25% after 2 consecutive claim-free years, 35% after 3 consecutive claim-free years, 45% after 4 consecutive claim-free years, and 50% after 5 consecutive claim-free years.","display":"NCB discount on own damage premium: 20%, 25%, 35%, 45% or 50% by claim-free years","note":"The wording also prints separate transfer and expiry tables for policies with periods more than 1 year.","quote":"No claim made or pending during the preceding full year of | 20%\nInsurance\nNo claim made or pending during the preceding 2 | 25%\nconsecutive years of insurance\nNo claim made or pending during the preceding 3 | 35%\nconsecutive years of insurance\nNo claim made or pending during the preceding 4 | 45%\nconsecutive years of insurance\nNo claim made or pending during the preceding 5 | 50%\nconsecutive years of insurance","sources":[{"clause":"6(a)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/acko-general-insurance/stand-alone-own-damage-two-wheeler-policy-irdan157rp0034v02201920/document/1539#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, but does not print a fixed compulsory deductible amount.","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 only says the deductible is stated in the schedule; it does not print 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":"The policy includes personal accident cover for the owner-driver for bodily injury or death connected with the insured vehicle. Compensation is 100% for death, loss of two limbs or sight of two eyes or one limb and sight of one eye, and permanent total disablement; 50% for loss of one limb or sight of one eye; total liability is up to Rs. 15 lakhs during any one period of insurance.","display":"Owner-driver PA cover up to Rs. 15 lakhs; 100% for death/PTD and 50% for one limb or one eye","note":"Subject to the owner-driver being the registered owner, named insured and holding an effective driving license.","quote":"The Company undertakes to pay compensation as per the following scale for bodily injury/death sustained by the owner-driver of the vehicle ... (i) Death | 100%\n(ii) Loss of two limbs or sight of two eyes or one limb and sight of one eye | 100%\n(iii) Loss of one limb or sight of one eye | 50%\n(iv) Permanent total disablement from injuries other than named above | 100% ... the total liability of the insurer shall not in the aggregate exceed the sum of Rs. 15 lakhs during any one period of insurance.","sources":[{"clause":"Section II","heading":"PERSONAL ACCIDENT COVER FOR OWNER-DRIVER","page":4,"url":"https://indiainsurances.com/policy/acko-general-insurance/stand-alone-own-damage-two-wheeler-policy-irdan157rp0034v02201920/document/1539#c-section-ii"},{"clause":null,"heading":"SCALE OF","page":4,"url":"https://indiainsurances.com/policy/acko-general-insurance/stand-alone-own-damage-two-wheeler-policy-irdan157rp0034v02201920/document/1539#c-scale-of"}],"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":["Key Protect","Engine Protect","Zero Depreciation","Personal Belongings – Theft","Personal Belongings including Electronic Equipment","Personal Belongings - Damage","NCB Protect","Loss of License/RC","Invoice Cover","Downtime Allowance"],"display":"Key Protect, Engine Protect, Zero Depreciation, Personal Belongings, NCB Protect, Loss of License/RC, Invoice Cover and Downtime Allowance","note":"Each add-on states that it is in force only if Acko has received the additional premium for that add-on.","quote":"Stand-Alone Own Damage Two Wheeler Policy - Add-ons Key Protect ... Stand-Alone Own Damage Two Wheeler Policy - Add-ons Engine Protect ... Stand-Alone Own Damage Two Wheeler Policy - Add-ons Zero Depreciation ... Stand-Alone Own Damage Two Wheeler Policy - Add-ons: Personal Belongings – Theft ... Stand-Alone Own Damage Two Wheeler Policy - Add-ons Personal Belongings including Electronic Equipment ... Stand-Alone Own Damage Two Wheeler Policy - Add-ons Personal Belongings - Damage ... POLICY WORDINGS Stand-Alone Own Damage Two Wheeler Policy - Add-ons: NCB Protect ... Stand-Alone Own Damage Two Wheeler Policy - Add-ons: Loss of License or RC ... Stand-Alone Own Damage Two Wheeler Policy - Add-ons Invoice Cover ... Stand-Alone Own Damage Two Wheeler Policy - Add-ons Downtime Allowance","sources":[{"clause":null,"heading":"Stand-Alone Own Damage Two Wheeler Policy - Add-ons Key Protect","page":1,"url":"https://indiainsurances.com/policy/acko-general-insurance/stand-alone-own-damage-two-wheeler-policy-irdan157rp0034v02201920/document/1625#c-stand-alone-own-damage-two-wheeler-policy-add-on"},{"clause":null,"heading":"Stand-Alone Own Damage Two Wheeler Policy - Add-ons Engine Protect","page":1,"url":"https://indiainsurances.com/policy/acko-general-insurance/stand-alone-own-damage-two-wheeler-policy-irdan157rp0034v02201920/document/1690#c-stand-alone-own-damage-two-wheeler-policy-add-on"},{"clause":null,"heading":"Stand-Alone Own Damage Two Wheeler Policy - Add-ons Zero Depreciation","page":1,"url":"https://indiainsurances.com/policy/acko-general-insurance/stand-alone-own-damage-two-wheeler-policy-irdan157rp0034v02201920/document/1692#c-stand-alone-own-damage-two-wheeler-policy-add-on"},{"clause":null,"heading":"Stand-Alone Own Damage Two Wheeler Policy - Add-ons: Personal Belongings – Theft","page":1,"url":"https://indiainsurances.com/policy/acko-general-insurance/stand-alone-own-damage-two-wheeler-policy-irdan157rp0034v02201920/document/1695#c-stand-alone-own-damage-two-wheeler-policy-add-on"},{"clause":null,"heading":"POLICY WORDINGS","page":1,"url":"https://indiainsurances.com/policy/acko-general-insurance/stand-alone-own-damage-two-wheeler-policy-irdan157rp0034v02201920/document/1696#c-policy-wordings"},{"clause":null,"heading":"Stand-Alone Own Damage Two Wheeler Policy - Add-ons Personal Belongings - Damage","page":1,"url":"https://indiainsurances.com/policy/acko-general-insurance/stand-alone-own-damage-two-wheeler-policy-irdan157rp0034v02201920/document/1698#c-stand-alone-own-damage-two-wheeler-policy-add-on"},{"clause":null,"heading":"POLICY WORDINGS Stand-Alone Own Damage Two Wheeler Policy - Add-ons: NCB Protect","page":1,"url":"https://indiainsurances.com/policy/acko-general-insurance/stand-alone-own-damage-two-wheeler-policy-irdan157rp0034v02201920/document/1700#c-policy-wordings-stand-alone-own-damage-two-wheel"},{"clause":null,"heading":"POLICY WORDINGS","page":1,"url":"https://indiainsurances.com/policy/acko-general-insurance/stand-alone-own-damage-two-wheeler-policy-irdan157rp0034v02201920/document/1701#c-policy-wordings"},{"clause":null,"heading":"Stand-Alone Own Damage Two Wheeler Policy - Add-ons Invoice Cover","page":1,"url":"https://indiainsurances.com/policy/acko-general-insurance/stand-alone-own-damage-two-wheeler-policy-irdan157rp0034v02201920/document/1703#c-stand-alone-own-damage-two-wheeler-policy-add-on"},{"clause":null,"heading":"Stand-Alone Own Damage Two Wheeler Policy - Add-ons Downtime Allowance","page":1,"url":"https://indiainsurances.com/policy/acko-general-insurance/stand-alone-own-damage-two-wheeler-policy-irdan157rp0034v02201920/document/1705#c-stand-alone-own-damage-two-wheeler-policy-add-on"}],"law":[]},{"key":"cashless_garages","label":"Cashless garages","section":"Claims","meaning":"Whether repairs can be cashless at network garages.","status":"quote-verified","value":"Cashless claims are available on confirmation, with repairs at a preferred network garage.","display":"Yes, at a preferred network garage after cashless facility confirmation","note":"From the prospectus; the policy wording does not separately describe cashless garages.","quote":"On cashless facility confirmation, repair the vehicle at any preferred network garage.","sources":[{"clause":null,"heading":"How to claim?","page":6,"url":"https://indiainsurances.com/policy/acko-general-insurance/stand-alone-own-damage-two-wheeler-policy-irdan157rp0034v02201920/document/1563#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":["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","being used otherwise than in accordance with the ‘Limitations as to Use’","being driven by or is for the purpose of being driven by him/her in the charge of any person other than a Driver as stated in the Driver’s Clause","any claim arising out of any contractual liability","ionising radiations or contamination by radioactivity","nuclear weapons material","war, invasion, the act of foreign enemies, hostilities or warlike operations"],"display":"Wear and tear/mechanical breakdown, tyres, accessories theft, drunk driving, outside geographical area, wrong use, unauthorised driver, contractual liability, radiation/nuclear and war","note":null,"quote":"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. ... being used otherwise than in accordance with the ‘Limitations as to Use’ ... any person other than a Driver as stated in the Driver’s Clause. ... any claim arising out of any contractual liability; ... ionising radiations or contamination by radioactivity ... nuclear weapons material. ... 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/stand-alone-own-damage-two-wheeler-policy-irdan157rp0034v02201920/document/1539#c-6-a"},{"clause":"6(b)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/acko-general-insurance/stand-alone-own-damage-two-wheeler-policy-irdan157rp0034v02201920/document/1539#c-6-b"},{"clause":"6(c)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/acko-general-insurance/stand-alone-own-damage-two-wheeler-policy-irdan157rp0034v02201920/document/1539#c-6-c"},{"clause":"6(d)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/acko-general-insurance/stand-alone-own-damage-two-wheeler-policy-irdan157rp0034v02201920/document/1539#c-6-d"},{"clause":null,"heading":"GENERAL EXCEPTIONS","page":4,"url":"https://indiainsurances.com/policy/acko-general-insurance/stand-alone-own-damage-two-wheeler-policy-irdan157rp0034v02201920/document/1539#c-general-exceptions"},{"clause":"4","heading":null,"page":4,"url":"https://indiainsurances.com/policy/acko-general-insurance/stand-alone-own-damage-two-wheeler-policy-irdan157rp0034v02201920/document/1539#c-4-2"},{"clause":"5","heading":null,"page":4,"url":"https://indiainsurances.com/policy/acko-general-insurance/stand-alone-own-damage-two-wheeler-policy-irdan157rp0034v02201920/document/1539#c-5-2"},{"clause":"6","heading":null,"page":4,"url":"https://indiainsurances.com/policy/acko-general-insurance/stand-alone-own-damage-two-wheeler-policy-irdan157rp0034v02201920/document/1539#c-6-2"}],"law":[]},{"key":"sum_insured_basis","label":"Sum insured basis","section":"Cover","meaning":"How the cover amount is set: market value, reinstatement value, agreed value, IDV.","status":"quote-verified","value":"The cover amount is based on the Insured’s Declared Value (IDV), which is deemed the sum insured. IDV is fixed at the commencement of each policy period based on the manufacturer’s listed selling price adjusted for depreciation, and is treated as Market Value for Total Loss or Constructive Total Loss claims.","display":"IDV basis: manufacturer’s listed selling price adjusted for depreciation; 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/stand-alone-own-damage-two-wheeler-policy-irdan157rp0034v02201920/document/1539#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/stand-alone-own-damage-two-wheeler-policy-irdan157rp0034v02201920/document/1539#c-the-schedule-of-depreciation-for-fixing-idv-of-t"}],"law":[]}],"documents":[{"kind":"wording","label":"Stand-alone Own Damage Two-Wheeler Policy - Policy Wordings","pages":26,"fetched_at":"2026-10-17 19:33:10+00","source_url":"https://acko-cms.ackoassets.com/Stand_Alone_Own_Damage_Two_Wheeler_Policy_Policy_Wordings_ccdbf4d5fe.pdf","url":"https://indiainsurances.com/policy/acko-general-insurance/stand-alone-own-damage-two-wheeler-policy-irdan157rp0034v02201920/document/1539"},{"kind":"wording","label":"Stand-Alone Own Damage Two-Wheeler Policy (IRDAI copy)","pages":30,"fetched_at":"2026-10-20 01:14:00+00","source_url":"https://irdai.gov.in/documents/37343/993134/IRDAN157RP0034V01201920_GEN2972.pdf/2000f9e1-b19d-b0c7-dc3e-3b9e867c662e?version=1.1&t=1668338712156&download=true","url":"https://indiainsurances.com/policy/acko-general-insurance/stand-alone-own-damage-two-wheeler-policy-irdan157rp0034v02201920/document/26050"},{"kind":"prospectus","label":"Standalone Own Damage Two-Wheeler Policy - Prospectus","pages":6,"fetched_at":"2026-10-17 19:33:54+00","source_url":"https://acko-cms.ackoassets.com/Standalone_Own_Damage_Two_Wheeler_Policy_Prospectus_085d1fa010.pdf","url":"https://indiainsurances.com/policy/acko-general-insurance/stand-alone-own-damage-two-wheeler-policy-irdan157rp0034v02201920/document/1563"},{"kind":"prospectus","label":"Standalone Own Damage Two Wheeler policy - Add-Ons - Prospectus","pages":6,"fetched_at":"2026-10-17 19:34:00+00","source_url":"https://acko-cms.ackoassets.com/2024_02_13_Prospectus_Standalone_Two_Wheeler_Policy_Add_ons_9fe8f86dd2.pdf","url":"https://indiainsurances.com/policy/acko-general-insurance/stand-alone-own-damage-two-wheeler-policy-irdan157rp0034v02201920/document/1565"},{"kind":"cis","label":"Standalone Own Damage Two-Wheeler Policy- CIS","pages":4,"fetched_at":"2026-10-17 19:33:20+00","source_url":"https://acko-cms.ackoassets.com/Standalone_Own_Damage_Two_Wheeler_Policy_CIS_4c10e833f8.pdf","url":"https://indiainsurances.com/policy/acko-general-insurance/stand-alone-own-damage-two-wheeler-policy-irdan157rp0034v02201920/document/1537"},{"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. 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":"Stand-alone Own Damage Two-Wheeler Policy (UIN IRDAN157RP0034V02201920), IndiaInsurances, https://indiainsurances.com/policy/acko-general-insurance/stand-alone-own-damage-two-wheeler-policy-irdan157rp0034v02201920"}