{"uin":"IRDAN556RPMT007V03202526","name":"Long Term Nil Depreciation (NDC) Private Car package Policy","url":"https://indiainsurances.com/policy/oriental-insurance/long-term-nil-depreciation-ndc-private-car-package-policy-irdan556rpmt007v03202526","insurer":{"slug":"oriental-insurance","name":"The Oriental Insurance Company Limited","url":"https://indiainsurances.com/insurer/oriental-insurance"},"line":"general","category":"motor-car","category_name":"Car insurance","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"This is a comprehensive private car long term package policy for brand new vehicles with own damage, third-party liability and optional personal accident cover. The policy term is 3 years for Sections I and II, and nil depreciation applies to the first two partial loss claims per year.","analysis":{"state":"machine","analysed_at":"2026-10-20 05:41:12.786866+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"Section I and Section II each run for 3 years from policy inception.","display":"Section I: 3 years; Section II: 3 years","note":"The term for Section III is not stated.","quote":"For Section I: 3 years from policy inception For Section II: 3 years from policy inception","sources":[{"clause":null,"heading":"What is the term of the policy?","page":1,"url":"https://indiainsurances.com/policy/oriental-insurance/long-term-nil-depreciation-ndc-private-car-package-policy-irdan556rpmt007v03202526/document/13756#c-what-is-the-term-of-the-policy"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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"],"display":"For insured-authorised repairs up to Rs.500/-, a detailed estimate of the cost of repairs","note":"Only stated for repairs authorised by the insured where the estimated cost including replacements does not exceed Rs.500/-.","quote":"I c. The insured may authorize the repair of the vehicle necessitated by damage for which the Company may be liable under this Policy provided that:-\na) the estimated cost of such repair including replacements, if any, does not exceed Rs.500/-\nb) the Company is furnished forthwith a detailed estimate of the cost of repairs","sources":[{"clause":null,"heading":"What are the exclusions under Section I of this policy?","page":3,"url":"https://indiainsurances.com/policy/oriental-insurance/long-term-nil-depreciation-ndc-private-car-package-policy-irdan556rpmt007v03202526/document/13756#c-what-are-the-exclusions-under-section-i-of-this"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Consequential loss, depreciation, wear and tear, mechanical or electrical breakdown failures or breakages","damage to Tyres and Tubes unless the vehicle insured is damaged at the same time","under the influence of intoxicating liquor or drugs","Depreciation towards replacement of accessories, internal improvements and/ or extra fittings","Losses covered under any other type of insurance policy or manufacturer’s warranty or recall campaign","Sports and Racing","any geographical area outside India"],"display":"Consequential loss, tyre and tube damage unless the vehicle is also damaged, drunk or drugged driving, depreciation on accessories or extra fittings unless covered, losses covered elsewhere, sports and racing, and accidents outside India","note":null,"quote":"a) Consequential loss, depreciation, wear and tear, mechanical or electrical breakdown failures or breakages; ... b) damage to Tyres and Tubes unless the vehicle insured is damaged at the same time in which case the liability of the company shall be limited to 50% of the cost of replacement. ... c) any accidental loss or damage suffered whilst the insured or any person driving the vehicle with the knowledge and consent of the insured is under the influence of intoxicating liquor or drugs. ... d) Depreciation towards replacement of accessories, internal improvements and/ or extra fittings in the Insured Vehicle unless specifically covered under the policy. ... e) Losses covered under any other type of insurance policy or manufacturer’s warranty or recall campaign at the time of happening of any loss or damage. ... f) Cover will not be available whilst the vehicle is being used for Sports and Racing. ... g) In relation to any accident occurring in any geographical area outside India.","sources":[{"clause":null,"heading":"What are the exclusions under Section I of this policy?","page":3,"url":"https://indiainsurances.com/policy/oriental-insurance/long-term-nil-depreciation-ndc-private-car-package-policy-irdan556rpmt007v03202526/document/13756#c-what-are-the-exclusions-under-section-i-of-this"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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 or lightning; burglary, housebreaking or theft; riot and strike; earthquake; flood and storm perils; accidental external means; malicious act; terrorist activity; transit; landslide and rockslide","note":null,"quote":"i. by fire, explosion, self -ignition or lightning;\nii. by burglary, housebreaking, or theft;\niii. by riot and strike;\niv. by earthquake (fire and shock damage);\nv. by flood, typhoon, hurricane, storm, tempest, inundation, cyclone, hailstorm, frost;\nvi. by accidental external means;\nvii. by malicious act;\nviii. by terrorist activity;\nix. whilst in transit by road, rail, inland- waterway lift elevator or air;\nx. by landslide, rockslide.","sources":[{"clause":null,"heading":"What is the coverage available under Section I of this policy?","page":2,"url":"https://indiainsurances.com/policy/oriental-insurance/long-term-nil-depreciation-ndc-private-car-package-policy-irdan556rpmt007v03202526/document/13756#c-what-is-the-coverage-available-under-section-i-o"}],"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 policyholder can cancel any time during the policy term. If cancelled, the company refunds premium for unexpired policy year(s) proportionately if no claim has been made in that policy year and risk coverage for that period has not commenced; if a claim has been made, refund is limited to subsequent policy year(s) not yet commenced. Advance premium is apportioned as First Year 36%, Second Year 33%, Third Year 31%.","display":"Policyholder may cancel any time; refund for unexpired policy year(s) proportionately if no claim in that policy year and risk coverage has not commenced, with advance premium apportioned 36%, 33%, 31%","note":null,"quote":"I) Policy can be cancelled by the policyholder any time during the term of the policy. ... a) If the policy is cancelled, the Company shall refund the premium for the unexpired policy year(s) on proportionate basis, provided that no claim has been made in that policy year and risk coverage for that period has not commenced.\nb) If a claim has been made in any policy year, the refund will be limited to the premium attributable to the subsequent policy year(s) that have not yet commenced.\nc) For refund calculation, the advance premium shall be apportioned as follows:\nA. First Year: 36% B. Second Year: 33% C. Third Year: 31%","sources":[{"clause":null,"heading":"How to cancel this policy?","page":5,"url":"https://indiainsurances.com/policy/oriental-insurance/long-term-nil-depreciation-ndc-private-car-package-policy-irdan556rpmt007v03202526/document/13756#c-how-to-cancel-this-policy"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"quote-verified","value":"Accidents occurring in any geographical area outside India are excluded.","display":"India only; accidents outside India are excluded","note":"Stated as a Section I exclusion.","quote":"g) In relation to any accident occurring in any geographical area outside India.","sources":[{"clause":null,"heading":"What are the exclusions under Section I of this policy?","page":3,"url":"https://indiainsurances.com/policy/oriental-insurance/long-term-nil-depreciation-ndc-private-car-package-policy-irdan556rpmt007v03202526/document/13756#c-what-are-the-exclusions-under-section-i-of-this"}],"law":[]},{"key":"cover_types","label":"Cover types","section":"Cover","meaning":"Comprehensive, standalone own damage, third-party only.","status":"quote-verified","value":["Own Damage","legally mandated third-party liability","Personal Accident Cover (optional)"],"display":"Comprehensive package: Own Damage, third-party liability and optional Personal Accident Cover","note":null,"quote":"The Section I of this Policy covers Own Damage losses to the insured vehicle. Section II of this policy covers legally mandated third-party liability. Section III of this policy covers Personal Accident Cover (optional).","sources":[{"clause":null,"heading":"Why opt for Nil-depreciation Comprehensive Private Car Long Term Package Policy?","page":1,"url":"https://indiainsurances.com/policy/oriental-insurance/long-term-nil-depreciation-ndc-private-car-package-policy-irdan556rpmt007v03202526/document/13756#c-why-opt-for-nil-depreciation-comprehensive-priva"}],"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":"Section II covers third-party liability for sums the insured becomes legally liable to pay for death of or bodily injury to any person, including occupants not carried for hire or reward, 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 third parties and damage to third-party property","note":"The brochure says the cover is subject to limits in the schedule; it does not print the monetary limits.","quote":"Section II of the policy covers Third Party liability as per the following terms:\n1. 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 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 vehicle (provided such occupants are not carried for hire or reward) ... ii) damage to property other than property belonging to the insured or held in trust or in the custody or control of the insured.","sources":[{"clause":null,"heading":"Is third party liability covered in this policy?","page":4,"url":"https://indiainsurances.com/policy/oriental-insurance/long-term-nil-depreciation-ndc-private-car-package-policy-irdan556rpmt007v03202526/document/13756#c-is-third-party-liability-covered-in-this-policy"},{"clause":"7(c)(i)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/oriental-insurance/long-term-nil-depreciation-ndc-private-car-package-policy-irdan556rpmt007v03202526/document/13756#c-7-c-i"},{"clause":"7(c)(ii)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/oriental-insurance/long-term-nil-depreciation-ndc-private-car-package-policy-irdan556rpmt007v03202526/document/13756#c-7-c-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 (IDV) is deemed the sum insured, fixed at commencement of each policy period based on the manufacturer's listed selling price adjusted for depreciation. For total loss, theft or constructive total loss, the company's maximum liability is the IDV mentioned in the policy.","display":"IDV is the sum insured and the maximum liability for total loss, theft or constructive total loss","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. ... For Total Loss/Theft/Constructive Total Loss of vehicle the maximum liability of the Company will be Insured Declared Value (IDV) mentioned in the policy.","sources":[{"clause":null,"heading":"What is the Sum Insured under this policy?","page":1,"url":"https://indiainsurances.com/policy/oriental-insurance/long-term-nil-depreciation-ndc-private-car-package-policy-irdan556rpmt007v03202526/document/13756#c-what-is-the-sum-insured-under-this-policy"},{"clause":null,"heading":"Are there any special conditions applicable to this policy?","page":3,"url":"https://indiainsurances.com/policy/oriental-insurance/long-term-nil-depreciation-ndc-private-car-package-policy-irdan556rpmt007v03202526/document/13756#c-are-there-any-special-conditions-applicable-to-t"}],"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":"No depreciation is deducted for partial loss or damage to the insured vehicle for the first two partial loss claims per year of the 3-year policy period. For the third and subsequent claims, depreciation applies: 50% for rubber, nylon, plastic parts, tyres and tubes, batteries and air bags; 30% for fibre glass components; Nil for glass; age-based rates for other parts; and 50% on material cost of painting.","display":"No depreciation for the first two partial loss claims per year; depreciation applies from the third claim","note":"For other parts including wooden parts, the printed rates are NIL up to 6 months, 5% after 6 months up to 1 year, 10% after 1 year up to 2 years, and 15% after 2 years up to 3 years.","quote":"No depreciation shall be deducted for partial loss/damage to the insured vehicle and for arriving at aggregate cost of repair for total loss or constructive total loss provided the loss is admitted under the own damage section of the policy subject to the following conditions: ... b. The coverage is applicable only for first two partial loss claims per year of the policy period of 3 years admissible under Section I of the Policy. For third and/or more claim(s), as the case may be, under this policy the following depreciation shall be applicable :- ... For all rubber/ nylon/ plastic parts, tyres and tubes, batteries and air bags -50% ... For fibre glass components - 30% ... For all parts made of glass – Nil ... Rate of depreciation for all other parts including wooden parts will be as per the following schedule depending on Age of Vehicle :- ... 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":null,"heading":"What is the coverage available under Section I of this policy?","page":2,"url":"https://indiainsurances.com/policy/oriental-insurance/long-term-nil-depreciation-ndc-private-car-package-policy-irdan556rpmt007v03202526/document/13756#c-what-is-the-coverage-available-under-section-i-o"},{"clause":"1","heading":"For all rubber/ nylon/ plastic parts, tyres and tubes, batteries and air bags -50%","page":2,"url":"https://indiainsurances.com/policy/oriental-insurance/long-term-nil-depreciation-ndc-private-car-package-policy-irdan556rpmt007v03202526/document/13756#c-1"},{"clause":"2","heading":"For fibre glass components - 30%","page":2,"url":"https://indiainsurances.com/policy/oriental-insurance/long-term-nil-depreciation-ndc-private-car-package-policy-irdan556rpmt007v03202526/document/13756#c-2"},{"clause":"3","heading":"For all parts made of glass – Nil","page":2,"url":"https://indiainsurances.com/policy/oriental-insurance/long-term-nil-depreciation-ndc-private-car-package-policy-irdan556rpmt007v03202526/document/13756#c-3"},{"clause":"4","heading":null,"page":2,"url":"https://indiainsurances.com/policy/oriental-insurance/long-term-nil-depreciation-ndc-private-car-package-policy-irdan556rpmt007v03202526/document/13756#c-4"},{"clause":"5","heading":"Rate of Depreciation for Painting","page":2,"url":"https://indiainsurances.com/policy/oriental-insurance/long-term-nil-depreciation-ndc-private-car-package-policy-irdan556rpmt007v03202526/document/13756#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":"On renewal with the company after the 3-year policy period, the no-claim bonus on own damage premium excluding add-on cover premium is 50% for no claim made or pending, 20% for one claim made or pending, and NIL for two or more claims made or pending during the preceding 3 consecutive years.","display":"At renewal after 3 years: 50% for no claim, 20% for one claim, NIL for two or more claims","note":null,"quote":"In case the policy is renewed with the Company after the end of the policy period of three\nyears, then the insured will be eligible for the following No Claims Bonus on Own Damage premium of the Policy excluding Add on covers premium:\nOwn Damage claim status | NCB at Renewal\nNo claim made or pending during preceding 3 consecutive years of insurance | 50%\nOne claim made or pending during preceding 3 consecutive years of insurance | 20%\nTwo or more claims made or pending during preceding 3 consecutive years of insurance | NIL","sources":[{"clause":"7","heading":"In case the policy is renewed with the Company after the end of the policy period of three","page":3,"url":"https://indiainsurances.com/policy/oriental-insurance/long-term-nil-depreciation-ndc-private-car-package-policy-irdan556rpmt007v03202526/document/13756#c-7"}],"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":null,"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":"not-stated","value":null,"display":null,"note":null,"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":"Section III covers Personal Accident Cover and it is optional.","display":"Personal Accident Cover (optional)","note":"The brochure does not state owner-driver personal accident terms or sum insured.","quote":"Section III of this policy covers Personal Accident Cover (optional).","sources":[{"clause":null,"heading":"Why opt for Nil-depreciation Comprehensive Private Car Long Term Package Policy?","page":1,"url":"https://indiainsurances.com/policy/oriental-insurance/long-term-nil-depreciation-ndc-private-car-package-policy-irdan556rpmt007v03202526/document/13756#c-why-opt-for-nil-depreciation-comprehensive-priva"}],"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":["built-in nil-depreciation cover","Option I – up to 3rd claim","Option II – up to 4th claim"],"display":"Built-in nil-depreciation cover; paid options up to 3rd claim or 4th claim","note":"Nil-depreciation is built into this product; Option I and Option II are stated as add-on options on payment of additional premium.","quote":"The Own Damage Section of this product has the unique advantage of a built-in nil-depreciation cover ... This policy also has Add- on options on payment of additional premium as under\n• Option I – up to 3rd claim\n• Option II – up to 4th claim","sources":[{"clause":null,"heading":"Why opt for Nil-depreciation Comprehensive Private Car Long Term Package Policy?","page":1,"url":"https://indiainsurances.com/policy/oriental-insurance/long-term-nil-depreciation-ndc-private-car-package-policy-irdan556rpmt007v03202526/document/13756#c-why-opt-for-nil-depreciation-comprehensive-priva"},{"clause":"6","heading":"This policy also has Add- on options on payment of additional premium as under","page":2,"url":"https://indiainsurances.com/policy/oriental-insurance/long-term-nil-depreciation-ndc-private-car-package-policy-irdan556rpmt007v03202526/document/13756#c-6"}],"law":[]},{"key":"cashless_garages","label":"Cashless garages","section":"Claims","meaning":"Whether repairs can be cashless at network garages.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"motor_exclusions","label":"Main motor exclusions","section":"Exclusions","meaning":"No valid licence, drunk driving, use outside the permitted purpose, wear and tear...","status":"quote-verified","value":["Consequential loss, depreciation, wear and tear, mechanical or electrical breakdown failures or breakages","damage to Tyres and Tubes unless the vehicle insured is damaged at the same time","under the influence of intoxicating liquor or drugs","Depreciation towards replacement of accessories, internal improvements and/ or extra fittings","Losses covered under any other type of insurance policy or manufacturer’s warranty or recall campaign","Sports and Racing","any geographical area outside India"],"display":"Consequential loss, tyre and tube damage unless the vehicle is also damaged, drunk or drugged driving, depreciation on accessories or extra fittings unless covered, losses covered elsewhere, sports and racing, and accidents outside India","note":"The brochure does not state exclusions for no valid licence.","quote":"a) Consequential loss, depreciation, wear and tear, mechanical or electrical breakdown failures or breakages; ... b) damage to Tyres and Tubes unless the vehicle insured is damaged at the same time in which case the liability of the company shall be limited to 50% of the cost of replacement. ... c) any accidental loss or damage suffered whilst the insured or any person driving the vehicle with the knowledge and consent of the insured is under the influence of intoxicating liquor or drugs. ... d) Depreciation towards replacement of accessories, internal improvements and/ or extra fittings in the Insured Vehicle unless specifically covered under the policy. ... e) Losses covered under any other type of insurance policy or manufacturer’s warranty or recall campaign at the time of happening of any loss or damage. ... f) Cover will not be available whilst the vehicle is being used for Sports and Racing. ... g) In relation to any accident occurring in any geographical area outside India.","sources":[{"clause":null,"heading":"What are the exclusions under Section I of this policy?","page":3,"url":"https://indiainsurances.com/policy/oriental-insurance/long-term-nil-depreciation-ndc-private-car-package-policy-irdan556rpmt007v03202526/document/13756#c-what-are-the-exclusions-under-section-i-of-this"}],"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 (IDV), fixed at commencement of each policy period on the basis of the manufacturer's listed selling price adjusted for depreciation. IDV is treated as market value throughout the policy period for total loss and constructive total loss claims.","display":"IDV based on manufacturer’s listed selling price adjusted for depreciation; treated as Market Value for TL/CTL","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 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 vehicle insured 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":null,"heading":"What is the Sum Insured under this policy?","page":1,"url":"https://indiainsurances.com/policy/oriental-insurance/long-term-nil-depreciation-ndc-private-car-package-policy-irdan556rpmt007v03202526/document/13756#c-what-is-the-sum-insured-under-this-policy"}],"law":[]}],"documents":[{"kind":"brochure","label":"SL_NDC PVT CAR Long Term Package.pdf","pages":5,"fetched_at":"2026-10-17 19:52:56+00","source_url":"https://oicl-cms-media.s3.ap-south-1.amazonaws.com/SL_NDC_PVT_CAR_Long_Term_Package_89a883c910.pdf","url":"https://indiainsurances.com/policy/oriental-insurance/long-term-nil-depreciation-ndc-private-car-package-policy-irdan556rpmt007v03202526/document/13756"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Oriental Insurance official website","url":"https://www.orientalinsurance.org.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":"insurer","name":"Claim forms","url":"https://www.orientalinsurance.org.in/claim-form","note":null},{"purpose":"claim","kind":"insurer","name":"Health claim status","url":"https://www.orientalinsurance.org.in/health-claim-status","note":null},{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"insurer","name":"Grievance redressal","url":"https://www.orientalinsurance.org.in/grievance-redressal","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":"Long Term Nil Depreciation (NDC) Private Car package Policy (UIN IRDAN556RPMT007V03202526), IndiaInsurances, https://indiainsurances.com/policy/oriental-insurance/long-term-nil-depreciation-ndc-private-car-package-policy-irdan556rpmt007v03202526"}