{"uin":"IRDAN158RP0003V01201718","name":"Digit Two-Wheeler Liability Only Policy","url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-liability-only-policy-irdan158rp0003v01201718","insurer":{"slug":"go-digit-general-insurance","name":"Go Digit General Insurance Limited","url":"https://indiainsurances.com/insurer/go-digit-general-insurance"},"line":"general","category":"motor-two-wheeler","category_name":"Two-wheeler insurance","irdai_type":"Main product","kind":"product","status":"active","approved_on":"2017-10-18","withdrawn_on":null,"summary":"Digit Two-Wheeler Liability Only Policy is a two-wheeler liability-only motor policy covering third-party liability anywhere in India and personal accident cover for the owner-driver up to 15 lakh. The policy period is 1 Year, with optional Breakdown Assistance, Accidental Hospitalization Cover and Daily Hospital Cash Cover add-ons.","analysis":{"state":"machine","analysed_at":"2026-10-19 18:19:24.031005+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":"quote-verified","value":["Basic Plan","Standard Plan","Comprehensive Plan","Platinum Plan"],"display":"Basic Plan, Standard Plan, Comprehensive Plan and Platinum Plan","note":"These plan variants are stated only for the Breakdown Assistance add-on cover.","quote":"There are 4 plans available under this add on cover. Coverage available under your policy will be as per Plan opted by You and mentioned in the Policy Schedule. Yes, means included; No, means excluded under the respective plans in table\nServices | Plans\nBasic Plan | Standard Plan | Comprehensive Plan | Platinum Plan","sources":[{"clause":"7","heading":null,"page":4,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-liability-only-policy-irdan158rp0003v01201718/document/438#c-7-2"}],"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":"One policy runs for 1 Year.","display":"1 Year","note":null,"quote":"We have provided policy period of 1 Year.","sources":[{"clause":null,"heading":"What are the Policy Period Options under this Policy?","page":4,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-liability-only-policy-irdan158rp0003v01201718/document/414#c-what-are-the-policy-period-options-under-this-po"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"Notice must be given in writing immediately upon any accident and claim, and claim-related letters or legal process must be forwarded immediately on receipt. For the optional hospitalisation add-on covers, intimation must be immediate and in any event within 48 hours of hospital admission.","display":"Immediately upon accident/claim; optional hospitalisation add-ons within 48 hours of admission","note":null,"quote":"Notice shall be given in writing to the Company immediately upon the occurrence of any accident and in the event of any claim. Every letter, claim, writ, summons and/or process or copy thereof shall be forwarded to the Company immediately on receipt by the insured. ... We should be intimated immediately and in any event within 48 hours of date of admission in hospital.","sources":[{"clause":null,"heading":"CONDITIONS","page":2,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-liability-only-policy-irdan158rp0003v01201718/document/413#c-conditions"},{"clause":"1","heading":null,"page":8,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-liability-only-policy-irdan158rp0003v01201718/document/438#c-1-7"}],"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":["FIR with the policy","charge sheet"],"display":"FIR with the policy and charge sheet","note":"The base liability claim section does not give a full claim-document checklist.","quote":"You need to file a FIR with the policy and obtaining a charge sheet for the occurrence,","sources":[{"clause":"6","heading":"The company shall not be liable in respect of any liability directly or indirectly caused","page":2,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-liability-only-policy-irdan158rp0003v01201718/document/406#c-6"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"quote-verified","value":"For base third-party claims, no fixed settlement time is promised because the turnaround time depends on MACT court hearings. Optional hospital add-on claims are to be settled or rejected within 30 days from receipt of the last necessary document, or within 45 days from receipt of the last necessary document where investigation is required.","display":"Base TP claims: depends on MACT hearings; optional hospital add-ons: 30 days, or 45 days with investigation, from last necessary document","note":null,"quote":"Claim settlement TAT (Turnaround time) will be depending on the hearing of courts (MACT) ... The Company shall settle or reject a claim, as the case may be, within 30 days from the date of receipt of last necessary document. ... In such cases, the Company shall settle or reject the claim within 45 days from the date of receipt of last necessary document.","sources":[{"clause":"6","heading":"The company shall not be liable in respect of any liability directly or indirectly caused","page":2,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-liability-only-policy-irdan158rp0003v01201718/document/406#c-6"},{"clause":"3(a)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-liability-only-policy-irdan158rp0003v01201718/document/438#c-3-a"},{"clause":"3(c)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-liability-only-policy-irdan158rp0003v01201718/document/438#c-3-c"}],"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":["Intentional self-injury, suicide or attempted suicide, physical defect or infirmity","An accident happening whilst such person is under the influence of intoxicating liquor or drugs","being used otherwise than in accordance with the “Limitations as to Use”","being driven by or is for the purpose of being driven by him/her in the charge of any person other than a Driver as stated in the Driver's Clause","any contractual liability","death arising out of and in the course of employment","death or bodily injury to any person being carried in or upon or entering or mounting or alighting from the Motor Vehicle","War, Invasion, the Act of foreign enemies, hostilities or warlike operations","nuclear weapons material"],"display":"Use outside limitations, unauthorised driver, contractual liability, employment/passenger exclusions, war, nuclear weapons material, and PA exclusions for self-injury/suicide and intoxication","note":null,"quote":"No compensation shall be payable in respect of death or bodily injury directly or indirectly wholly or in part arising or resulting from or traceable to\na) Intentional self-injury, suicide or attempted suicide, physical defect or infirmity or\nb) An accident happening whilst such person is under the influence of intoxicating liquor or drugs. ... a) being used otherwise than in accordance with the “Limitations as to Use” or ... b) being driven by or is for the purpose of being driven by him/her in the charge of any person other than a Driver as stated in the Driver's Clause\n2. The Company shall not be liable in respect of any claim arising out of any contractual liability;\n3. Except so far as is necessary to meet the requirements of the Motor Vehicles Act, the Company shall not be liable in respect of death arising out of and in the course of employment ... 4. Except so far as is necessary to meet the requirements of the Motor Vehicles Act, the Company shall not be liable in respect of death or bodily injury to any person (other than a passenger carried by reason of or in pursuance of a contract of employment) being carried in or upon or entering or mounting or alighting from the Motor Vehicle ... War, Invasion, the Act of foreign enemies, hostilities or warlike operations ... The Company shall not be liable in respect of any liability directly or indirectly caused by or contributed to by or arising from nuclear weapons material.","sources":[{"clause":"2","heading":null,"page":2,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-liability-only-policy-irdan158rp0003v01201718/document/413#c-2-2"},{"clause":"3(I)(a)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-liability-only-policy-irdan158rp0003v01201718/document/413#c-3-i-a"},{"clause":"3(I)(b)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-liability-only-policy-irdan158rp0003v01201718/document/413#c-3-i-b"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"First complain by calling the 24X7 toll free number 1800 300 34448 or emailing hello@godigit.com. If not satisfied with that redressal, contact the grievance officer at grievance@godigit.com before approaching the Insurance Ombudsman.","display":"Call 1800 300 34448 or email hello@godigit.com; then grievance@godigit.com; then Insurance Ombudsman","note":null,"quote":"if you are not satisfied with our services and wish to lodge a complaint, please feel free to call our 24X7 Toll free number 1800 300 34448 or you may email to the customer service desk at hello@godigit.com. ... If Insured person is not satisfied with the redressal of grievance through one of the above methods, insured person may contact the grievance officer at grievance@godigit.com ... If you do not get a satisfactory response from us and you wish to pursue other avenues for redressal of grievances, you may approach Insurance Ombudsman","sources":[{"clause":"3(I)(c)","heading":"Cancellation by Insurer","page":3,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-liability-only-policy-irdan158rp0003v01201718/document/413#c-3-i-c-2"}],"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 caused by or arising out of the use of the motor vehicle anywhere in India causing death of or bodily injury to any person","damage to property other than property belonging to the insured or held in trust or in the custody or control of the insured","bodily injury/death sustained by the owner-driver of the vehicle in direct connection with the vehicle insured"],"display":"Third-party death/bodily injury, third-party property damage, and owner-driver personal accident","note":null,"quote":"the Company will indemnify the insured in the event of an accident caused by or arising out of the use of the motor vehicle anywhere in India against all sums including claimant’s costs and expenses which the insured shall become legally liable to pay in respect of:\na) Death of or bodily injury to any person ... b) Damage to property other than property belonging to the insured or held in trust or in the custody or control of the insured ... the Company undertakes to pay compensation as per the following scale for bodily injury/death sustained by the owner-driver of the vehicle, in direct connection with the vehicle insured","sources":[{"clause":"1","heading":null,"page":1,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-liability-only-policy-irdan158rp0003v01201718/document/413#c-1"},{"clause":"II","heading":"PERSONAL ACCIDENT COVER FOR OWNER-DRIVER","page":1,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-liability-only-policy-irdan158rp0003v01201718/document/413#c-ii"}],"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":"Statutory motor third-party liability insurance or other compulsory insurance cannot be cancelled except for double insurance or total loss, and only after the vehicle is insured elsewhere at least for liability-only cover and the original certificate is surrendered. If the insured cancels during the term, the insurer refunds proportionate premium for the unexpired period if the policy term is up to one year and no claims were made.","display":"Proportionate premium for unexpired period if term is up to one year and no claims; TP/compulsory cover cancellable only for double insurance or total loss with alternate liability-only cover","note":null,"quote":"Under no circumstances statutory Motor Third Party Liability insurance or any other compulsory insurance mandated by law can be cancelled, except in case of double insurance or total loss. A policy can be cancelled only after ensuring that the vehicle is insured elsewhere, at least for Liability Only cover and after surrender of the original Certificate of Insurance for cancellation. ... Cancellation by Insured: Policy may be cancelled at the option of the insured at any time during the term, by informing Us. In such a case we shall —\ni) refund proportion premium for unexpired policy period, if the term of the policy is upto one year and there is no claim(s) made during the policy period.","sources":[{"clause":"3(I)(a)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-liability-only-policy-irdan158rp0003v01201718/document/413#c-3-i-a-3"},{"clause":"3(I)(b)","heading":"Cancellation by Insured","page":3,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-liability-only-policy-irdan158rp0003v01201718/document/413#c-3-i-b-3"}],"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":"The third-party liability cover applies to accidents caused by or arising out of the use of the motor vehicle anywhere in India.","display":"Anywhere in India","note":null,"quote":"the Company will indemnify the insured in the event of an accident caused by or arising out of the use of the motor vehicle anywhere in India","sources":[{"clause":"1","heading":null,"page":1,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-liability-only-policy-irdan158rp0003v01201718/document/413#c-1"}],"law":[]},{"key":"cover_types","label":"Cover types","section":"Cover","meaning":"Comprehensive, standalone own damage, third-party only.","status":"quote-verified","value":["Liability Only"],"display":"Liability Only","note":"This is a third-party liability-only two-wheeler policy, not a comprehensive or standalone own-damage policy.","quote":"DIGIT TWO-WHEELER LIABILITY ONLY POLICY- POLICY WORDING UIN: IRDAN158RP0003V01201718","sources":[{"clause":null,"heading":"DIGIT TWO-WHEELER LIABILITY ONLY POLICY- POLICY WORDING UIN: IRDAN158RP0003V01201718","page":1,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-liability-only-policy-irdan158rp0003v01201718/document/413#c-digit-two-wheeler-liability-only-policy-policy-w"}],"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 legal liability for death or bodily injury to any person as required by the Motor Vehicles Act and for damage to third-party property up to the schedule limit. The CIS states third-party death or bodily injury has No Limit.","display":"Death/bodily injury: No Limit; property damage: up to schedule limit","note":null,"quote":"For Third Party Property Damage- Upto INR ____ • For Third Party Death / bodily injury – No Limit ... Death of or bodily injury to any person so far as it is necessary to meet the requirements of the Motor Vehicles Act.\nb) Damage to property other than property belonging to the insured or held in trust or in the custody or control of the insured up to the limit specified in the schedule.","sources":[{"clause":"Row 5","heading":"Sum Insured / Motor Insured Declared Value Scope","page":1,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-liability-only-policy-irdan158rp0003v01201718/document/406#c-row-5"},{"clause":"1","heading":null,"page":1,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-liability-only-policy-irdan158rp0003v01201718/document/413#c-1"}],"law":[{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch V, I, Paras 1 to 4","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch V, I, Para 7","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 146","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 147","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 150","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 157","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 164","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 161","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 166(3)","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 162","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"idv","label":"Insured declared value (IDV)","section":"Cover","meaning":"The vehicle's insured value: maximum paid for theft or total loss.","status":"not-applicable","value":null,"display":null,"note":"This is a liability-only policy and does not provide own-damage theft or total-loss cover where IDV would be used.","quote":null,"sources":[],"law":[]},{"key":"depreciation","label":"Depreciation on parts","section":"Limits and co-pay","meaning":"How much of the cost of replaced parts you bear because of age (unless you have zero depreciation).","status":"not-applicable","value":null,"display":null,"note":"Depreciation on replaced parts applies to own-damage repair claims, but this product is a liability-only policy.","quote":null,"sources":[],"law":[]},{"key":"ncb","label":"No-claim bonus","section":"Cover","meaning":"Discount on own-damage premium for claim-free years (20% to 50%).","status":"not-applicable","value":null,"display":null,"note":"No-claim bonus is a discount on own-damage premium, but this product is a liability-only policy.","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":"quote-verified","value":"Deductible or loss participation is stated as not applicable.","display":"Not Aplicable","note":null,"quote":"8 | Loss Participation | Not Aplicable | Deductible","sources":[{"clause":"Row 3","heading":"Digit Two-Wheeler Liability Only - Daily Hospital Cash Cover","page":1,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-liability-only-policy-irdan158rp0003v01201718/document/406#c-row-3-2"}],"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":"Deductible or loss participation is stated as not applicable.","display":"Not Aplicable","note":null,"quote":"8 | Loss Participation | Not Aplicable | Deductible","sources":[{"clause":"Row 3","heading":"Digit Two-Wheeler Liability Only - Daily Hospital Cash Cover","page":1,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-liability-only-policy-irdan158rp0003v01201718/document/406#c-row-3-2"}],"law":[]},{"key":"pa_owner_driver","label":"Personal accident cover for owner-driver","section":"Cover","meaning":"Compulsory PA cover for the owner-driver.","status":"quote-verified","value":"Owner-driver personal accident cover pays 100% for death, loss of two limbs or sight of two eyes or one limb and sight of one eye, and permanent total disablement, and 50% for loss of one limb or sight of one eye. Total liability must not exceed 15 lakh during any one period of insurance, and the owner-driver must be the registered owner, the insured named in the policy, and hold an effective driving licence.","display":"Up to 15 lakh; 100% for death/PTD or specified severe losses, 50% for loss of one limb or one eye","note":"The CIS describes Personal Accident Cover for Owner-Driver as if opted.","quote":"Nature of Injury | Scale of compensation\ni) Death | 100%\nii) Loss of two limbs or sight of two eyes or one limb and sight of one eye | 100%\niii) Loss of one limb or sight of one eye | 50%\niv) Permanent total disablement from injuries other than named above | 100% ... the total liability of the insurer shall not in the aggregate exceed the sum of 15 lakh during any one period of insurance. ... The owner-driver is the registered owner of the vehicle insured herein;\nii. The owner-driver is the insured named in this policy.\niii. The owner-driver holds an effective driving license","sources":[{"clause":"II","heading":"PERSONAL ACCIDENT COVER FOR OWNER-DRIVER","page":1,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-liability-only-policy-irdan158rp0003v01201718/document/413#c-ii"},{"clause":"1","heading":null,"page":2,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-liability-only-policy-irdan158rp0003v01201718/document/413#c-1-2"},{"clause":"3(I)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-liability-only-policy-irdan158rp0003v01201718/document/413#c-3-i"}],"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":["Digit Two-Wheeler Liability only – Breakdown Assistance","Digit Two-Wheeler Liability only – Accidental Hospitalization Cover","Digit Two-Wheeler Liability only – Daily Hospital Cash Cover"],"display":"Breakdown Assistance; Accidental Hospitalization Cover; Daily Hospital Cash Cover","note":null,"quote":"LIST OF TWO-WHEELER LIABILITY ONLY POLICY ADD-ON COVERS: ... 1 | Digit Two-Wheeler Liability only – Breakdown Assistance | IRDAN158RP0003V01201718/A0024V01202425 ... 2 | Digit Two-Wheeler Liability only – Accidental Hospitalization Cover | IRDAN158RP0003V01201718/A0025V01202425 ... 3 | Digit Two-Wheeler Liability only – Daily Hospital Cash Cover | IRDAN158RP0003V01201718/A0026V01202425","sources":[{"clause":null,"heading":"WORDINGS","page":1,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-liability-only-policy-irdan158rp0003v01201718/document/438#c-wordings"},{"clause":"Row 1","heading":"Digit Two-Wheeler Liability only – Breakdown Assistance","page":1,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-liability-only-policy-irdan158rp0003v01201718/document/438#c-row-1"},{"clause":"Row 2","heading":"Digit Two-Wheeler Liability only – Accidental Hospitalization Cover","page":1,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-liability-only-policy-irdan158rp0003v01201718/document/438#c-row-2"},{"clause":"Row 3","heading":"Digit Two-Wheeler Liability only – Daily Hospital Cash Cover","page":1,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-liability-only-policy-irdan158rp0003v01201718/document/438#c-row-3"}],"law":[]},{"key":"cashless_garages","label":"Cashless garages","section":"Claims","meaning":"Whether repairs can be cashless at network garages.","status":"not-applicable","value":null,"display":null,"note":"Cashless garage repairs apply to own-damage repair claims, but this product is a liability-only policy.","quote":null,"sources":[],"law":[]},{"key":"motor_exclusions","label":"Main motor exclusions","section":"Exclusions","meaning":"No valid licence, drunk driving, use outside the permitted purpose, wear and tear...","status":"quote-verified","value":["being used otherwise than in accordance with the “Limitations as to Use”","being driven by or is for the purpose of being driven by him/her in the charge of any person other than a Driver as stated in the Driver's Clause","any contractual liability","Due to drunk driving","Driving without a valid driving license","If a claim is in any respect fraudulent, or if any false declaration is made or used in support thereof, or if any fraudulent means","War, Invasion, the Act of foreign enemies, hostilities or warlike operations","nuclear weapons material"],"display":"Use outside limitations, unauthorised driver, contractual liability, drunk driving, no valid driving licence, fraud, war and nuclear weapons material","note":null,"quote":"a) being used otherwise than in accordance with the “Limitations as to Use” or ... b) being driven by or is for the purpose of being driven by him/her in the charge of any person other than a Driver as stated in the Driver's Clause\n2. The Company shall not be liable in respect of any claim arising out of any contractual liability; ... War, Invasion, the Act of foreign enemies, hostilities or warlike operations ... nuclear weapons material. ... Situations where your Vehicle Insurance Claim might get Rejected • Claim filed too late • Violating Traffic Rules • Due to drunk driving • Driving without a valid driving license • If a claim is in any respect fraudulent, or if any false declaration is made or used in support thereof, or if any fraudulent means.","sources":[{"clause":"3(I)(a)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-liability-only-policy-irdan158rp0003v01201718/document/413#c-3-i-a"},{"clause":"3(I)(b)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-liability-only-policy-irdan158rp0003v01201718/document/413#c-3-i-b"},{"clause":"6","heading":"The company shall not be liable in respect of any liability directly or indirectly caused","page":2,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-liability-only-policy-irdan158rp0003v01201718/document/406#c-6"}],"law":[]},{"key":"sum_insured_basis","label":"Sum insured basis","section":"Cover","meaning":"How the cover amount is set: market value, reinstatement value, agreed value, IDV.","status":"quote-verified","value":"The cover is not based on IDV or market value. Third-party liability is subject to the limits in the schedule, with No Limit for third-party death or bodily injury and third-party property damage up to the schedule amount.","display":"Third-party liability limits: death/bodily injury No Limit; property damage up to schedule limit","note":null,"quote":"For I. Liability to Third Parties • For Third Party Property Damage- Upto INR ____ • For Third Party Death / bodily injury – No Limit ... Subject to the limits of liability as laid down in the Schedule hereto the Company will indemnify the insured","sources":[{"clause":"Row 5","heading":"Sum Insured / Motor Insured Declared Value Scope","page":1,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-liability-only-policy-irdan158rp0003v01201718/document/406#c-row-5"},{"clause":"1","heading":null,"page":1,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-liability-only-policy-irdan158rp0003v01201718/document/413#c-1"}],"law":[]}],"documents":[{"kind":"wording","label":"Policy Wording - Digit Two-Wheeler Liability Only Policy - IRDAN158RP0003V01201718","pages":5,"fetched_at":"2026-10-17 19:34:11+00","source_url":"https://www.godigit.com/content/dam/godigit/directportal/en/downloads/bike/policy-wording-digit-two-wheeler-liability-only-policy.pdf","url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-liability-only-policy-irdan158rp0003v01201718/document/413"},{"kind":"wording","label":"Digit Two-Wheeler Liability Only Policy – Add-On Covers - IRDAN158RP0003V01201718","pages":13,"fetched_at":"2026-10-17 19:34:53+00","source_url":"https://www.godigit.com/content/dam/godigit/directportal/en/downloads/bike/policy-wordings-digit-two-wheeler-liability-only-policy-add-on-covers.pdf","url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-liability-only-policy-irdan158rp0003v01201718/document/438"},{"kind":"wording","label":"Digit Two-Wheeler Liability Only Policy (IRDAI copy)","pages":5,"fetched_at":"2026-10-20 01:16:05+00","source_url":"https://irdai.gov.in/documents/37343/993134/260_GEN1374.pdf/f8a227b3-53fa-087e-0fab-cef77adf8cec?version=1.1&t=1668237233949&download=true","url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-liability-only-policy-irdan158rp0003v01201718/document/26153"},{"kind":"prospectus","label":"Prospectus - Digit Two-Wheeler Liability Only Policy - IRDAN158RP0003V01201718","pages":20,"fetched_at":"2026-10-17 19:34:08+00","source_url":"https://www.godigit.com/content/dam/godigit/directportal/en/downloads/bike/prospectus-digit-two-wheeler-liability-only-policy.pdf","url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-liability-only-policy-irdan158rp0003v01201718/document/414"},{"kind":"cis","label":"CIS - Digit Two-Wheeler Liability Only Policy - IRDAN158RP0003V01201718","pages":3,"fetched_at":"2026-10-17 19:33:58+00","source_url":"https://www.godigit.com/content/dam/godigit/directportal/en/downloads/bike/cis-digit-two-wheeler-liability-only-policy.pdf","url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-liability-only-policy-irdan158rp0003v01201718/document/406"}],"versions":[{"uin":"IRDAN158P0003V01201718","version":null,"approved_on":null},{"uin":"IRDAN158RP0003V01201718","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Go Digit General Insurance official website","url":"https://www.godigit.com/","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":"Motor claims","url":"https://www.godigit.com/motor-claims","note":null},{"purpose":"claim","kind":"insurer","name":"Travel claims","url":"https://www.godigit.com/international-travel-insurance/file-a-claim","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":"insurer","name":"Grievance redressal procedure","url":"https://www.godigit.com/claim/grievance-redressal-procedure","note":null},{"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."}],"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":"Digit Two-Wheeler Liability Only Policy (UIN IRDAN158RP0003V01201718), IndiaInsurances, https://indiainsurances.com/policy/go-digit-general-insurance/digit-two-wheeler-liability-only-policy-irdan158rp0003v01201718"}