{"uin":"IRDAN159RP0003V02201920","name":"Two Wheeler Standalone Own Damage","url":"https://indiainsurances.com/policy/zuno-general-insurance/two-wheeler-standalone-own-damage-irdan159rp0003v02201920","insurer":{"slug":"zuno-general-insurance","name":"Zuno General Insurance Ltd","url":"https://indiainsurances.com/insurer/zuno-general-insurance"},"line":"general","category":"motor-two-wheeler","category_name":"Two-wheeler insurance","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Zuno Two Wheeler Stand-Alone Own Damage Insurance covers loss or damage to a two-wheeler by listed perils such as fire, theft, riot, earthquake, flood, accident, malicious act, terrorist activity, transit and landslide/rockslide. The sum insured is the IDV, NCB can reach 50%, and add-ons include Depreciation Protect, Invoice Value Protect, Pillion Protect, Consumable Expenses Protect, Emergency Medical Expenses Protect, Additional Third Party Property Damage Protect and Road Side Assistance.","analysis":{"state":"machine","analysed_at":"2026-10-20 06:34:20.723197+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":"The wording names the product and add-ons/endorsements but no named plan variants.","quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"not-stated","value":null,"display":null,"note":"The wording refers to the Period of Insurance and policy period, but does not print a fixed duration.","quote":null,"sources":[],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"Notice must be given in writing immediately upon any accidental loss or damage and immediate notice must also be given to the Police for theft or other criminal act.","display":"Immediately, in writing; theft/criminal act also immediate notice to Police","note":null,"quote":"Notice shall be given, in writing, to the Company immediately upon the occurrence of any accidental loss or damage and in the event of any claim and thereafter, the Insured shall give all such information and assistance as the Company shall require. ... In case of theft or other criminal act, which may be the subject of a claim under this Policy, the Insured shall give immediate notice to the Police and co-operate with the Company in securing the conviction of the offender.","sources":[{"clause":"4(b)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/zuno-general-insurance/two-wheeler-standalone-own-damage-irdan159rp0003v02201920/document/17973#c-4-b"}],"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":["detailed estimate of the cost of repairs","Every letter, claim, writ, summons and/or process or copy there of","all such information and assistance as the Company shall require"],"display":"Detailed repair estimate; letters/claim/writ/summons/process copies; information and assistance required by the Company","note":"No fixed claim-form checklist for base own-damage claims is printed.","quote":"ii) The Company is furnished forthwith a detailed estimate of the cost of repairs; ... Every letter, claim, writ, summons and/or process or copy there of shall be forwarded to the Company, immediately on receipt, by the Insured. ... the Insured shall give all such information and assistance as the Company shall require.","sources":[{"clause":"4(ii)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/zuno-general-insurance/two-wheeler-standalone-own-damage-irdan159rp0003v02201920/document/17973#c-4-ii"},{"clause":"4(b)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/zuno-general-insurance/two-wheeler-standalone-own-damage-irdan159rp0003v02201920/document/17973#c-4-b"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Consequential loss, depreciation, wear and tear, mechanical and electrical breakdown","Damage to Tyres and Tubes, unless the Vehicle insured is damaged at the same time","under the influence of intoxicating liquor or drugs","outside the Geographical Area indicated in the Schedule","Any Claim arising out of any Contractual Liability","Being used otherwise than in accordance with the Limitations as to Use","Being driven by or is for the purpose of being driven by him/her in the charge of any person other than a Driver","ionising radiation or contamination by radioactivity","nuclear weapons material","War, Invasion, acts of foreign enemies, hostilities or war-like operations"],"display":"Consequential loss/wear and tear/breakdown, tyres unless vehicle also damaged, intoxication, outside geographical area, contractual liability, use outside limitations, unpermitted driver, radiation, nuclear weapons material, war and related events","note":null,"quote":"2. The Company shall not be liable to make any payment in respect of: (a) Consequential loss, depreciation, wear and tear, mechanical and electrical breakdown, fai (b) Damage to Tyres and Tubes, unless the Vehicle insured is damaged at the same time, in shall be limited to 50% of the cost of replacement; ... And (d) Any accidental loss or damage suffered, whilst the Insured or any person, driving (the veh the Insured, is under the influence of intoxicating liquor or drugs. ... 2. Any accidental loss damage caused sustained or incurred outside the Geographical Area indicated in the Schedule.\n3. Any Claim arising out of any Contractual Liability.\n4. Any accidental loss damage caused sustained or incurred whilst the Vehicle insured herein is: ... 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.\n5. a) Any accidental loss or damage to any property whatsoever or any loss or expense whatsoever resulting or arising therefrom or any consequential loss\nb) Any liability of whatsoever nature directly or indirectly caused by or contributed to by or arising from ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel. ... 6. Any accidental loss or damage or liability directly or indirectly caused by or contributed to by or arising from nuclear weapons material.\n7. Any accidental loss damage and/or liability directly or indirectly or proximately or remotely occasioned by, or contributed by or traceable to or arising out of or in connection with War, Invasion, acts of foreign enemies, hostilities or war-like operations","sources":[{"clause":"1(d)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/zuno-general-insurance/two-wheeler-standalone-own-damage-irdan159rp0003v02201920/document/17973#c-1-d"},{"clause":"4(iii)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/zuno-general-insurance/two-wheeler-standalone-own-damage-irdan159rp0003v02201920/document/17973#c-4-iii"},{"clause":"4(a)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/zuno-general-insurance/two-wheeler-standalone-own-damage-irdan159rp0003v02201920/document/17973#c-4-a"},{"clause":"4(b)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/zuno-general-insurance/two-wheeler-standalone-own-damage-irdan159rp0003v02201920/document/17973#c-4-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":"Complaints are first made to support@hizuno.com or 1800 12000, then the Grievance Cell at grievance@hizuno.com, then the Company’s Grievance Redressal Officer at grievanceofficer@hizuno.com before IRDAI and the Insurance Ombudsman.","display":"Step 1: 1800 12000/support@hizuno.com; Step 2: grievance@hizuno.com; Step 3: grievanceofficer@hizuno.com; company responds within 14 days","note":null,"quote":"Any grievance of the Complainant sent in a written communication to the Company, at any of the touch points as mentioned, shall be addressed within 14 days of the receipt of the complaint.\nEscalation Matrix:\nStep 1 Call: 1800 12000 Email: support@hizuno.com\nStep 2 If the response is not as per Complainant’s expectations, he/she may contact the Grievance Cell at the below touchpoints:\n• Email: grievance@hizuno.com ... Step 3 If the response is not as per Complainant’s expectations, he/she may contact the Company’s Grievance Redressal Officer at:\n• Email: grievanceofficer@hizuno.com","sources":[{"clause":"10(c)","heading":"War/ Riot/ Terrorism","page":15,"url":"https://indiainsurances.com/policy/zuno-general-insurance/two-wheeler-standalone-own-damage-irdan159rp0003v02201920/document/17973#c-10-c-5"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"perils","label":"What is covered","section":"Cover","meaning":"The events or risks covered.","status":"quote-verified","value":["fire, explosion, self-ignition, or lightning","burglary, housebreaking, or theft","Riot and Strike","Earthquake (Fire and Shock Damage)","Flood, Typhoon, Hurricane, Storm, Tempest, Inundation, Cyclone, Hailstorm, or frost","accidental external means","malicious act","terrorist activity","whilst in transit by road, rail, inland waterway, lift, elevator, or air","Landslide/Rockslide"],"display":"Fire/explosion/self-ignition/lightning, burglary/housebreaking/theft, riot and strike, earthquake, flood and storms, accidental external means, malicious act, terrorist activity, transit, landslide/rockslide","note":null,"quote":"The Company will indemnify the insured against loss or damage to the vehicle insured hereunder and/or its accessories whilst thereon A. by fire, explosion, self-ignition, or lightning; B. by burglary, housebreaking, or theft; C. by Riot and Strike D. by Earthquake (Fire and Shock Damage) E. by Flood, Typhoon, Hurricane, Storm, Tempest, Inundation, Cyclone, Hailstorm, or frost F. by accidental external means G. by malicious act H. by terrorist activity\nI. whilst in transit by road, rail, inland waterway, lift, elevator, or air J. by Landslide/Rockslide","sources":[{"clause":"1","heading":null,"page":2,"url":"https://indiainsurances.com/policy/zuno-general-insurance/two-wheeler-standalone-own-damage-irdan159rp0003v02201920/document/17973#c-1"}],"law":[]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"The insured may cancel by seven days’ notice if no claim has arisen; refund is premium paid less premium at the Company’s Short Period rates for the period in force, subject to minimum premium retention of Rs 100 or Rs 25 for vehicles specifically designed/modified for blind, handicapped or mentally challenged persons.","display":"7 days’ notice; if no claim, return of premium less Company’s Short Period rates, subject to minimum premium Rs 100 (Rs 25 for specified modified vehicles)","note":null,"quote":"the policy may be cancelled at any time by the insured on seven days’ notice by recorded delivery to the insurer and provided no claim has arisen during the currency of the policy; the insured shall be entitled to a return of premium less premium at the Company’s Short Period rates as per the table below, for the period the Policy has been in force. Return of the premium by the Company will be subject to retention of the minimum premium of Rs 100/- (or Rs 25/- in respect of vehicles specifically designed/modified for use by blind/ handicapped/ mentally challenged persons).","sources":[{"clause":"4(b)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/zuno-general-insurance/two-wheeler-standalone-own-damage-irdan159rp0003v02201920/document/17973#c-4-b-2"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"not-stated","value":null,"display":null,"note":"The base policy only refers to the Geographical Area indicated in the Schedule; the Schedule is not provided.","quote":null,"sources":[],"law":[]},{"key":"cover_types","label":"Cover types","section":"Cover","meaning":"Comprehensive, standalone own damage, third-party only.","status":"quote-verified","value":["standalone own damage"],"display":"Standalone own damage","note":null,"quote":"Zuno Two Wheeler Stand-Alone Own Damage Insurance Policy wording ... LOSS OF OR DAMAGE TO THE VEHICLE INSURED","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/zuno-general-insurance/two-wheeler-standalone-own-damage-irdan159rp0003v02201920/document/17973#c-s1"},{"clause":"Section I","heading":null,"page":2,"url":"https://indiainsurances.com/policy/zuno-general-insurance/two-wheeler-standalone-own-damage-irdan159rp0003v02201920/document/17973#c-section-i"}],"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":"Third-party death or bodily injury liability required under the Motor Vehicles Act is not covered by this standalone own-damage wording.","display":"Not covered for Motor Vehicles Act death or bodily injury liability","note":"Additional Third Party Property Damage Protect appears separately as an add-on.","quote":"Zuno Two Wheeler Stand-Alone Own Damage Insurance Policy wording ... GENERAL EXCEPTIONS (Applicable to all Sections of the Policy) The Company shall not be liable in respect of:\n1. All sums which the insured shall become legally liable to pay in respect of death of or bodily injury to any person so far as it is necessary to meet the requirements of the Motor Vehicles Act.","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/zuno-general-insurance/two-wheeler-standalone-own-damage-irdan159rp0003v02201920/document/17973#c-s1"},{"clause":"4(iii)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/zuno-general-insurance/two-wheeler-standalone-own-damage-irdan159rp0003v02201920/document/17973#c-4-iii"}],"law":[{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch V, I, Paras 1 to 4","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch V, I, Para 7","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 146","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 147","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 150","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 157","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 164","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 161","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 166(3)","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 162","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"idv","label":"Insured declared value (IDV)","section":"Cover","meaning":"The vehicle's insured value: maximum paid for theft or total loss.","status":"quote-verified","value":"The Insured's Declared Value (IDV) is deemed the sum insured, fixed at the commencement of each policy period based on the manufacturer’s listed selling price adjusted for depreciation; for total loss or constructive total loss, liability is IDV less the value of the wreck.","display":"IDV is the sum insured; TL/CTL pays IDV less wreck value","note":null,"quote":"The Insured's Declared Value (IDV) of the vehicle will be deemed to be the ‘SUM INSURED’ for the purpose of this policy, which is fixed at the commencement of each policy period for the insured vehicle. The IDV of the vehicle ( and side car / accessories, if any, fitted to the vehicle ) is to be fixed on the basis of the manufacturer’s listed selling price of the brand and model of the insured vehicle at the commencement of insurance / renewal and adjusted for depreciation ... a) For total loss / constructive total loss of the vehicle - the Insured’s Declared Value (IDV) of the vehicle (including accessories thereon), as specified in the schedule less the value of the wreck.","sources":[{"clause":"4(iii)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/zuno-general-insurance/two-wheeler-standalone-own-damage-irdan159rp0003v02201920/document/17973#c-4-iii"},{"clause":"4(a)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/zuno-general-insurance/two-wheeler-standalone-own-damage-irdan159rp0003v02201920/document/17973#c-4-a-2"}],"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":"Depreciation on replaced parts is 50% for rubber/nylon/plastic parts, tyres, tubes and batteries; 30% for fibre glass components; nil for glass; and for other parts including wooden parts it ranges from nil to 50% by vehicle age. Painting depreciation is 50% of total painting charges.","display":"50% rubber/nylon/plastic/tyres/tubes/batteries; 30% fibre glass; Nil glass; other parts Nil to 50% by age; painting 50%","note":null,"quote":"a) For all rubber/ nylon/ plastic parts, tyres, tubes and Batteries - 50% ... b) For fibre glass components - 30% ... c) For all parts made of glass – Nil ... Age of Vehicle | % of Depreciation\nNot exceeding 6 months | Nil\nExceeding 6 months but not exceeding 1 year | 5%\nExceeding 1 year but not exceeding 2 years | 10%\nExceeding 2 year but not exceeding 3 years | 15%\nExceeding 3 year but not exceeding 4 years | 25%\nExceeding 4 year but not exceeding 5 years | 35%\nExceeding 5 year but not exceeding 10 years | 40%\nExceeding 10 years | 50% ... e) Rate of Depreciation for Painting: In the case of painting, the depreciation rate of 50% s of total painting charges.","sources":[{"clause":"1(a)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/zuno-general-insurance/two-wheeler-standalone-own-damage-irdan159rp0003v02201920/document/17973#c-1-a"},{"clause":"1(b)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/zuno-general-insurance/two-wheeler-standalone-own-damage-irdan159rp0003v02201920/document/17973#c-1-b"},{"clause":"1(c)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/zuno-general-insurance/two-wheeler-standalone-own-damage-irdan159rp0003v02201920/document/17973#c-1-c"},{"clause":"1(d)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/zuno-general-insurance/two-wheeler-standalone-own-damage-irdan159rp0003v02201920/document/17973#c-1-d"}],"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":"NCB discount on own-damage premium is 20% after one preceding claim-free year, 25% after 2 consecutive years, 35% after 3, 45% after 4 and 50% after 5; the maximum NCB is 50% and entitlement arises at renewal after the full policy duration.","display":"20%, 25%, 35%, 45%, 50%; maximum 50%","note":null,"quote":"All types of Vehicles | % of Discount on Own Damage premium\nNo claim made or pending during the preceding full year of insurance | 20%\nNo claim made or pending during the preceding 2 consecutive years of insurance | 25%\nNo claim made or pending during the preceding 3 consecutive years of insurance | 35%\nNo claim made or pending during the preceding 4 consecutive years of insurance | 45%\nNo claim made or pending during the preceding 5 consecutive years of insurance | 50%\nNOTE:\ni. Maximum NCB that can be earned by an Insured is 50%. ... iii) An Insured becomes entitled for NCB only at the time of renewal of policy after the expiry of the full duration of the Policy.","sources":[{"clause":"10(i)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/zuno-general-insurance/two-wheeler-standalone-own-damage-irdan159rp0003v02201920/document/17973#c-10-i"},{"clause":"10(iii)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/zuno-general-insurance/two-wheeler-standalone-own-damage-irdan159rp0003v02201920/document/17973#c-10-iii"}],"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":"Under IMT22, the insured bears the first amount stated in the Policy Schedule for each and every Section I event, including total loss or constructive total loss.","display":"First amount stated in the Policy Schedule for each and every Section I event","note":"The rupee amount is not printed in the wording; it refers to the Policy Schedule.","quote":"IMT22. COMPULSORY DEDUCTIBLE (Applicable to Private Cars, three wheelers rated as private cars, all motorized two wheelers) Notwithstanding anything to the contrary contained in the Policy it is hereby understood and agreed that the insured shall bear under Section I of the Policy in respect of each and every event (including event giving rise to a total loss/constructive total loss) the first Rs .........* (refer Policy Schedule)","sources":[{"clause":"10(iii)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/zuno-general-insurance/two-wheeler-standalone-own-damage-irdan159rp0003v02201920/document/17973#c-10-iii"}],"law":[]},{"key":"deductible","label":"Voluntary deductible","section":"Limits and co-pay","meaning":"An extra amount per claim you choose to bear for a lower premium.","status":"quote-verified","value":"A voluntary deductible can be opted for private cars/motorized two wheelers other than for hire or reward; the amount is as per the Policy Schedule and the insured bears the first aggregate amount for each event under Section 1.","display":"Available if opted; voluntary deductible amount as per Policy Schedule","note":"The wording does not print the deductible options or rupee amount; it refers to the Policy Schedule.","quote":"IMT22.A. VOLUNTARY DEDUCTIBLE (For private cars/motorized two wheelers other than for hire or reward) It is by declared and agreed that the insured having opted a voluntary deductible of Rs ......* (refer Policy Schedule) a reduction in premium of Rs ......** (refer Policy Schedule) under Section 1 of the policy is hereby allowed. ... the insured shall bear under Section 1 of the policy in respect of each and every event (including event giving rise to a total loss/constructive total loss) the first Rs ......*** (refer Policy Schedule)","sources":[{"clause":"10(iii)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/zuno-general-insurance/two-wheeler-standalone-own-damage-irdan159rp0003v02201920/document/17973#c-10-iii"}],"law":[]},{"key":"pa_owner_driver","label":"Personal accident cover for owner-driver","section":"Cover","meaning":"Compulsory PA cover for the owner-driver.","status":"not-stated","value":null,"display":null,"note":"The wording contains only passing endorsement references to Personal Accident Cover for the owner-driver and does not state the compulsory PA cover terms or amount.","quote":null,"sources":[],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"cashless_garages","label":"Cashless garages","section":"Claims","meaning":"Whether repairs can be cashless at network garages.","status":"not-stated","value":null,"display":null,"note":null,"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":["Consequential loss, depreciation, wear and tear, mechanical and electrical breakdown","Damage to Tyres and Tubes, unless the Vehicle insured is damaged at the same time","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","outside the Geographical Area indicated in the Schedule","Any Claim arising out of any Contractual Liability","ionising radiation or contamination by radioactivity","nuclear weapons material","War, Invasion, acts of foreign enemies, hostilities or war-like operations","organised racing, pace making or speed testing"],"display":"Wear and tear/breakdown, tyres unless vehicle also damaged, intoxication, use outside limitations, unpermitted driver, outside geographical area, contractual liability, radiation, nuclear weapons material, war, organised racing/pace making/speed testing","note":null,"quote":"2. The Company shall not be liable to make any payment in respect of: (a) Consequential loss, depreciation, wear and tear, mechanical and electrical breakdown, fai (b) Damage to Tyres and Tubes, unless the Vehicle insured is damaged at the same time, in shall be limited to 50% of the cost of replacement; ... And (d) Any accidental loss or damage suffered, whilst the Insured or any person, driving (the veh the Insured, 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.\n5. a) Any accidental loss or damage to any property whatsoever or any loss or expense whatsoever resulting or arising therefrom or any consequential loss\nb) Any liability of whatsoever nature directly or indirectly caused by or contributed to by or arising from ionising radiation or contamination by radioactivity ... 6. Any accidental loss or damage or liability directly or indirectly caused by or contributed to by or arising from nuclear weapons material.\n7. Any accidental loss damage and/or liability directly or indirectly or proximately or remotely occasioned by, or contributed by or traceable to or arising out of or in connection with War, Invasion, acts of foreign enemies, hostilities or war-like operations ... b) This Policy does not cover use for organised racing, pace making or speed testing.","sources":[{"clause":"1(d)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/zuno-general-insurance/two-wheeler-standalone-own-damage-irdan159rp0003v02201920/document/17973#c-1-d"},{"clause":"4(a)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/zuno-general-insurance/two-wheeler-standalone-own-damage-irdan159rp0003v02201920/document/17973#c-4-a"},{"clause":"4(b)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/zuno-general-insurance/two-wheeler-standalone-own-damage-irdan159rp0003v02201920/document/17973#c-4-b"},{"clause":"10(b)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/zuno-general-insurance/two-wheeler-standalone-own-damage-irdan159rp0003v02201920/document/17973#c-10-b"}],"law":[]},{"key":"sum_insured_basis","label":"Sum insured basis","section":"Cover","meaning":"How the cover amount is set: market value, reinstatement value, agreed value, IDV.","status":"quote-verified","value":"The cover amount is the Insured's Declared Value (IDV), fixed at the commencement of each policy period based on the manufacturer’s listed selling price of the insured vehicle and adjusted for depreciation.","display":"Insured’s Declared Value (IDV)","note":null,"quote":"SUM INSURED - INSURED’S DECLARED VALUE (IDV) The Insured's Declared Value (IDV) of the vehicle will be deemed to be the ‘SUM INSURED’ for the purpose of this policy, which is fixed at the commencement of each policy period for the insured vehicle. The IDV of the vehicle ( and side car / accessories, if any, fitted to the vehicle ) is to be fixed on the basis of the manufacturer’s listed selling price of the brand and model of the insured vehicle at the commencement of insurance / renewal and adjusted for depreciation","sources":[{"clause":"4(iii)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/zuno-general-insurance/two-wheeler-standalone-own-damage-irdan159rp0003v02201920/document/17973#c-4-iii"}],"law":[]}],"documents":[{"kind":"wording","label":"Two Wheeler Standalone Own Damage Policy Wording","pages":17,"fetched_at":"2026-10-17 20:02:40+00","source_url":"https://cms.hizuno.com/uploads/3_Two_Wheeler_Standalone_Own_Damage_Policy_Wording_d978d91015.pdf?updated_at=2023-12-11T11:53:39.136Z","url":"https://indiainsurances.com/policy/zuno-general-insurance/two-wheeler-standalone-own-damage-irdan159rp0003v02201920/document/17959"},{"kind":"wording","label":"Zuno Two wheeler stand alone own damage insurance policy wording","pages":19,"fetched_at":"2026-10-17 20:03:13+00","source_url":"https://cms.hizuno.com/uploads/Zuno_Two_wheeler_stand_alone_own_damage_insurance_policy_wording_V_1_1_f755d4e30f.pdf?updated_at=2024-01-05T06:15:14.717Z","url":"https://indiainsurances.com/policy/zuno-general-insurance/two-wheeler-standalone-own-damage-irdan159rp0003v02201920/document/17973"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Zuno General Insurance official website","url":"https://www.hizuno.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":"Health claims","url":"https://www.hizuno.com/health-insurance/health-claim","note":null},{"purpose":"claim","kind":"insurer","name":"Motor claims","url":"https://www.hizuno.com/claims-motor","note":null},{"purpose":"claim","kind":"insurer","name":"Other claims","url":"https://www.hizuno.com/other-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 renewal","url":"https://www.hizuno.com/renewals/health-renewal","note":null},{"purpose":"renew","kind":"insurer","name":"Motor renewal","url":"https://www.hizuno.com/renewals/motor-renewal","note":null}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"Two Wheeler Standalone Own Damage (UIN IRDAN159RP0003V02201920), IndiaInsurances, https://indiainsurances.com/policy/zuno-general-insurance/two-wheeler-standalone-own-damage-irdan159rp0003v02201920"}