{"uin":"IRDAN157RPMT0007V03201819","name":"Stand-Alone Own Damage Private Car Policy","url":"https://indiainsurances.com/policy/acko-general-insurance/stand-alone-own-damage-private-car-policy-irdan157rpmt0007v03201819","insurer":{"slug":"acko-general-insurance","name":"Acko General Insurance Limited","url":"https://indiainsurances.com/insurer/acko-general-insurance"},"line":"general","category":"motor-car","category_name":"Car insurance","irdai_type":"Main product","kind":"product","status":"active","approved_on":"2019-09-29","withdrawn_on":null,"summary":"The documents describe Acko Private Car Policy-Bundled for a private car, with annual own-damage cover and 3 years third-party liability cover. It covers loss or damage to the insured vehicle from listed perils, third-party liability and PA owner-driver cover of Rs. 15 lakhs, with add-ons available for zero depreciation, roadside assistance, engine protect and others.","analysis":{"state":"machine","analysed_at":"2026-10-19 18:17:56.580831+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":"quote-verified","value":"Third-party liability cover runs for 3 years and the Own Damage component is annual.","display":"3 years for third party liability; annual cover for Own Damage components","note":null,"quote":"The Bundled Private Car 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 Private Car Insurance?","page":1,"url":"https://indiainsurances.com/policy/acko-general-insurance/stand-alone-own-damage-private-car-policy-irdan157rpmt0007v03201819/document/1507#c-why-take-bundled-private-car-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 of accidental loss or damage must be given in writing immediately. For theft or a criminal act, immediate notice must also be given to the police.","display":"Immediately in writing; 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 and co-operate with the Company in securing the conviction of the offender.","sources":[{"clause":null,"heading":"CONDITIONS","page":4,"url":"https://indiainsurances.com/policy/acko-general-insurance/stand-alone-own-damage-private-car-policy-irdan157rpmt0007v03201819/document/1502#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":2,"url":"https://indiainsurances.com/policy/acko-general-insurance/stand-alone-own-damage-private-car-policy-irdan157rpmt0007v03201819/document/1507#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":"The insurer will arrange inspection 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 claims, payment is promised within 7 days of submission of the last necessary documents.","display":"Inspection within 24 hours on a working-day report, or next working day for Sunday/public holiday; 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":2,"url":"https://indiainsurances.com/policy/acko-general-insurance/stand-alone-own-damage-private-car-policy-irdan157rpmt0007v03201819/document/1507#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","any accidental loss or damage suffered whilst the insured or any person driving the vehicle with the knowledge and consent of the insured is under the influence of intoxicating liquor or drugs","any accidental loss or damage and/or liability caused sustained or incurred 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","war, invasion, the act of foreign enemies, hostilities or warlike operations"],"display":"Consequential loss, depreciation, wear and tear, mechanical/electrical breakdown, tyre/tube damage unless the vehicle is also damaged, intoxicated driving, outside geographical area, contractual liability, improper use/driver, nuclear/radioactivity and war risks","note":null,"quote":"a) consequential loss, depreciation, wear and tear, mechanical or electrical breakdown, failures or breakages;\nb) 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. And\nc) 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. ... (ii) 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 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","heading":"The Company will not apply depreciation for Non-OEM (Original Equipment Manufacturer) /","page":1,"url":"https://indiainsurances.com/policy/acko-general-insurance/stand-alone-own-damage-private-car-policy-irdan157rpmt0007v03201819/document/1502#c-6"},{"clause":null,"heading":"GENERAL EXCEPTIONS","page":4,"url":"https://indiainsurances.com/policy/acko-general-insurance/stand-alone-own-damage-private-car-policy-irdan157rpmt0007v03201819/document/1502#c-general-exceptions"},{"clause":"4","heading":null,"page":4,"url":"https://indiainsurances.com/policy/acko-general-insurance/stand-alone-own-damage-private-car-policy-irdan157rpmt0007v03201819/document/1502#c-4-3"},{"clause":"6","heading":null,"page":4,"url":"https://indiainsurances.com/policy/acko-general-insurance/stand-alone-own-damage-private-car-policy-irdan157rpmt0007v03201819/document/1502#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 grievance resolution, contact Acko on 1800 210 4990 or grievance@acko.com. If dissatisfied with the decision or no response is received within 14 working days, write or email the Chief Grievance Officer at gro@acko.com.","display":"First contact Acko grievance helpline 1800 210 4990 or grievance@acko.com; then Chief Grievance Officer at gro@acko.com if dissatisfied or no response within 14 working days","note":null,"quote":"For resolution of grievance, insured may contact the company on our toll-free helpline number 1800 210 4990 (Operating hours: 10 AM – 7 PM, all days of the week). 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(b)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/acko-general-insurance/stand-alone-own-damage-private-car-policy-irdan157rpmt0007v03201819/document/1502#c-6-b-7"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"perils","label":"What is covered","section":"Cover","meaning":"The events or risks covered.","status":"quote-verified","value":["fire explosion self-ignition or lightning","burglary housebreaking or theft","riot and strike","earthquake (fire and shock damage)","flood typhoon hurricane storm tempest inundation cyclone hailstorm frost","accidental external means","malicious act","terrorist activity","whilst in transit by road rail inland - waterway lift elevator or air","landslide rockslide"],"display":"Fire/explosion/self-ignition/lightning, burglary/housebreaking/theft, riot and strike, earthquake, flood and storm 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 malicious act;\nviii) by terrorist activity;\nix) whilst in transit by road rail inland - waterway lift elevator or air;\nx) by landslide rockslide.","sources":[{"clause":"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-private-car-policy-irdan157rpmt0007v03201819/document/1502#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 policyholder can cancel at any time without giving reasons. If the policy term is up to one year and no claim has been made, Acko refunds proportionate premium for the unexpired policy period; for terms over one year, it refunds premium for unexpired policy years whose risk coverage has not commenced.","display":"Cancel any time; proportionate refund for unexpired period if term is up to one year and no claim; for terms over one year, refund for unexpired policy years whose risk has not commenced","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(ii)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/acko-general-insurance/stand-alone-own-damage-private-car-policy-irdan157rpmt0007v03201819/document/1502#c-6-ii"}],"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 and has an endorsement to extend the geographical area, but the base geographical area is not stated 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":["Private Car Policy- Bundled","Loss of or Damage to the Insured Vehicle","Liability to Third Parties","Personal Accident for Owner Driver"],"display":"Private Car Policy- Bundled with own damage, third-party liability and PA owner-driver cover","note":null,"quote":"1 | Product Name | Private Car Policy- Bundled ... 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 1","heading":"Product Name","page":1,"url":"https://indiainsurances.com/policy/acko-general-insurance/stand-alone-own-damage-private-car-policy-irdan157rpmt0007v03201819/document/1497#c-row-1"},{"clause":"Row 6","heading":"Policy Coverage","page":1,"url":"https://indiainsurances.com/policy/acko-general-insurance/stand-alone-own-damage-private-car-policy-irdan157rpmt0007v03201819/document/1497#c-row-6"}],"law":[]},{"key":"third_party","label":"Third-party liability","section":"Cover","meaning":"Compulsory cover for injury, death or property damage to others. Unlimited for death and injury.","status":"quote-verified","value":"The policy indemnifies the insured for legal liability from use of the vehicle for death or bodily injury to any person, including occupants not carried for hire or reward, and for damage to property other than property belonging to or held by the insured, subject to the limits of liability in the schedule.","display":"Covers legal liability for death or bodily injury to any person, including occupants not for hire or reward, and damage to third-party property, subject to schedule limits","note":"The provided clauses do not print the schedule limits.","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 (provided such occupants are not carried for hire or reward) ... 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":2,"url":"https://indiainsurances.com/policy/acko-general-insurance/stand-alone-own-damage-private-car-policy-irdan157rpmt0007v03201819/document/1502#c-1"},{"clause":"1(i)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/acko-general-insurance/stand-alone-own-damage-private-car-policy-irdan157rpmt0007v03201819/document/1502#c-1-i"},{"clause":"1(ii)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/acko-general-insurance/stand-alone-own-damage-private-car-policy-irdan157rpmt0007v03201819/document/1502#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 (IDV) is deemed to be the Sum Insured, fixed at the commencement of each policy period on the basis of the manufacturer’s listed selling price adjusted for depreciation. It is treated as Market Value throughout the policy period for total loss or constructive total loss claims, and CTL applies if retrieval/repair cost exceeds 75% of IDV.","display":"IDV is the Sum Insured, fixed at policy commencement from manufacturer’s listed selling price adjusted for depreciation; treated as Market Value for TL/CTL; CTL if repair/retrieval exceeds 75% of IDV","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. The insured vehicle shall be treated as a CTL if the aggregate cost of retrieval and / or repair of the vehicle, subject to terms and conditions of the policy, exceeds 75% of the IDV of the vehicle.","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-private-car-policy-irdan157rpmt0007v03201819/document/1502#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-private-car-policy-irdan157rpmt0007v03201819/document/1502#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; nil for glass. For all other parts including wooden parts, depreciation depends on vehicle age from Nil up to 50%; painting depreciation is 50% on material cost only.","display":"Parts: 50% for rubber/nylon/plastic, tyres and tubes, batteries and air bags; 30% fibre glass; Nil glass; other parts by vehicle age from Nil to 50%; 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/stand-alone-own-damage-private-car-policy-irdan157rpmt0007v03201819/document/1502#c-section-i"},{"clause":"4","heading":null,"page":1,"url":"https://indiainsurances.com/policy/acko-general-insurance/stand-alone-own-damage-private-car-policy-irdan157rpmt0007v03201819/document/1502#c-4"},{"clause":"5","heading":"Rate of Depreciation for painting","page":1,"url":"https://indiainsurances.com/policy/acko-general-insurance/stand-alone-own-damage-private-car-policy-irdan157rpmt0007v03201819/document/1502#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":"not-stated","value":null,"display":null,"note":"The documents mention No Claim Bonus and an NCB Protect add-on, but do not state the base no-claim bonus discount scale for claim-free years.","quote":null,"sources":[],"law":[]},{"key":"compulsory_deductible","label":"Compulsory deductible","section":"Limits and co-pay","meaning":"Fixed amount you pay on every own-damage claim.","status":"not-stated","value":null,"display":null,"note":"The wording says the deductible is stated in the schedule/IMT.22, but the fixed compulsory deductible amount is not printed in the provided clauses.","quote":null,"sources":[],"law":[]},{"key":"deductible","label":"Voluntary deductible","section":"Limits and co-pay","meaning":"An extra amount per claim you choose to bear for a lower premium.","status":"quote-verified","value":"A voluntary deductible may be borne in addition to the compulsory deductible for a private car; the policy wording says the aggregate of compulsory and voluntary deductibles is to be inserted.","display":"Voluntary deductible may be chosen in addition to compulsory deductible; amount not stated","note":"The provided clauses do not state the voluntary deductible amount/options.","quote":"In respect of a vehicle rated under the Tariff for Private Car, if any deductible in addition to the compulsory deductible provided in this endorsement is voluntarily borne by the insured, the sum representing the aggregate of the compulsory and the voluntary deductibles is to be inserted.","sources":[{"clause":"6(b)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/acko-general-insurance/stand-alone-own-damage-private-car-policy-irdan157rpmt0007v03201819/document/1502#c-6-b-4"}],"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 provides PA cover for the owner-driver up to Rs. 15 lakhs in aggregate during any one period of insurance. Compensation is 100% for death, loss of two limbs/sight of two eyes/one limb and one eye, and permanent total disablement, and 50% for loss of one limb or sight of one eye, subject to the owner-driver being the registered owner, named insured and holding an effective driving licence.","display":"Owner-driver PA cover up to Rs. 15 lakhs; 100% for death/PTD/two limbs or eyes, 50% for one limb or eye; subject to registered owner, named insured and effective driving licence","note":null,"quote":"Nature of injury | Scale of\nCompensation\n(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. ... This cover is subject to\na) 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, in accordance with the provisions of Rule 3 of the Central Motor Vehicles Rules, 1989, at the time of the accident.","sources":[{"clause":"Section III","heading":"PERSONAL ACCIDENT COVER FOR OWNER-DRIVER","page":3,"url":"https://indiainsurances.com/policy/acko-general-insurance/stand-alone-own-damage-private-car-policy-irdan157rpmt0007v03201819/document/1502#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 Cover","NCB Protect","Outstation Emergency Cover","Roadside Assistance","Zero Depreciation Cover","Loss of License/RC Cover","Invoice Cover","Key Protect","Personal Belongings – Damage Cover","Personal Belongings including Electronic Equipment Cover","Personal Belongings – Theft Cover","Small Repair Claim Cover","FASTag Linked Cover","Tyre Protect"],"display":"Engine Protect, Consumables, NCB Protect, Outstation Emergency, Roadside Assistance, Zero Depreciation, Loss of License/RC, Invoice, Key Protect, Personal Belongings, Small Repair Claim, FASTag Linked and Tyre Protect add-ons","note":"Add-ons are in force only if the additional premium is paid.","quote":"Engine Protect IRDAN157RPMT0007V03201819/A004V02202122 Consumables Cover IRDAN157RPMT0007V03201819/A0023V01201819 NCB Protect IRDAN157RPMT0007V03201819/A002V01202122 Outstation Emergency Cover IRDAN157RPMT0007V03201819/A0022V01201819 Roadside Assistance IRDAN157RPMT0007V03201819/A0021V01201819 Zero Depreciation Cover IRDAN157RPMT0007V03201819/A0020V01201819 Loss of License/RC Cover IRDAN157RPMT0007V03201819/A008V01202122 Invoice Cover IRDAN157RPMT0007V03201819/A009V01202122 Key Protect IRDAN157RPMT0007V03201819/A003V01202122 Personal Belongings – Damage Cover IRDAN157RPMT0007V03201819/A005V01202122 Personal Belongings including Electronic Equipment Cover IRDAN157RPMT0007V03201819/A007V01202122 Personal Belongings – Theft Cover IRDAN157RPMT0007V03201819/A006V01202122 Small Repair Claim Cover IRDAN157RPMT0007V03201819/A001V01202122 FASTag Linked Cover IRDAN157RPMT0007V03201819/A00010V02202526 Tyre Protect IRDAN157RPMT0007V03201819/A00012V01202526","sources":[{"clause":"Row 1","heading":"Name and UIN of Add-ons","page":1,"url":"https://indiainsurances.com/policy/acko-general-insurance/stand-alone-own-damage-private-car-policy-irdan157rpmt0007v03201819/document/1505#c-row-1"}],"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 any preferred network garage.","display":"Yes, after cashless facility confirmation at any preferred network garage","note":null,"quote":"On cashless facility confirmation, repair the vehicle at any preferred network garage.","sources":[{"clause":null,"heading":"How to claim?","page":2,"url":"https://indiainsurances.com/policy/acko-general-insurance/stand-alone-own-damage-private-car-policy-irdan157rpmt0007v03201819/document/1507#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 loss, use contrary to limitations, mechanical/electrical breakdown, contractual liability, drunk/drugged driving, driving without valid licence, nuclear/war, intentional self-injury/suicide","note":null,"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/stand-alone-own-damage-private-car-policy-irdan157rpmt0007v03201819/document/1507#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 the Insured’s Declared Value (IDV), deemed to be the Sum Insured. IDV is fixed at policy commencement using the manufacturer’s listed selling price adjusted for depreciation and is treated as Market Value during the policy period for total loss or constructive total loss claims.","display":"IDV basis: 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/stand-alone-own-damage-private-car-policy-irdan157rpmt0007v03201819/document/1502#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-private-car-policy-irdan157rpmt0007v03201819/document/1502#c-the-schedule-of-depreciation-for-fixing-idv-of-t"}],"law":[]}],"documents":[{"kind":"wording","label":"Stand-Alone Own Damage Private Car Policy - Policy Wordings","pages":17,"fetched_at":"2026-10-17 19:32:10+00","source_url":"https://acko-cms.ackoassets.com/Policy_Wordings_Stand_Alone_Own_Damage_Private_Car_Policy_46848e8c67.pdf","url":"https://indiainsurances.com/policy/acko-general-insurance/stand-alone-own-damage-private-car-policy-irdan157rpmt0007v03201819/document/1498"},{"kind":"wording","label":"Private Car Policy - Bundled - Policy Wordings","pages":18,"fetched_at":"2026-10-17 19:32:23+00","source_url":"https://acko-cms.ackoassets.com/Policy_Wordings_Private_Car_Policy_Bundled_c1584c8c02.pdf","url":"https://indiainsurances.com/policy/acko-general-insurance/stand-alone-own-damage-private-car-policy-irdan157rpmt0007v03201819/document/1502"},{"kind":"wording","label":"Stand-Alone Own Damage Private Car Policy (IRDAI copy)","pages":18,"fetched_at":"2026-10-20 01:13:49+00","source_url":"https://irdai.gov.in/documents/37343/993134/IRDAN157RP0033V01201920_GEN2971.pdf/c7b2b3fc-f2a3-16de-a048-209ddfa87432?version=1.1&t=1668338640796&download=true","url":"https://indiainsurances.com/policy/acko-general-insurance/stand-alone-own-damage-private-car-policy-irdan157rpmt0007v03201819/document/26035"},{"kind":"prospectus","label":"Stand-Alone Own Damage Private Car Policy - Prospectus","pages":6,"fetched_at":"2026-10-17 19:32:00+00","source_url":"https://acko-cms.ackoassets.com/Prospectus_Stand_Alone_Own_Damage_Private_Car_Policy_999d81a53b.pdf","url":"https://indiainsurances.com/policy/acko-general-insurance/stand-alone-own-damage-private-car-policy-irdan157rpmt0007v03201819/document/1485"},{"kind":"prospectus","label":"Standalone Own Damage Private Car policy - 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Add-on: Invoice Cover","pages":1,"fetched_at":"2026-10-17 19:30:58+00","source_url":"https://acko-cms.ackoassets.com/Stand_Alone_Own_Damage_Private_Car_Policy_Add_ons_Invoice_Cover_5402a19de5.pdf","url":"https://indiainsurances.com/policy/acko-general-insurance/stand-alone-own-damage-private-car-policy-irdan157rpmt0007v03201819/document/1450"},{"kind":"rider","label":"Stand-alone Own Damage Private Car Policy - Add-on: Personal Belongings - Damage","pages":1,"fetched_at":"2026-10-17 19:31:04+00","source_url":"https://acko-cms.ackoassets.com/policy_wordings_private_car_policy_bundled_add_on_personal_belongings_damage_c457aa62e8.pdf","url":"https://indiainsurances.com/policy/acko-general-insurance/stand-alone-own-damage-private-car-policy-irdan157rpmt0007v03201819/document/1454"},{"kind":"rider","label":"Stand-alone Own Damage Private Car Policy - Add-on: Small Repair Claim","pages":1,"fetched_at":"2026-10-17 19:31:10+00","source_url":"https://acko-cms.ackoassets.com/Stand_Alone_Own_Damage_Private_Car_Policy_Add_ons_Small_Repair_Claim_992ad9861e.pdf","url":"https://indiainsurances.com/policy/acko-general-insurance/stand-alone-own-damage-private-car-policy-irdan157rpmt0007v03201819/document/1457"},{"kind":"rider","label":"Stand-alone Own Damage Private Car Policy - 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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 Private Car Policy (UIN IRDAN157RPMT0007V03201819), IndiaInsurances, https://indiainsurances.com/policy/acko-general-insurance/stand-alone-own-damage-private-car-policy-irdan157rpmt0007v03201819"}