{"uin":"IRDAN190RP0043V01100001","name":"Two Wheeler","url":"https://indiainsurances.com/policy/new-india-assurance/two-wheeler-irdan190rp0043v01100001","insurer":{"slug":"new-india-assurance","name":"The New India Assurance Company Limited","url":"https://indiainsurances.com/insurer/new-india-assurance"},"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":"Two Wheeler is a package policy covering own damage perils and third-party liability, with owner-driver personal accident cover up to Rs. 15 lakh. The sum insured is the IDV treated as market value for total loss, and claims must be notified immediately.","analysis":{"state":"machine","analysed_at":"2026-10-20 05:39:48.999924+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 documents describe a Two Wheeler Package policy and add-on covers, but do not name separate plans or variants inside the base product.","quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"12 months","display":"12 months","note":null,"quote":"after completion of the full policy period of 12 months","sources":[{"clause":"8(c)(ii)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/new-india-assurance/two-wheeler-irdan190rp0043v01100001/document/13607#c-8-c-ii"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"Notice of accidental loss or damage, claim documents received, impending prosecution/inquest/fatal injury, and theft or other criminal act must be given immediately.","display":"Immediately upon occurrence; theft or other criminal act must also be reported to the police immediately.","note":null,"quote":"Notice shall be given in writing to the Company immediately upon the occurrence of any accidental or loss or damage and in the event of any claim ... Every letter claim writ summons and/or process or copy thereof shall be forwarded to the Company immediately on receipt by the insured. ... 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","sources":[{"clause":null,"heading":"CONDITIONS","page":3,"url":"https://indiainsurances.com/policy/new-india-assurance/two-wheeler-irdan190rp0043v01100001/document/13607#c-conditions"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["detailed estimate of the cost of repairs","all the information, assistance, records and documentation that they might reasonably require","FIR or a written acknowledgement from the Police authorities","repair invoice in original"],"display":"Detailed repair estimate; required information, assistance, records and documentation; FIR/written police acknowledgement for theft; original repair invoice for reimbursement claims.","note":null,"quote":"the Company is furnished forthwith with a detailed estimate of the cost of repairs ... information, assistance, records and documentation that they might reasonably require ... If the claim is for theft, insured should report to the Police as well as insurer immediately and obtain an FIR or a written acknowledgement from the Police authorities. ... In case of reimbursement claims, Insured will have to submit repair invoice in original","sources":[{"clause":"4","heading":"Rate of depreciation for all other parts including wooden parts","page":1,"url":"https://indiainsurances.com/policy/new-india-assurance/two-wheeler-irdan190rp0043v01100001/document/13607#c-4"},{"clause":"9(b)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/new-india-assurance/two-wheeler-irdan190rp0043v01100001/document/13608#c-9-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":"quote-verified","value":"Initial survey within 24 hours from claim intimation; survey report within 15 days of allocation; approval or rejection within 7 days from receipt of the survey report with all relevant claim documents.","display":"Initial survey within 24 hours; survey report within 15 days of allocation; approval/rejection within 7 days from receipt of survey report with all relevant claim documents.","note":"The CIS prints \"With 7 days\" for approval/rejection.","quote":"Initial Survey | Within 24 hours from the time of intimation of claim to Insurance Company ... Obtaining Survey report by Insurance Company | Within 15 days of allocation ... Approval /Rejection of Claim after receiving first/addendum survey report | With 7 days from the date of receipt of Survey Report with all relevant claim documents.","sources":[{"clause":"9(b)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/new-india-assurance/two-wheeler-irdan190rp0043v01100001/document/13608#c-9-b"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["consequential loss, depreciation, wear and tear, mechanical or electrical breakdown, failures or breakages","damage to Tyres and Tubes unless the vehicle insured is damaged at the same time","loss of or damage to accessories by burglary housebreaking or theft unless the vehicle is stolen at the same time","under the influence of intoxicating liquor or drugs","outside the Geographical Area","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 radiations or contamination by radioactivity","war, invasion, the act of foreign enemies, hostilities or warlike operations"],"display":"Wear and tear/mechanical or electrical breakdown, tyre/tube damage unless the vehicle is also damaged, accessories theft unless vehicle stolen, drunk/drug driving, outside geographical area, contractual liability, use outside limitations, unauthorised/non-driver use, nuclear/radioactivity and war risks.","note":null,"quote":"consequential loss, depreciation, wear and tear, mechanical or electrical breakdown, failures or breakages; ... 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 stolen at the same time ... under the influence of intoxicating liquor or drugs. ... 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 ... ionising radiations or contamination by radioactivity ... war, invasion, the act of foreign enemies, hostilities or warlike operations","sources":[{"clause":"4","heading":"Rate of depreciation for all other parts including wooden parts","page":1,"url":"https://indiainsurances.com/policy/new-india-assurance/two-wheeler-irdan190rp0043v01100001/document/13607#c-4"},{"clause":null,"heading":"GENERAL EXCEPTIONS","page":3,"url":"https://indiainsurances.com/policy/new-india-assurance/two-wheeler-irdan190rp0043v01100001/document/13607#c-general-exceptions"},{"clause":"5(a)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/new-india-assurance/two-wheeler-irdan190rp0043v01100001/document/13607#c-5-a-2"},{"clause":"5(b)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/new-india-assurance/two-wheeler-irdan190rp0043v01100001/document/13607#c-5-b-2"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"First complain to the company through its 24X7 toll-free number 1800-209-1415 or by email to customercare.ho@newindia.co.in. After the company investigates and responds, the Insurance Ombudsman may be approached.","display":"Call 1800-209-1415 or email customercare.ho@newindia.co.in; after the company's response, approach the Insurance Ombudsman.","note":null,"quote":"if you are not satisfied with our services and wish to lodge a complaint, please free to call our 24X7 Toll free number 1800-209-1415 or you may email to the customer service desk at customercare.ho@newindia.co.in. After investigating the matter internally and subsequent closure, we will send our response. ... You can also approach the Insurance Ombudsman","sources":[{"clause":"8(c)(ii)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/new-india-assurance/two-wheeler-irdan190rp0043v01100001/document/13607#c-8-c-ii"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"perils","label":"What is covered","section":"Cover","meaning":"The events or risks covered.","status":"quote-verified","value":["fire explosion self-ignition or lightning","burglary housebreaking or theft","riot and strike","earthquake (fire and shock damage)","flood typhoon hurricane storm tempest inundation cyclone hailstorm frost","accidental external means","malicious act","terrorist activity","whilst in transit by road rail inland- waterway lift elevator or air","landslide rockslide"],"display":"Fire/explosion/self-ignition/lightning, burglary/housebreaking/theft, riot/strike, earthquake, flood/storm/cyclone and similar perils, accidental external means, malicious act, terrorist activity, transit, landslide/rockslide.","note":null,"quote":"i) by fire explosion self-ignition or lightning; ii) by burglary housebreaking or theft; iii) by riot and strike; iv) by earthquake (fire and shock damage); v) by flood typhoon hurricane storm tempest inundation cyclone hailstorm frost; vi) by accidental external means; vii) by malicious act; viii) by terrorist activity; ix) whilst in transit by road rail inland- waterway lift elevator or air; x) by landslide rockslide.","sources":[{"clause":"Section I","heading":"LOSS OF OR DAMAGE TO THE VEHICLE INSURED","page":1,"url":"https://indiainsurances.com/policy/new-india-assurance/two-wheeler-irdan190rp0043v01100001/document/13607#c-section-i"}],"law":[]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"The insured may cancel the policy at any time by informing the company. The policy wording states a proportionate refund for the unexpired policy period if no claim has been made; premium is retained in full for cancellation due to total loss or constructive total loss.","display":"You may cancel at any time; proportionate premium refund for the unexpired period if no claim has been made. Premium is retained in full for cancellation due to total loss/constructive total loss.","note":null,"quote":"The policy may be cancelled at any time by the Insured for any reason by informing the Company. ... Refund proportion premium for unexpired policy period, provided there is no claims(s) made during the policy period. ... Cancellation Due to Total Loss / Constructive Total Loss: ... Loss of the Insured Vehicle, the premium will be retained in full.","sources":[{"clause":"5(b)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/new-india-assurance/two-wheeler-irdan190rp0043v01100001/document/13607#c-5-b-3"},{"clause":"5(a)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/new-india-assurance/two-wheeler-irdan190rp0043v01100001/document/13607#c-5-a-4"},{"clause":"5(b)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/new-india-assurance/two-wheeler-irdan190rp0043v01100001/document/13607#c-5-b-4"}],"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 wording excludes loss outside the Geographical Area but does not list the geographical area. The CIS states add-on covers are within India only, but does not clearly state the base policy territory.","quote":null,"sources":[],"law":[]},{"key":"cover_types","label":"Cover types","section":"Cover","meaning":"Comprehensive, standalone own damage, third-party only.","status":"quote-verified","value":["Two Wheeler Package policy","Own Damage","Liability to Third Parties"],"display":"Package policy with own damage and third-party liability; personal accident for owner-driver is included as a benefit section if applicable.","note":null,"quote":"Two Wheeler Package policy ... Indemnity Basis: Section I Own Damage and Section II Liability to Third Parties Benefit Basis: Section III Personal Accident Cover for Owner-driver","sources":[{"clause":"Row 1","heading":"Name of Insurance Product","page":1,"url":"https://indiainsurances.com/policy/new-india-assurance/two-wheeler-irdan190rp0043v01100001/document/13608#c-row-1"},{"clause":"Row 3","heading":"Structure","page":1,"url":"https://indiainsurances.com/policy/new-india-assurance/two-wheeler-irdan190rp0043v01100001/document/13608#c-row-3"}],"law":[]},{"key":"third_party","label":"Third-party liability","section":"Cover","meaning":"Compulsory cover for injury, death or property damage to others. Unlimited for death and injury.","status":"quote-verified","value":"The policy covers legal liability for death of or bodily injury to any person and damage to third-party property. The CIS states no limit for third-party death/bodily injury and up to INR 1 lakhs for third-party property damage.","display":"Death/bodily injury: no limit; third-party property damage: up to INR 1 lakhs.","note":null,"quote":"death of or bodily injury to any person including occupants carried in the insured vehicle ... Damage to property other than property belonging to the insured or held in trust or in the custody or control of the insured. ... For Third Party Death / bodily injury – No Limit For Third Party Property Damage- Upto INR 1 lakhs","sources":[{"clause":"1(i)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/new-india-assurance/two-wheeler-irdan190rp0043v01100001/document/13607#c-1-i"},{"clause":"1(ii)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/new-india-assurance/two-wheeler-irdan190rp0043v01100001/document/13607#c-1-ii"},{"clause":"Row 5","heading":"Sum Insured / Motor Insured Declared Value Scope","page":1,"url":"https://indiainsurances.com/policy/new-india-assurance/two-wheeler-irdan190rp0043v01100001/document/13608#c-row-5"}],"law":[{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch V, I, Paras 1 to 4","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch V, I, Para 7","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 146","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 147","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 150","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 157","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 164","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 161","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 166(3)","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 162","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"idv","label":"Insured declared value (IDV)","section":"Cover","meaning":"The vehicle's insured value: maximum paid for theft or total loss.","status":"quote-verified","value":"IDV is deemed to be the sum insured, fixed at the commencement of each policy period on the basis of the manufacturer's listed selling price of the brand and model, adjusted for depreciation. It is treated as market value throughout the policy period for total loss or constructive total loss claims.","display":"IDV is the sum insured, fixed at the start of each policy period from the manufacturer's listed selling price adjusted for depreciation; treated as Market Value for TL/CTL claims.","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 ... and adjusted for depreciation ... IDV shall be treated as the ‘Market Value’ throughout the policy period without any further depreciation for the purpose of Total Loss (TL) / Constructive Total Loss (CTL) claims.","sources":[{"clause":null,"heading":"SUM INSURED – INSURED’S DECLARED VALUE (IDV)","page":1,"url":"https://indiainsurances.com/policy/new-india-assurance/two-wheeler-irdan190rp0043v01100001/document/13607#c-sum-insured-insureds-declared-value-idv"},{"clause":"5","heading":"Rate of depreciation for painting: In the case of painting, the","page":1,"url":"https://indiainsurances.com/policy/new-india-assurance/two-wheeler-irdan190rp0043v01100001/document/13607#c-5"}],"law":[]},{"key":"depreciation","label":"Depreciation on parts","section":"Limits and co-pay","meaning":"How much of the cost of replaced parts you bear because of age (unless you have zero depreciation).","status":"quote-verified","value":"For replaced parts, depreciation is 50% for rubber/nylon/plastic parts, tyres, tubes, batteries and airbags; 30% for fibre glass components; nil for glass; and 50% on the material cost of painting charges.","display":"Parts depreciation: rubber/nylon/plastic parts, tyres, tubes, batteries and airbags 50%; fibre glass 30%; glass nil; painting material cost 50%.","note":null,"quote":"bags - 50% 2. For fibre glass components | - 30% ... For all parts made of glass - Nil ... Rate of depreciation for painting: In the case of painting, the ... depreciation rate of 50% shall be applied only on the material cost of total painting charges.","sources":[{"clause":"1","heading":"For all rubber/nylon/plastic parts, tyres, tubes, batteries and air","page":1,"url":"https://indiainsurances.com/policy/new-india-assurance/two-wheeler-irdan190rp0043v01100001/document/13607#c-1"},{"clause":"3","heading":"For all parts made of glass - Nil","page":1,"url":"https://indiainsurances.com/policy/new-india-assurance/two-wheeler-irdan190rp0043v01100001/document/13607#c-3"},{"clause":"5","heading":"Rate of depreciation for painting: In the case of painting, the","page":1,"url":"https://indiainsurances.com/policy/new-india-assurance/two-wheeler-irdan190rp0043v01100001/document/13607#c-5"}],"law":[]},{"key":"ncb","label":"No-claim bonus","section":"Cover","meaning":"Discount on own-damage premium for claim-free years (20% to 50%).","status":"quote-verified","value":"NCB on the own damage section is allowed if no claim is made or pending during the preceding year or years: 20% after one full year, 25% after 2 consecutive years, 35% after 3, 45% after 4 and 50% after 5. Maximum NCB is 50% and entitlement arises only at renewal after expiry of the full policy duration.","display":"20% / 25% / 35% / 45% / 50% after 1 / 2 / 3 / 4 / 5 claim-free years; maximum 50%, available at renewal.","note":null,"quote":"The insured is entitled for a No Claim Bonus (NCB) on the Own Damage section of the policy, if no claim is made or pending during the preceding year (s), as per the following table: ... No claim made or pending during the | 20% ... No claim made or pending during the preceding 2 consecutive years of insurance | 25% ... No claim made or pending during the | 35% ... No claim made or pending during the preceding 4 consecutive years of insurance | 45% ... No claim made or pending during the | 50% ... Maximum NCB that can be earned by an Insured is 50%. ... 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":"5(b)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/new-india-assurance/two-wheeler-irdan190rp0043v01100001/document/13607#c-5-b-4"},{"clause":"8(c)(i)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/new-india-assurance/two-wheeler-irdan190rp0043v01100001/document/13607#c-8-c-i"},{"clause":"8(c)(ii)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/new-india-assurance/two-wheeler-irdan190rp0043v01100001/document/13607#c-8-c-ii"}],"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":"Compulsory deductible applies only to Section I loss of or damage to the vehicle; for Two Wheeler the CIS loss participation row states Rs.100.","display":"Rs.100 for Two Wheeler, applicable only to Section I.","note":"A sample calculation in the CIS uses ₹2,000, but the Two Wheeler loss participation row states Rs.100.","quote":"Compulsory Deductible is applicable only for Section-I of the Policy. | Damage to The Two Wheeler | Vehicle Insured Rs.100 ... D | Less: Compulsory Deductible | (₹2,000)","sources":[{"clause":null,"heading":"7. Road Tax cover","page":4,"url":"https://indiainsurances.com/policy/new-india-assurance/two-wheeler-irdan190rp0043v01100001/document/13608#c-7-road-tax-cover-2"},{"clause":"9(b)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/new-india-assurance/two-wheeler-irdan190rp0043v01100001/document/13608#c-9-b"}],"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":"not-stated","value":null,"display":null,"note":"The policy mentions a deductible stated in the schedule and a compulsory deductible, but does not state any voluntary deductible option.","quote":null,"sources":[],"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 owner-driver pays up to Rs. 15 lakh in a policy period for death or specified permanent disablement from violent accidental external and visible means, subject to the owner-driver being the registered owner, the named insured and holding an effective driving licence.","display":"Up to Rs. 15 lakh during any one period of insurance; 100% for death, loss of two limbs/two eyes/one limb and one eye, or permanent total disablement; 50% for loss of one limb or one eye.","note":"The CIS describes the cover as applicable if opted and shown in the policy schedule.","quote":"death sustained by the ownerdriver of the vehicle in direct connection with the vehicle insured ... Nature of injury | Scale of compensation ... i. Death | 100% ... ii. Loss of two limbs or sight of two eyes or one limb and sight of one eye. | 100% ... iii. Loss of one limb or sight of one eye | 50% ... 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. ... the owner-driver is the registered owner of the vehicle insured herein; ... the owner-driver is the insured named in this policy. ... the owner-driver holds an effective driving license","sources":[{"clause":"Section III","heading":"PERSONAL ACCIDENT COVER FOR OWNER-DRIVER","page":2,"url":"https://indiainsurances.com/policy/new-india-assurance/two-wheeler-irdan190rp0043v01100001/document/13607#c-section-iii"},{"clause":"1","heading":"The Company shall not be liable in respect of death injury or","page":2,"url":"https://indiainsurances.com/policy/new-india-assurance/two-wheeler-irdan190rp0043v01100001/document/13607#c-1-3"},{"clause":"2","heading":"The Company will pay all costs and expenses incurred with","page":2,"url":"https://indiainsurances.com/policy/new-india-assurance/two-wheeler-irdan190rp0043v01100001/document/13607#c-2"},{"clause":"5","heading":"The Company may at its own option","page":2,"url":"https://indiainsurances.com/policy/new-india-assurance/two-wheeler-irdan190rp0043v01100001/document/13607#c-5-2"},{"clause":"5(a)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/new-india-assurance/two-wheeler-irdan190rp0043v01100001/document/13607#c-5-a"},{"clause":"5(b)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/new-india-assurance/two-wheeler-irdan190rp0043v01100001/document/13607#c-5-b"},{"clause":"5(c)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/new-india-assurance/two-wheeler-irdan190rp0043v01100001/document/13607#c-5-c"}],"law":[{"title":"Enhancement of Capital Sum Insured in Compulsory Personal Accident Cover for Owner-Driver under Motor Insurance Policies","section":"Para 4(i) to (iii)","url":"https://indiainsurances.com/law/irdai-motor-cpa-2018"},{"title":"Compulsory Personal Accident Insurance for Owner-Driver under Motor Insurance","section":"Paras 1 and 2","url":"https://indiainsurances.com/law/irdai-motor-cpa-choice-2018"},{"title":"Cover for Compulsory Personal Accident (CPA) for Owner-Driver under Motor Insurance Policies","section":"Para 3","url":"https://indiainsurances.com/law/irdai-motor-cpa-standalone-2018"},{"title":"Cover for Compulsory Personal Accident (CPA) for Owner-Driver under Motor Insurance Policies","section":"Para 4(iv) to (viii)","url":"https://indiainsurances.com/law/irdai-motor-cpa-standalone-2018"}]},{"key":"addons","label":"Add-ons offered","section":"Cover","meaning":"Zero depreciation, engine protect, return to invoice, roadside assistance, consumables...","status":"quote-verified","value":["Nil Depreciation Cover","Consumable Items","Engine Protect","Return to Invoice","Road Side Assistance(Basic/Gold)","No Claim Bonus Protection Cover","Road Tax cover"],"display":"Nil Depreciation, Consumables, Engine Protect, Return to Invoice, Road Side Assistance (Basic/Gold), No Claim Bonus Protection and Road Tax cover.","note":"Only add-on covers opted by the insured and mentioned in the policy schedule apply.","quote":"1. Nil Depreciation Cover ... 2. Consumable Items ... 3. Engine Protect ... 4. Return to Invoice ... 5. Road Side Assistance(Basic/Gold) ... 6. No Claim Bonus Protection Cover ... 7. Road Tax cover","sources":[{"clause":null,"heading":"1. Nil Depreciation Cover","page":3,"url":"https://indiainsurances.com/policy/new-india-assurance/two-wheeler-irdan190rp0043v01100001/document/13608#c-1-nil-depreciation-cover"},{"clause":null,"heading":"2. Consumable Items","page":3,"url":"https://indiainsurances.com/policy/new-india-assurance/two-wheeler-irdan190rp0043v01100001/document/13608#c-2-consumable-items"},{"clause":null,"heading":"3. Engine Protect","page":3,"url":"https://indiainsurances.com/policy/new-india-assurance/two-wheeler-irdan190rp0043v01100001/document/13608#c-3-engine-protect"},{"clause":null,"heading":"4. Return to Invoice","page":3,"url":"https://indiainsurances.com/policy/new-india-assurance/two-wheeler-irdan190rp0043v01100001/document/13608#c-4-return-to-invoice"},{"clause":null,"heading":"5. Road Side Assistance(Basic/Gold)","page":3,"url":"https://indiainsurances.com/policy/new-india-assurance/two-wheeler-irdan190rp0043v01100001/document/13608#c-5-road-side-assistance-basic-gold"},{"clause":null,"heading":"6. No Claim Bonus Protection Cover","page":4,"url":"https://indiainsurances.com/policy/new-india-assurance/two-wheeler-irdan190rp0043v01100001/document/13608#c-6-no-claim-bonus-protection-cover"},{"clause":null,"heading":"7. Road Tax cover","page":4,"url":"https://indiainsurances.com/policy/new-india-assurance/two-wheeler-irdan190rp0043v01100001/document/13608#c-7-road-tax-cover"}],"law":[]},{"key":"cashless_garages","label":"Cashless garages","section":"Claims","meaning":"Whether repairs can be cashless at network garages.","status":"quote-verified","value":"Cashless service is available through network garages: after repair invoice submission for a cashless claim, a delivery order is shared with the workshop and the insurance claim amount is paid directly to the network garage.","display":"Yes, for cashless claims at network garages; the claim amount is paid directly to the network garage.","note":null,"quote":"Details of procedure to be followed for cashless service as well as for reimbursement of claim ... Upon submission of repair invoice to Insurance Company in case of cashless claims, delivery order is shared with workshop, post which Insured can take delivery of vehicle. The insurance claim amount will be paid directly to the network garage.","sources":[{"clause":"9(b)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/new-india-assurance/two-wheeler-irdan190rp0043v01100001/document/13608#c-9-b"}],"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":["outside the Geographical Area","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","consequential loss, depreciation, wear and tear, mechanical or electrical breakdown, failures or breakages","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 stolen at the same time","under the influence of intoxicating liquor or drugs","ionising radiations or contamination by radioactivity","war, invasion, the act of foreign enemies, hostilities or warlike operations"],"display":"Outside geographical area, contractual liability, use outside limitations, non-driver/invalid driver use, wear and tear or mechanical/electrical breakdown, tyre/tube damage unless vehicle also damaged, accessories theft unless vehicle stolen, drunk/drug driving, nuclear/radioactivity and war risks.","note":null,"quote":"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 ... consequential loss, depreciation, wear and tear, mechanical or electrical breakdown, failures or breakages; ... 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 stolen at the same time ... under the influence of intoxicating liquor or drugs. ... ionising radiations or contamination by radioactivity ... war, invasion, the act of foreign enemies, hostilities or warlike operations","sources":[{"clause":null,"heading":"GENERAL EXCEPTIONS","page":3,"url":"https://indiainsurances.com/policy/new-india-assurance/two-wheeler-irdan190rp0043v01100001/document/13607#c-general-exceptions"},{"clause":"5(a)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/new-india-assurance/two-wheeler-irdan190rp0043v01100001/document/13607#c-5-a-2"},{"clause":"5(b)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/new-india-assurance/two-wheeler-irdan190rp0043v01100001/document/13607#c-5-b-2"},{"clause":"4","heading":"Rate of depreciation for all other parts including wooden parts","page":1,"url":"https://indiainsurances.com/policy/new-india-assurance/two-wheeler-irdan190rp0043v01100001/document/13607#c-4"}],"law":[]},{"key":"sum_insured_basis","label":"Sum insured basis","section":"Cover","meaning":"How the cover amount is set: market value, reinstatement value, agreed value, IDV.","status":"quote-verified","value":"The sum insured basis is the Insured's Declared Value (IDV). It is fixed at commencement of each policy period on the basis of the manufacturer's listed selling price adjusted for depreciation and is treated as market value for total loss and constructive total loss claims.","display":"IDV basis: manufacturer's listed selling price adjusted for depreciation; treated as Market Value for TL/CTL claims.","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 ... and adjusted for depreciation ... IDV shall be treated as the ‘Market Value’ throughout the policy period without any further depreciation for the purpose of Total Loss (TL) / Constructive Total Loss (CTL) claims.","sources":[{"clause":null,"heading":"SUM INSURED – INSURED’S DECLARED VALUE (IDV)","page":1,"url":"https://indiainsurances.com/policy/new-india-assurance/two-wheeler-irdan190rp0043v01100001/document/13607#c-sum-insured-insureds-declared-value-idv"},{"clause":"5","heading":"Rate of depreciation for painting: In the case of painting, the","page":1,"url":"https://indiainsurances.com/policy/new-india-assurance/two-wheeler-irdan190rp0043v01100001/document/13607#c-5"}],"law":[]}],"documents":[{"kind":"wording","label":"Standard Form For Two Wheeler Base Package Policy","pages":6,"fetched_at":"2026-10-17 19:57:24+00","source_url":"https://www.newindia.co.in/assets/docs/know-more/motor/STANDARD%20FORM%20FOR%20TWO%20WHEELERS%20BASE%20PACKAGE%20POLICY.pdf","url":"https://indiainsurances.com/policy/new-india-assurance/two-wheeler-irdan190rp0043v01100001/document/13607"},{"kind":"cis","label":"Customer Information Sheet (CIS) Two Wheeler Package Policy","pages":9,"fetched_at":"2026-10-17 19:57:34+00","source_url":"https://www.newindia.co.in/assets/docs/know-more/motor/Customer%20Information%20Sheet%20%28CIS%29%20Two%20Wheeler%20Package%20Policy.pdf","url":"https://indiainsurances.com/policy/new-india-assurance/two-wheeler-irdan190rp0043v01100001/document/13608"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"New India Assurance official website","url":"https://www.newindia.co.in/","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":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"insurer","name":"Grievance redressal","url":"https://www.newindia.co.in/grievance","note":null},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"Two Wheeler (UIN IRDAN190RP0043V01100001), IndiaInsurances, https://indiainsurances.com/policy/new-india-assurance/two-wheeler-irdan190rp0043v01100001"}