{"uin":"IRDAN157RPMT0017V01202627","name":"Acko Drivecam Car Policy","url":"https://indiainsurances.com/policy/acko-general-insurance/acko-drivecam-car-policy-irdan157rpmt0017v01202627","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":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Acko Drivecam Car Policy provides comprehensive motor insurance coverage for private cars with own-damage, third-party liability and personal accident cover if opted. It includes a dashcam device at policy inception and offers optional covers such as zero depreciation, engine protect, invoice cover, roadside assistance, tyre protect and voluntary deductible.","analysis":{"state":"machine","analysed_at":"2026-10-20 02:48:16.308533+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":"Tenure options are 1 year, 2 Years or 3 years.","display":"1 year / 2 Years / 3 years","note":null,"quote":"Tenure Options: 1 year / 2 Years / 3 years.","sources":[{"clause":"6","heading":"Policy Cancellation and Refund Adjustment","page":2,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-drivecam-car-policy-irdan157rpmt0017v01202627/document/1523#c-6"}],"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":"Notify the insurer as soon as reasonably possible, but no later than 7 days of discovery for theft, burglary or malicious loss and 30 days of the event for all other losses. For theft of the insured vehicle, lodge an FIR immediately and inform the insurer within 24 hours.","display":"As soon as reasonably possible; 7 days for theft, burglary or malicious loss; 30 days for other losses; theft of vehicle within 24 hours","note":null,"quote":"as soon as reasonably possible, but no later than i) 7 days of discovery in case of theft, burglary, or malicious loss; ii) 30 days of the event for all other losses, unless a shorter limit is set for a specific Optional Cover. ... For theft of the Insured Vehicle, You must (i) lodge an FIR with the police immediately and inform Us within 24 hours","sources":[{"clause":"7","heading":"Claim Procedure and Documentation for cashless and reimbursement of claim","page":26,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-drivecam-car-policy-irdan157rpmt0017v01202627/document/1511#c-7-4"}],"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":["Vehicle registration certificate","Driving License","Repair estimate","Repair Invoice","Police Report (if registered)","Fire Brigade Report ( if applicable)","FIR","all original keys and vehicle documents","No-Trace/Untraced Report issued by the police after about 90 days from the date of theft"],"display":"Vehicle registration certificate, Driving License, repair estimate, repair invoice, police/fire reports if applicable; for theft, FIR, original keys and vehicle documents, and No-Trace/Untraced Report","note":null,"quote":"Vehicle registration certificate ... Driving License ... Repair estimate ... Repair Invoice ... Police Report (if registered) ... Fire Brigade Report ( if applicable) ... For theft of the Insured Vehicle, You must (i) lodge an FIR with the police immediately and inform Us within 24 hours, (ii) hand over all original keys and vehicle documents to Us, and (iii) provide a No-Trace/Untraced Report issued by the police after about 90 days from the date of theft.","sources":[{"clause":"7","heading":"Claim Procedure and Documentation for cashless and reimbursement of claim","page":26,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-drivecam-car-policy-irdan157rpmt0017v01202627/document/1511#c-7-4"}],"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 surveyor must submit the survey report within 15 days of allocation, and the insurer must process and decide the claim within 7 days of receipt of the survey report, or within the period prescribed by law.","display":"Survey report within 15 days of allocation; claim processed and decided within 7 days of receipt of survey report","note":null,"quote":"The surveyor shall submit the survey report to Us within 15 days of allocation or within such period as may be prescribed under the applicable law. ... We shall process and decide upon the claim within 7 days of receipt of the survey report or within such period as may be prescribed under the applicable law.","sources":[{"clause":"7","heading":"Claim Procedure and Documentation for cashless and reimbursement of claim","page":26,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-drivecam-car-policy-irdan157rpmt0017v01202627/document/1511#c-7-4"}],"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":["Any consequential loss","Depreciation, wear and tear, mechanical or electrical breakdown","Any damage to tyres and tubes unless the Insured Vehicle is damaged simultaneously","under the influence of intoxicating liquor or drugs","covered under another insurance policy, manufacturer’s warranty, recall campaign, or similar coverage","Repairs or replacements undertaken without prior approval from Us","outside the geographical area","contractual liability","used in a manner not permitted under the Act or as specified in the Policy Schedule","ionising radiations or contamination by radioactivity","nuclear weapons material","war, invasion, the act of foreign enemies, hostilities or warlike operations"],"display":"Consequential loss; depreciation, wear and tear or breakdown; tyre/tube damage unless the vehicle is also damaged; drunk/drugged driving; other insurance or warranty; repairs without prior approval; outside geographical area; contractual liability; use not permitted; radioactive/nuclear risks; war risks","note":null,"quote":"Any consequential loss ... Depreciation, wear and tear, mechanical or electrical breakdown ... Any damage to tyres and tubes unless the Insured Vehicle is damaged simultaneously ... under the influence of intoxicating liquor or drugs ... covered under another insurance policy, manufacturer’s warranty, recall campaign, or similar coverage ... Repairs or replacements undertaken without prior approval from Us ... outside the geographical area ... contractual liability ... used in a manner not permitted under the Act or as specified in the Policy Schedule ... ionising radiations or contamination by radioactivity ... nuclear weapons material ... war, invasion, the act of foreign enemies, hostilities or warlike operations","sources":[{"clause":"6","heading":"Policy Cancellation and Refund Adjustment","page":8,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-drivecam-car-policy-irdan157rpmt0017v01202627/document/1511#c-6-2"},{"clause":"18(a)","heading":null,"page":25,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-drivecam-car-policy-irdan157rpmt0017v01202627/document/1511#c-18-a"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"For a grievance, contact Acko on toll-free helpline 1800 210 4990 or grievance@acko.com. If dissatisfied or no response within 14 working days, escalate to the Grievance Redressal Officer at gro@acko.com before approaching other avenues.","display":"Contact 1800 210 4990 or grievance@acko.com; if dissatisfied or no response within 14 working days, write to the Grievance Redressal Officer at gro@acko.com","note":null,"quote":"For resolution of grievance, insured may contact the company on our toll-free helpline number 1800 210 4990 (Operating hours: 10 AM – 7 PM, all days of the week). You can also write to grievance@acko.com. ... If in case you are dissatisfied with the decision/resolution provided through details indicated above on your Complaint or have not received any response within 14 working days, you may write or email to Grievance Redressal Officer: Email: gro@acko.com","sources":[{"clause":"Part V","heading":"GRIEVANCE REDRESSAL","page":28,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-drivecam-car-policy-irdan157rpmt0017v01202627/document/1511#c-part-v"}],"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":["Accident (such as collision, overturning, impact, or falling objects)","fire, explosion, self-ignition or lightning","burglary, housebreaking or theft","riot and strike","earthquake (including fire and shock damage)","flood, typhoon, hurricane, storm, tempest, inundation, cyclone, hailstorm, frost","malicious act","terrorist activity","whilst in transit (by road, rail, inland waterway (excluding sea voyage), lift, elevator or air)","landslide rockslide","Death of or bodily injury to any Third Party","Damage to property","death or permanent disability"],"display":"Own damage perils include accident, fire/explosion, theft, riot/strike, earthquake, storm/flood, malicious act, terrorist activity, transit and landslide/rockslide; also third-party injury/death and property damage, and owner-driver death or permanent disability if applicable","note":null,"quote":"Accident (such as collision, overturning, impact, or falling objects); 2. fire, explosion, self-ignition or lightning; 3. burglary, housebreaking or theft; 4. riot and strike; 5. earthquake (including fire and shock damage); 6. flood, typhoon, hurricane, storm, tempest, inundation, cyclone, hailstorm, frost; 7. malicious act; 8. terrorist activity; 9. whilst in transit (by road, rail, inland waterway (excluding sea voyage), lift, elevator or air); 10. landslide rockslide. ... Death of or bodily injury to any Third Party ... Damage to property ... results in death or permanent disability","sources":[{"clause":"1","heading":null,"page":5,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-drivecam-car-policy-irdan157rpmt0017v01202627/document/1511#c-1-2"},{"clause":"Section II","heading":"LIABILITY TO THIRD PARTIES","page":9,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-drivecam-car-policy-irdan157rpmt0017v01202627/document/1511#c-section-ii"},{"clause":"1","heading":"What Is Covered","page":10,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-drivecam-car-policy-irdan157rpmt0017v01202627/document/1511#c-1-3"}],"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":"You may cancel any time during the policy period. If the policy period is up to 1 year, the insurer refunds proportionate premium for the unexpired period if no claim has been made; if the period exceeds 1 year, refund is only for policy years where risk coverage has not commenced, and any dashcam premium may be deducted before the pro-rata refund.","display":"Cancel any time; proportionate unexpired premium for policy up to 1 year if no claim; for over 1 year, only unexpired policy years where risk has not commenced; dashcam premium may be deducted","note":"Third-party cover cannot be cancelled except in case of double insurance or Total Loss/CTL of the insured vehicle.","quote":"You may cancel this Policy any time during the Policy Period by informing Us and no reasons shall be required for such cancellation. ... If the Policy Period is up to 1 year, then We will refund the proportionate premium for the unexpired Policy Period, provided no claim has been made during the Policy Period. ... If the Policy Period exceeds 1 year, then We will refund the premium for the unexpired Policy Period, but only in respect of those Policy Years where risk coverage has not yet commenced. ... the Insurer shall deduct the fixed premium attributable to the dashcam (if any) as mentioned in policy document from the total premium prior to computing the refund. The balance premium shall thereafter be refunded on a pro-rata basis for the unexpired period of insurance.","sources":[{"clause":"5(a)","heading":null,"page":26,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-drivecam-car-policy-irdan157rpmt0017v01202627/document/1511#c-5-a-3"},{"clause":"5(b)(i)","heading":null,"page":26,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-drivecam-car-policy-irdan157rpmt0017v01202627/document/1511#c-5-b-i"},{"clause":"5(b)(ii)","heading":null,"page":26,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-drivecam-car-policy-irdan157rpmt0017v01202627/document/1511#c-5-b-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":"quote-verified","value":"Third-party liability cover applies within the territorial limits of India. The policy also has an optional geographical-area extension for own damage, third-party liability and personal accident to areas stated in the Policy Schedule.","display":"Third-party liability within India; optional geographical-area extension as stated in the Policy Schedule","note":"For own-damage and other base covers, the wording also excludes loss outside the geographical area but does not state the base geographical area except through the Policy Schedule.","quote":"legal liability arising out of the use of the Insured Vehicle within the territorial limits of India ... If You have opted for this Optional Cover as stated in the Policy Schedule, then We will extend the coverage under (A) (Section I) Own Damage, (A) (Section II) Third Party Liability, and (A) (Section III) Personal Accident of the Policy to claims occurring within the Geographical Area(s) stated in the Policy Schedule.","sources":[{"clause":"Section II","heading":"LIABILITY TO THIRD PARTIES","page":9,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-drivecam-car-policy-irdan157rpmt0017v01202627/document/1511#c-section-ii"},{"clause":"1","heading":"Extension of Geographical Area","page":20,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-drivecam-car-policy-irdan157rpmt0017v01202627/document/1511#c-1-5"}],"law":[]},{"key":"cover_types","label":"Cover types","section":"Cover","meaning":"Comprehensive, standalone own damage, third-party only.","status":"quote-verified","value":["comprehensive motor insurance coverage for Private Car"],"display":"Comprehensive motor insurance coverage for Private Car","note":null,"quote":"This policy provides comprehensive motor insurance coverage for Private Car, enhanced with dashcam-based features.","sources":[{"clause":"Part III","heading":"BENEFITS","page":4,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-drivecam-car-policy-irdan157rpmt0017v01202627/document/1511#c-part-iii"}],"law":[]},{"key":"third_party","label":"Third-party liability","section":"Cover","meaning":"Compulsory cover for injury, death or property damage to others. Unlimited for death and injury.","status":"quote-verified","value":"The policy covers legal liability for death of or bodily injury to third parties, including occupants other than those carried for hire or reward, and damage to third-party property. Third-party property damage is limited to ₹7.5 lakh per accident or other legally prescribed limit, or the Policy Schedule amount if lower.","display":"Third-party death/bodily injury and property damage; property damage limited to ₹7.5 lakh per accident or lower schedule/legal limit","note":null,"quote":"Death of or bodily injury: Death of or bodily injury to any Third Party, including the occupants of Insured Vehicle (other than those carried for hire or reward). ... Property Damage: Damage to property other than property belonging to You or property held in trust by You or in Your custody or control. ... Our liability for third-party property damage is limited to ₹7.5 lakh per accident or other legally prescribed limit, or the amount shown in the Policy Schedule if lower.","sources":[{"clause":"Section II","heading":"LIABILITY TO THIRD PARTIES","page":9,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-drivecam-car-policy-irdan157rpmt0017v01202627/document/1511#c-section-ii"},{"clause":"Section II(b)(i)","heading":"Limit of Liability","page":9,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-drivecam-car-policy-irdan157rpmt0017v01202627/document/1511#c-section-ii-b-i"}],"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":"IDV is the own-damage sum insured and the maximum amount payable if the insured vehicle is total loss, constructive total loss or stolen. It is based on the vehicle’s current selling price reduced by depreciation, and for vehicles over 5 years old or discontinued models it is agreed between the insurer and insured based on market value.","display":"IDV is the Own Damage sum insured and maximum payable for Total Loss/CTL or theft; based on current selling price less depreciation, or agreed market value for over 5 years/discontinued models","note":null,"quote":"Insured’s Declared Value (IDV) is the sum insured against Own Damage loss for the Insured Vehicle and represents the maximum amount that We will pay if the Insured Vehicle is declared a Total Loss/Constructive Total Loss or there is theft of the Insured Vehicle, as fixed at the commencement of each Policy period and stated in the Policy Schedule. The IDV is based on the Insured Vehicle’s current selling price (including any factory-fitted accessories), reduced by a set percentage each year for depreciation ... For Insured Vehicles over 5 years old or discontinued models, the IDV will be agreed between You and Us, based on the market value.","sources":[{"clause":"9","heading":null,"page":3,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-drivecam-car-policy-irdan157rpmt0017v01202627/document/1511#c-9"}],"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":"Unless zero depreciation is opted, depreciation on parts is 50% for rubber, nylon, plastic parts, tyres/tubes, batteries and airbags; 50% on painting material cost; 30% for fibre glass components; nil for glass; and for other metal/wooden parts it ranges from nil up to 50% by vehicle age.","display":"Unless Zero Depreciation is opted: rubber/nylon/plastic/tyres/tubes/batteries/airbags 50%; painting 50% on material cost; fibre glass 30%; glass nil; other parts nil to 50% by vehicle age","note":null,"quote":"Applicable depreciation rate shall be applied on parts replaced or repaired as per the following general scale, unless You have opted Zero Depreciation Optional Cover and is stated in the Policy Schedule: ... Rubber, nylon, plastic parts, tyres and | 50% tubes, batteries, airbags ... Painting | 50 ... Fibre glass components | 30% ... Glass parts | Nil ... Other metallic parts | As per scale (See below) ... Not exceeding 6 months | Nil ... Over 10 years | 50% ... For painting claims, the rate of depreciation rate of 50% shall be applied only on the material cost of total painting charges.","sources":[{"clause":"2(b)(iii)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-drivecam-car-policy-irdan157rpmt0017v01202627/document/1511#c-2-b-iii"}],"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":"If no own-damage claim has been made or is pending, the renewal own-damage premium discount is 20% after 1 claim-free policy year, 25% after 2, 35% after 3, 45% after 4 and 50% after 5 consecutive claim-free policy years.","display":"20% after 1 year, 25% after 2, 35% after 3, 45% after 4, 50% after 5 claim-free policy years","note":"The NCB is lost if an Own Damage claim is made, except as provided under NCB Protect or another coverage option.","quote":"If no claim has been made or is pending under (A) (Section I) Own Damage of the Policy, then You will be entitled to a discount on the premium payable on the renewal of Your cover under (A) (Section I) Own Damage ... 1 Policy Year | 20% ... 2 consecutive Policy Years | 25% ... 3 consecutive Policy Years | 35% ... 4 consecutive Policy Years | 45% ... 5 consecutive Policy Years | 50%","sources":[{"clause":"2(b)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-drivecam-car-policy-irdan157rpmt0017v01202627/document/1511#c-2-b-2"}],"law":[]},{"key":"compulsory_deductible","label":"Compulsory deductible","section":"Limits and co-pay","meaning":"Fixed amount you pay on every own-damage claim.","status":"quote-verified","value":"This policy does not impose any mandatory deductible; only voluntary deductibles apply if selected and stated in the Policy Schedule.","display":"No mandatory deductible; only voluntary deductibles if selected","note":null,"quote":"This Policy does not impose any mandatory deductible. Only voluntary deductibles, if selected by You, will apply and shall be as stated in Your Policy Schedule.","sources":[{"clause":"2(b)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-drivecam-car-policy-irdan157rpmt0017v01202627/document/1511#c-2-b-2"}],"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":"Voluntary deductible is an optional cover. If opted, you bear repair or replacement costs up to the limit in the Policy Schedule for each loss or damage to the insured vehicle, including total loss or constructive total loss.","display":"Optional; up to the Policy Schedule limit for each and every loss","note":null,"quote":"You may choose to add one or more of the following Optional Covers by paying an additional premium. ... If You have opted for this Optional Cover as stated in the Policy Schedule, then You agree to bear the costs incurred on the repair or replacement of the Insured Vehicle and/or its accessories under (A) (Section I) Own Damage of the Policy up to the limit specified in the Policy Schedule in respect of each and every loss of or damage to the Insured Vehicle (including loss or damage resulting in Total Loss/Constructive Total Loss).","sources":[{"clause":"B","heading":"OPTIONAL COVERS","page":10,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-drivecam-car-policy-irdan157rpmt0017v01202627/document/1511#c-b"},{"clause":"15(a)","heading":null,"page":19,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-drivecam-car-policy-irdan157rpmt0017v01202627/document/1511#c-15-a"}],"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":"If the insured person has an accident involving the insured vehicle resulting in death or permanent disability, compensation is paid as per the percentage table and the sum insured in the Policy Schedule. Death, loss of two limbs or sight of two eyes or one limb and one eye, and permanent total disablement pay 100%; loss of one limb or sight of one eye pays 50%.","display":"Owner-driver PA if applicable: 100% of sum insured for death, loss of two limbs/two eyes/one limb and one eye, or permanent total disablement; 50% for loss of one limb or one eye","note":"Payment requires the insured to be the registered owner and hold a valid and effective driving license at the time of the accident.","quote":"If the insured person meets with an accident involving the insured vehicle that results in death or permanent disability, we will pay compensation in accordance with the below table and as per the sum insured specified in the policy schedule ... (i) Death | 100% ... (ii) Loss of two limbs or sight of two eyes, or | 100% one limb and sight of one eye ... (iii) Loss of one limb or sight of one eye | 50% ... (iv) Permanent total disablement from injuries | 100%","sources":[{"clause":"1","heading":"What Is Covered","page":10,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-drivecam-car-policy-irdan157rpmt0017v01202627/document/1511#c-1-3"}],"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 – Flood","FASTag Linked Cover","Invoice Cover","Key Protect","Loss of License/RC","NCB Protect","Outstation Emergency Cover","Personal Belongings- Damage due to Accident","Personal Belongings – Loss due to Theft","Loss of Electronic Equipment","Zero Depreciation","Roadside Assistance","Small Repair Claim","Tyre Protect","Voluntary Deductible","Preventive Risk Management Benefit"],"display":"Engine Protect – Flood, FASTag Linked Cover, Invoice Cover, Key Protect, Loss of License/RC, NCB Protect, Outstation Emergency Cover, Personal Belongings covers, Loss of Electronic Equipment, Zero Depreciation, Roadside Assistance, Small Repair Claim, Tyre Protect, Voluntary Deductible, Preventive Risk Management Benefit","note":null,"quote":"You may choose to add one or more of the following Optional Covers by paying an additional premium. ... Engine Protect – Flood ... FASTag Linked Cover ... Invoice Cover ... Key Protect ... Loss of License/RC ... NCB Protect ... Outstation Emergency Cover ... Personal Belongings- Damage due to Accident ... Personal Belongings – Loss due to Theft ... Loss of Electronic Equipment ... Zero Depreciation ... Roadside Assistance ... Small Repair Claim ... Tyre Protect ... Voluntary Deductible ... Preventive Risk Management Benefit","sources":[{"clause":"B","heading":"OPTIONAL COVERS","page":10,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-drivecam-car-policy-irdan157rpmt0017v01202627/document/1511#c-b"},{"clause":"1","heading":"Engine Protect – Flood","page":10,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-drivecam-car-policy-irdan157rpmt0017v01202627/document/1511#c-1-4"},{"clause":"2","heading":"FASTag Linked Cover","page":11,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-drivecam-car-policy-irdan157rpmt0017v01202627/document/1511#c-2-4"},{"clause":"3","heading":"Invoice Cover","page":12,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-drivecam-car-policy-irdan157rpmt0017v01202627/document/1511#c-3-4"},{"clause":"4","heading":"Key Protect","page":12,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-drivecam-car-policy-irdan157rpmt0017v01202627/document/1511#c-4-3"},{"clause":"5","heading":"Loss of License/RC","page":13,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-drivecam-car-policy-irdan157rpmt0017v01202627/document/1511#c-5-3"},{"clause":"6","heading":"NCB Protect","page":13,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-drivecam-car-policy-irdan157rpmt0017v01202627/document/1511#c-6-3"},{"clause":"7","heading":"Outstation Emergency Cover","page":13,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-drivecam-car-policy-irdan157rpmt0017v01202627/document/1511#c-7-2"},{"clause":"8","heading":"Personal Belongings- Damage due to Accident","page":13,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-drivecam-car-policy-irdan157rpmt0017v01202627/document/1511#c-8-2"},{"clause":"9","heading":"Personal Belongings – Loss due to Theft","page":14,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-drivecam-car-policy-irdan157rpmt0017v01202627/document/1511#c-9-2"},{"clause":"10","heading":"Loss of Electronic Equipment","page":14,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-drivecam-car-policy-irdan157rpmt0017v01202627/document/1511#c-10-2"},{"clause":"11","heading":"Zero Depreciation","page":15,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-drivecam-car-policy-irdan157rpmt0017v01202627/document/1511#c-11-2"},{"clause":"12","heading":"Roadside Assistance","page":16,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-drivecam-car-policy-irdan157rpmt0017v01202627/document/1511#c-12-2"},{"clause":"13","heading":"Small Repair Claim","page":17,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-drivecam-car-policy-irdan157rpmt0017v01202627/document/1511#c-13-2"},{"clause":"14","heading":"Tyre Protect","page":18,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-drivecam-car-policy-irdan157rpmt0017v01202627/document/1511#c-14-2"},{"clause":"15","heading":"Voluntary Deductible","page":19,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-drivecam-car-policy-irdan157rpmt0017v01202627/document/1511#c-15-2"},{"clause":"16","heading":"Preventive Risk Management Benefit","page":19,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-drivecam-car-policy-irdan157rpmt0017v01202627/document/1511#c-16-2"}],"law":[]},{"key":"cashless_garages","label":"Cashless garages","section":"Claims","meaning":"Whether repairs can be cashless at network garages.","status":"quote-verified","value":"The policy has a claim procedure for cashless and reimbursement claims, but it does not specify a network-garage list or cashless garage conditions in the extracted wording.","display":"Cashless and reimbursement claim procedure available; network garages not specified","note":"The policy wording heading states cashless and reimbursement claims, but the clauses provided do not list network garages.","quote":"7 Claim Procedure and Documentation for cashless and reimbursement of claim","sources":[{"clause":"7","heading":"Claim Procedure and Documentation for cashless and reimbursement of claim","page":26,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-drivecam-car-policy-irdan157rpmt0017v01202627/document/1511#c-7-4"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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 sum insured basis for own damage is IDV. IDV is fixed at the start of each policy period, represents the maximum payable for total loss, constructive total loss or theft, is based on current selling price less depreciation, and is agreed based on market value for vehicles over 5 years old or discontinued models.","display":"IDV basis: current selling price less depreciation; over 5 years/discontinued models agreed on market value; maximum payable for TL/CTL/theft","note":null,"quote":"Insured’s Declared Value (IDV) is the sum insured against Own Damage loss for the Insured Vehicle and represents the maximum amount that We will pay if the Insured Vehicle is declared a Total Loss/Constructive Total Loss or there is theft of the Insured Vehicle, as fixed at the commencement of each Policy period and stated in the Policy Schedule. The IDV is based on the Insured Vehicle’s current selling price (including any factory-fitted accessories), reduced by a set percentage each year for depreciation ... For Insured Vehicles over 5 years old or discontinued models, the IDV will be agreed between You and Us, based on the market value.","sources":[{"clause":"9","heading":null,"page":3,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-drivecam-car-policy-irdan157rpmt0017v01202627/document/1511#c-9"}],"law":[]}],"documents":[{"kind":"wording","label":"Policy Wordings - Acko Drivecam Car Policy.","pages":31,"fetched_at":"2026-10-17 19:32:29+00","source_url":"https://acko-cms.ackoassets.com/Policy_Wordings_Acko_Drivecam_Car_Policy_1ccad06eec.pdf","url":"https://indiainsurances.com/policy/acko-general-insurance/acko-drivecam-car-policy-irdan157rpmt0017v01202627/document/1511"},{"kind":"prospectus","label":"Prospectus - Acko Drivecam Car Policy.","pages":12,"fetched_at":"2026-10-17 19:33:02+00","source_url":"https://acko-cms.ackoassets.com/Prospectus_Acko_Drivecam_Car_Policy_fd2ae5eef7.pdf","url":"https://indiainsurances.com/policy/acko-general-insurance/acko-drivecam-car-policy-irdan157rpmt0017v01202627/document/1523"},{"kind":"cis","label":"CIS- Acko Drivecam Car Policy","pages":5,"fetched_at":"2026-10-17 19:32:34+00","source_url":"https://acko-cms.ackoassets.com/CIS_Acko_Drivecam_Car_Policy_75cee1a0be.pdf","url":"https://indiainsurances.com/policy/acko-general-insurance/acko-drivecam-car-policy-irdan157rpmt0017v01202627/document/1506"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Acko General Insurance official website","url":"https://www.acko.com/gi","note":"Buy directly from the insurer."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"insurer","name":"Car insurance claims","url":"https://www.acko.com/car-insurance/claims/","note":null},{"purpose":"claim","kind":"insurer","name":"Travel insurance claim process","url":"https://www.acko.com/travel-insurance/claim-process/","note":null},{"purpose":"claim","kind":"insurer","name":"Two-wheeler insurance claims","url":"https://www.acko.com/two-wheeler-insurance/claims/","note":null},{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"renew","kind":"insurer","name":"Health insurance renewal","url":"https://www.acko.com/health-insurance/renewal/","note":null}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"Acko Drivecam Car Policy (UIN IRDAN157RPMT0017V01202627), IndiaInsurances, https://indiainsurances.com/policy/acko-general-insurance/acko-drivecam-car-policy-irdan157rpmt0017v01202627"}