{"uin":"IRDAN159RP0004V02201819","name":"Two Wheeler Package","url":"https://indiainsurances.com/policy/zuno-general-insurance/two-wheeler-package-irdan159rp0004v02201819","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 Package Insurance is a two-wheeler package policy covering own-damage perils, third-party liability and personal accident cover for the owner-driver. The sum insured is the IDV, the owner-driver personal accident limit is Rs 15 lakh, and optional add-ons include Depreciation Protect, Invoice Value Protect, Consumable Expenses Protect and Road Side Assistance.","analysis":{"state":"machine","analysed_at":"2026-10-20 06:34:01.314148+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":"No named plan variants are printed inside the wording.","quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"not-stated","value":null,"display":null,"note":"The wording refers to the Period of Insurance and the Schedule, but does not print a fixed policy term.","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 in the event of any claim.","display":"Written notice immediately upon loss, damage or claim","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.","sources":[{"clause":"6","heading":null,"page":5,"url":"https://indiainsurances.com/policy/zuno-general-insurance/two-wheeler-package-irdan159rp0004v02201819/document/17971#c-6"}],"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":["Every letter claim writ summons and/or process or copy there of"],"display":"Every letter claim writ summons and/or process or copy there of","note":null,"quote":"Every letter claim writ summons and/or process or copy there of shall be forwarded to the Company immediately on receipt by the Insured.","sources":[{"clause":"6","heading":null,"page":5,"url":"https://indiainsurances.com/policy/zuno-general-insurance/two-wheeler-package-irdan159rp0004v02201819/document/17971#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":"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":["Any accidental loss damage and/or liability caused sustained or incurred outside the Geographical Area","Any Claim arising out of any Contractual Liability","Being used otherwise than in accordance with the Limitations as to Use","Being driven by or is for the purpose of being driven by him/her in the charge of any person other than a Driver as stated in the Driver's clause","ionising radiation or contamination by radioactivity","nuclear weapons material","War, Invasion, the Act of foreign enemies, hostilities or Warlike operations","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"],"display":"Outside Geographical Area; contractual liability; use outside limitations; driver not as stated; radioactivity; nuclear weapons; war; intentional self injury; intoxicating liquor or drugs","note":null,"quote":"Any accidental loss damage and/or liability caused sustained or incurred outside the Geographical Area. ... Any Claim arising out of any Contractual Liability. ... 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. ... ionising radiation or contamination by radioactivity ... Any accidental loss or damage or liability directly or indirectly caused by or contributed to by or arising from nuclear weapons material. ... War, Invasion, the Act of foreign enemies, hostilities or Warlike operations ... 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.","sources":[{"clause":"1","heading":null,"page":4,"url":"https://indiainsurances.com/policy/zuno-general-insurance/two-wheeler-package-irdan159rp0004v02201819/document/17971#c-1-3"},{"clause":"2","heading":null,"page":4,"url":"https://indiainsurances.com/policy/zuno-general-insurance/two-wheeler-package-irdan159rp0004v02201819/document/17971#c-2-2"},{"clause":"3(a)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/zuno-general-insurance/two-wheeler-package-irdan159rp0004v02201819/document/17971#c-3-a"},{"clause":"3(b)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/zuno-general-insurance/two-wheeler-package-irdan159rp0004v02201819/document/17971#c-3-b"},{"clause":"5","heading":null,"page":4,"url":"https://indiainsurances.com/policy/zuno-general-insurance/two-wheeler-package-irdan159rp0004v02201819/document/17971#c-5-2"},{"clause":"6","heading":null,"page":5,"url":"https://indiainsurances.com/policy/zuno-general-insurance/two-wheeler-package-irdan159rp0004v02201819/document/17971#c-6"},{"clause":"Section III","heading":null,"page":4,"url":"https://indiainsurances.com/policy/zuno-general-insurance/two-wheeler-package-irdan159rp0004v02201819/document/17971#c-section-iii"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"First contact the company at 1800 12000 or support@hizuno.com. If unsatisfied, escalate to the Grievance Cell at grievance@hizuno.com, then to the Company’s Grievance Redressal Officer at grievanceofficer@hizuno.com, before approaching IRDAI or the Insurance Ombudsman.","display":"Step 1: 1800 12000 / support@hizuno.com; Step 2: Grievance Cell; Step 3: Company’s Grievance Redressal Officer","note":null,"quote":"Escalation 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: ... • 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: ... • Email: grievanceofficer@hizuno.com ... Step 5 If the complaint/grievance has still not been resolved, the Complainant may approach the Office of the Insurance Ombudsman","sources":[{"clause":"10(c)","heading":"War/ Riot/ Terrorism","page":18,"url":"https://indiainsurances.com/policy/zuno-general-insurance/two-wheeler-package-irdan159rp0004v02201819/document/17971#c-10-c-4"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"perils","label":"What is covered","section":"Cover","meaning":"The events or risks covered.","status":"quote-verified","value":["fire explosion self-ignition or lightning","burglary housebreaking or theft","Riot and Strike","Earthquake (Fire and Shock Damage)","Flood Typhoon Hurricane Storm Tempest Inundation Cyclone Hailstorm frost","accidental external means","malicious act","terrorist activity","whilst in transit by road rail inland waterway lift elevator or air","Landslide/Rockslide"],"display":"Fire, theft, riot, earthquake, flood/storm, 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 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-package-irdan159rp0004v02201819/document/17971#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 at any time on seven days’ notice by recorded delivery. If no claim has arisen during the policy, refund is premium less the Company’s Short Period rates, subject to minimum retained premium of Rs 250, or Rs 25 for vehicles specifically designed or modified for blind, handicapped or mentally challenged persons.","display":"Seven days’ notice; if no claim, refund less Short Period rates; minimum premium Rs 250 or 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 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 250/- (or Rs 25/- in respect of vehicles specifically designed/modified for use by blind/ handicapped/ mentally challenged persons).","sources":[{"clause":"6(b)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/zuno-general-insurance/two-wheeler-package-irdan159rp0004v02201819/document/17971#c-6-b"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"not-stated","value":null,"display":null,"note":"The wording excludes losses outside the Geographical Area but does not define that area in the clauses.","quote":null,"sources":[],"law":[]},{"key":"cover_types","label":"Cover types","section":"Cover","meaning":"Comprehensive, standalone own damage, third-party only.","status":"quote-verified","value":["Package policy","LOSS OF OR DAMAGE TO THE VEHICLE INSURED","LIABILITY TO THIRD PARTIES"],"display":"Package policy with own-damage and third-party liability sections","note":null,"quote":"Zuno Two Wheeler Package Insurance Policy wording ... LOSS OF OR DAMAGE TO THE VEHICLE INSURED ... LIABILITY TO THIRD PARTIES","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/zuno-general-insurance/two-wheeler-package-irdan159rp0004v02201819/document/17971#c-s1"},{"clause":"Section I","heading":null,"page":2,"url":"https://indiainsurances.com/policy/zuno-general-insurance/two-wheeler-package-irdan159rp0004v02201819/document/17971#c-section-i"},{"clause":"Section II","heading":null,"page":3,"url":"https://indiainsurances.com/policy/zuno-general-insurance/two-wheeler-package-irdan159rp0004v02201819/document/17971#c-section-ii"}],"law":[]},{"key":"third_party","label":"Third-party liability","section":"Cover","meaning":"Compulsory cover for injury, death or property damage to others. Unlimited for death and injury.","status":"quote-verified","value":"The policy indemnifies the insured, subject to limits in the Schedule, for legal liability arising from use of the insured vehicle for death or bodily injury to any person and for damage to property other than property belonging to, held in trust by, or in the custody or control of the insured.","display":"Covers legal liability for death or bodily injury to any person and damage to others’ property, subject to Schedule limits","note":"The wording refers to limits in the Schedule and does not print a separate unlimited death or bodily injury limit.","quote":"Subject to the limits of liability as laid down in the Schedule hereto the Company will indemnify the insured in the event of an accident caused by or arising out of the use of the insured vehicle against all sums which the insured shall become legally liable to pay in respect of ... i) Death of or bodily injury to any person including occupants carried in the insured vehicle ... ii) Damage to the property other than property belonging to the insured or held in trust or in the custody or control of the insured.","sources":[{"clause":"1","heading":null,"page":3,"url":"https://indiainsurances.com/policy/zuno-general-insurance/two-wheeler-package-irdan159rp0004v02201819/document/17971#c-1-2"},{"clause":"1(i)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/zuno-general-insurance/two-wheeler-package-irdan159rp0004v02201819/document/17971#c-1-i"},{"clause":"1(ii)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/zuno-general-insurance/two-wheeler-package-irdan159rp0004v02201819/document/17971#c-1-ii"}],"law":[{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch V, I, Paras 1 to 4","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch V, I, Para 7","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 146","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 147","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 150","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 157","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 164","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 161","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 166(3)","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 162","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"idv","label":"Insured declared value (IDV)","section":"Cover","meaning":"The vehicle's insured value: maximum paid for theft or total loss.","status":"quote-verified","value":"The Insured’s Declared Value of the vehicle is the Sum Insured, fixed at the start of each policy period. It is based on the manufacturer’s listed selling price adjusted for depreciation, and is treated as Market Value throughout the policy period for Total Loss and Constructive Total Loss claims.","display":"IDV is the Sum Insured, fixed at commencement and treated as Market Value for TL/CTL claims","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 as the insured vehicle at the commencement of insurance / renewal and adjusted for depreciation ( as per schedule below ). ... IDV shall be treated as the ‘Market Value’ throughout the policy period without any further depreciation for the purpose of Total Loss (TL) / Constructive Total Loss (CTL) claims.","sources":[{"clause":"4(iii)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/zuno-general-insurance/two-wheeler-package-irdan159rp0004v02201819/document/17971#c-4-iii"}],"law":[]},{"key":"depreciation","label":"Depreciation on parts","section":"Limits and co-pay","meaning":"How much of the cost of replaced parts you bear because of age (unless you have zero depreciation).","status":"quote-verified","value":"For replaced parts: rubber, nylon, plastic parts, tyres, tubes and batteries 50%; fibre glass components 30%; glass Nil. Other parts including wooden parts are depreciated by vehicle age: Nil up to 6 months, 5% over 6 months to 1 year, 10% over 1 to 2 years, 15% over 2 to 3 years, 25% over 3 to 4 years, 35% over 4 to 5 years, 40% over 5 to 10 years, and 50% over 10 years; painting depreciation is 50%.","display":"Parts depreciation: rubber/nylon/plastic/tyres/tubes/batteries 50%; fibre glass 30%; glass Nil; 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-package-irdan159rp0004v02201819/document/17971#c-1-a"},{"clause":"1(b)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/zuno-general-insurance/two-wheeler-package-irdan159rp0004v02201819/document/17971#c-1-b"},{"clause":"1(c)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/zuno-general-insurance/two-wheeler-package-irdan159rp0004v02201819/document/17971#c-1-c"},{"clause":"1(d)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/zuno-general-insurance/two-wheeler-package-irdan159rp0004v02201819/document/17971#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":"No Claim Bonus discount on Own Damage premium is 20% after the preceding full claim-free year, 25% after 2 consecutive years, 35% after 3 consecutive years, 45% after 4 consecutive years, and 50% after 5 consecutive years. The maximum NCB is 50%.","display":"20%, 25%, 35%, 45%, 50% for 1 to 5 claim-free years; maximum 50%","note":null,"quote":"No 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: i.Maximum NCB that can be earned by an Insured is 50%","sources":[{"clause":"10","heading":"NO CLAIM BONUS (NCB)","page":6,"url":"https://indiainsurances.com/policy/zuno-general-insurance/two-wheeler-package-irdan159rp0004v02201819/document/17971#c-10"}],"law":[]},{"key":"compulsory_deductible","label":"Compulsory deductible","section":"Limits and co-pay","meaning":"Fixed amount you pay on every own-damage claim.","status":"not-stated","value":null,"display":null,"note":"The wording says the deductible is stated in the Schedule and IMT22 has blanks for the rupee amount, so the fixed amount is not printed in the clauses.","quote":null,"sources":[],"law":[]},{"key":"deductible","label":"Voluntary deductible","section":"Limits and co-pay","meaning":"An extra amount per claim you choose to bear for a lower premium.","status":"quote-verified","value":"A voluntary deductible may be opted for private cars or motorized two wheelers other than for hire or reward. If opted, the insured bears the first amount stated in the Policy Schedule for each and every event under Section 1, including total loss or constructive total loss.","display":"Optional voluntary deductible; amount in Policy Schedule; applies to each and every event under Section 1","note":"The wording does not print the rupee amount; it is to be inserted in 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(b)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/zuno-general-insurance/two-wheeler-package-irdan159rp0004v02201819/document/17971#c-10-b"}],"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":"Personal accident cover for the owner-driver pays compensation for bodily injury or death directly connected with the insured vehicle, caused by violent accidental external and visible means, if it results within six calendar months. The limit is Rs 15 lakh in aggregate during any one period of insurance; compensation is 100% for death, loss of two limbs or sight of two eyes or one limb and sight of one eye, or permanent total disablement, and 50% for loss of one limb or sight of one eye, subject to the owner-driver being the registered owner, named insured and holding an effective driving license.","display":"Owner-driver PA cover: Rs 15 lakh aggregate; 100% for death/PTD/two limbs or eyes, 50% for one limb or eye","note":null,"quote":"PERSONAL ACCIDENT COVER FOR OWNER-DRIVER Subject otherwise to the terms exceptions conditions and limitations of this policy, 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 or whilst mounting into / dismounting from or traveling in the insured vehicle as a co-driver, caused by violent accidental external and visible means which independent of any other cause shall within six calendar months of such injury result in :\nNature of injury | Scale of compensation\n(i) Death | 100%\n(ii) Loss of two limbs or sight of two eyes or one limb and sight of one eye | 100%\n(iii) Loss of one limb or sight of one eye | 50%\n(iv) Permanent total disablement from injuries other than named above | 100% ... the total liability of the insurer shall not in the aggregate exceed the sum of Rs 15 lakh during any one period of insurance. ... i) 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, in accordance with the provisions of Rule 3 of the Central Motor Vehicles Rules, 1989, at the time of the accident.","sources":[{"clause":"Section III","heading":null,"page":4,"url":"https://indiainsurances.com/policy/zuno-general-insurance/two-wheeler-package-irdan159rp0004v02201819/document/17971#c-section-iii"}],"law":[{"title":"Enhancement of Capital Sum Insured in Compulsory Personal Accident Cover for Owner-Driver under Motor Insurance Policies","section":"Para 4(i) to (iii)","url":"https://indiainsurances.com/law/irdai-motor-cpa-2018"},{"title":"Compulsory Personal Accident Insurance for Owner-Driver under Motor Insurance","section":"Paras 1 and 2","url":"https://indiainsurances.com/law/irdai-motor-cpa-choice-2018"},{"title":"Cover for Compulsory Personal Accident (CPA) for Owner-Driver under Motor Insurance Policies","section":"Para 3","url":"https://indiainsurances.com/law/irdai-motor-cpa-standalone-2018"},{"title":"Cover for Compulsory Personal Accident (CPA) for Owner-Driver under Motor Insurance Policies","section":"Para 4(iv) to (viii)","url":"https://indiainsurances.com/law/irdai-motor-cpa-standalone-2018"}]},{"key":"addons","label":"Add-ons offered","section":"Cover","meaning":"Zero depreciation, engine protect, return to invoice, roadside assistance, consumables...","status":"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":"The clauses mention authorized workshops and repairers, but do not state that repairs can be cashless at network garages.","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","Loss of or damage to accessories by burglary housebreaking or theft unless the Vehicle is","under the influence of intoxicating liquor or drugs","Any accidental loss damage and/or liability caused sustained or incurred outside the Geographical Area","Being used otherwise than in accordance with the Limitations as to Use","Being driven by or is for the purpose of being driven by him/her in the charge of any person other than a Driver as stated in the Driver's clause","ionising radiation or contamination by radioactivity","nuclear weapons material","War, Invasion, the Act of foreign enemies, hostilities or Warlike operations"],"display":"Wear and tear/mechanical breakdown; tyre damage unless vehicle also damaged; accessory theft unless vehicle is stolen; intoxicating liquor or drugs; outside Geographical Area; use outside limitations; driver not as stated; radiation; nuclear weapons; war","note":"The source text appears truncated for some Section I exclusions; the quoted wording is copied as printed in the clauses.","quote":"Consequential loss, depreciation , wear and tear, mechanical and electrical breakdown fai ... Damage to Tyres and Tubes unless the Vehicle insured is damaged at the same time ... Loss of or damage to accessories by burglary housebreaking or theft unless the Vehicle is ... under the influence of intoxicating liquor or drugs. ... Any accidental loss damage and/or liability caused sustained or incurred outside the Geographical Area. ... 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. ... ionising radiation or contamination by radioactivity ... nuclear weapons material. ... War, Invasion, the Act of foreign enemies, hostilities or Warlike operations","sources":[{"clause":"1(d)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/zuno-general-insurance/two-wheeler-package-irdan159rp0004v02201819/document/17971#c-1-d"},{"clause":"1","heading":null,"page":4,"url":"https://indiainsurances.com/policy/zuno-general-insurance/two-wheeler-package-irdan159rp0004v02201819/document/17971#c-1-3"},{"clause":"3(a)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/zuno-general-insurance/two-wheeler-package-irdan159rp0004v02201819/document/17971#c-3-a"},{"clause":"3(b)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/zuno-general-insurance/two-wheeler-package-irdan159rp0004v02201819/document/17971#c-3-b"},{"clause":"5","heading":null,"page":4,"url":"https://indiainsurances.com/policy/zuno-general-insurance/two-wheeler-package-irdan159rp0004v02201819/document/17971#c-5-2"},{"clause":"6","heading":null,"page":5,"url":"https://indiainsurances.com/policy/zuno-general-insurance/two-wheeler-package-irdan159rp0004v02201819/document/17971#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 sum insured is the Insured’s Declared Value of the vehicle, fixed at the commencement of each policy period. IDV is based on the manufacturer’s listed selling price of the brand and model adjusted for depreciation, and vehicles beyond 5 years or obsolete models are valued by understanding between insurer and insured.","display":"IDV basis: manufacturer’s listed selling price adjusted for depreciation; beyond 5 years by agreement","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 as the insured vehicle at the commencement of insurance / renewal and adjusted for depreciation ( as per schedule below ). ... IDV of vehicles beyond 5 years of age and of obsolete models of vehicles (i.e. models which the manufacturers have discontinued to manufacture) is to be determined on the basis of an understanding between the insurer and the insured.","sources":[{"clause":"4(iii)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/zuno-general-insurance/two-wheeler-package-irdan159rp0004v02201819/document/17971#c-4-iii"}],"law":[]}],"documents":[{"kind":"wording","label":"Two Wheeler Package Policy wording","pages":20,"fetched_at":"2026-10-17 20:02:22+00","source_url":"https://cms.hizuno.com/uploads/1_Two_Wheeler_Package_Policy_wording_589c70079e.pdf?updated_at=2023-12-11T11:53:38.080Z","url":"https://indiainsurances.com/policy/zuno-general-insurance/two-wheeler-package-irdan159rp0004v02201819/document/17953"},{"kind":"wording","label":"Zuno Two Wheeler Package Insurance policy wording","pages":22,"fetched_at":"2026-10-17 20:03:06+00","source_url":"https://cms.hizuno.com/uploads/Zuno_Two_Wheeler_Package_Insurance_policy_wording_V_1_1_5972091f57.pdf?updated_at=2024-01-05T06:15:15.787Z","url":"https://indiainsurances.com/policy/zuno-general-insurance/two-wheeler-package-irdan159rp0004v02201819/document/17971"}],"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 Package (UIN IRDAN159RP0004V02201819), IndiaInsurances, https://indiainsurances.com/policy/zuno-general-insurance/two-wheeler-package-irdan159rp0004v02201819"}