STAND-ALONE OWN DAMAGE TWO WHEELER INSURANCE POLICY WORDING

PRODUCT CODE-3005/O UIN: IRDAN115RP0002V01201920

STANDARD FORM FOR STAND-ALONE OWN DAMAGE TWO WHEELER The Company shall not be liable to make any payment in respect of :
INSURANCE POLICY
1. Consequential loss, depreciation, wear and tear, mechanical or
Whereas the Insured by a proposal and declaration dated as stated in the electrical breakdown failures or breakages.
Schedule which shall be the basis of this contract and is deemed to be
2. Damage to Tyres and Tubes unless the vehicle insured is damaged at the
incorporated herein has applied to the company for insurance hereinafter
same time in which case the liability of the company shall be limited to
contained and has paid the premium mentioned in the schedule as consideration
50% of the cost of replacement.
for such insurance in respect of accident loss or damage occurring during the
Period of Insurance. (The term two wheeler referred to in this Tariff will include 3. Loss of or damage to accessories by burglary housebreaking or theft
motor cycle / scooter / auto cycle or any other motorised two wheeled vehicle unless the vehicle is stolen at the same time ; and
mentioned in the Schedule.)
4. Any accidental loss or damage suffered whilst the insured or any person
NOW THIS POLICY WITNESSETH driving the vehicle with the knowledge and consent of the insured is
under the influence of intoxicating liquor or drugs. In the event of the
That subject to the Terms Exceptions and Conditions contained herein or
vehicle being disabled by reason of loss or damage covered under this
endorsed or otherwise expressed hereon.
Policy the Company will bear the reasonable cost of protection and
SECTION I : LOSS OF OR DAMAGE TO THE VEHICLE INSURED removal to the nearest repairer and of redelivery to the Insured but not
exceeding in all ` 300/-in respect of any one accident.
The Company will indemnify the insured against loss or damage to the vehicle
insured hereunder and/or its accessories whilst thereon The insured may authorise the repair of the vehicle necessitated by damage
for which the Company may be liable under this Policy provided that:-
1. By fire explosion self ignition or lightning;
1. The estimated cost of such repair including replacements, if any, does
2. By burglary housebreaking or theft;
not exceed `150/-
3. By riot and strike;
2. The Company is furnished forthwith a detailed estimate of the cost of
4. By earthquake (fire and shock damage); repairs and
5. By flood typhoon hurricane storm tempest inundation cyclone hailstorm frost; 3. The insured shall give the Company every assistance to see that such
repair is necessary and the charges are reasonable.
6. By accidental external means;
SUM INSURED -INSURED'S DECLARED VALUE (IDV)
7. By malicious act;
The Insured's Declared Value (IDV) of the vehicle will be deemed to be the 'SUM
8. By terrorist activity;
INSURED' for the purpose of this policy which is fixed at the commencement of
9. Whilst in transit by road rail inland-waterway lift elevator or air; 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
10. By landslide rockslide.
manufacturer's listed selling price of the brand and model as the insured vehicle
Subject to a deduction for depreciation at the rates mentioned below in respect at the commencement of insurance/renewal and adjusted for depreciation (as
of parts replaced; per schedule below).
1. For all rubber/ nylon/ plastic parts, tyres, tubes and batteries -50% The schedule of age-wise depreciation as shown below is applicable for the
purpose of Total Loss/Constructive Total Loss (TL/CTL) claims only.
2. For fibre glass components 30%
SCHEDULE OF DEPRECIATION FOR ARRIVING AT IDV
3. For all parts made of glass Nil
AGE OF THE VEHICLE % OF DEPRECIATION
4. Rate of depreciation for all other parts including wooden parts will be as per
FOR FIXING IDV
the following schedule
Not exceeding 6 months 5%
AGE OF THE VEHICLE % OF DEPRECIATION
Exceeding 6 months but not exceeding 1 year 15%
Not exceeding 6 months Nil
Exceeding 1 year but not exceeding 2 years 20%
Exceeding 6 months but not exceeding 1 year 5%
Exceeding 2 years but not exceeding 3 years 30%
Exceeding 1 year but not exceeding 2 years 10%
Exceeding 3 years but not exceeding 4 years 40%
Exceeding 2 years but not exceeding 3 years 15%
Exceeding 4 years but not exceeding 5 years 50%
Exceeding 3 years but not exceeding 4 years 25%
IDV of vehicles beyond 5 years of age and of obsolete models of the vehicles ( i.e.
Exceeding 4 years but not exceeding 5 years 35%
models which the manufacturers have discontinued to manufacture) is to be
Exceeding 5 years but not exceeding 10 years 40% determined on the basis of an understanding between the insurer and the
insured. IDV shall be treated as the 'Market Value' throughout the policy period
Exceeding 10 years 50%
without any further depreciation for the purpose of Total Loss (TL) / Constructive
5. Rate of Depreciation for Painting: In the case of painting, the depreciation Total Loss (CTL) claims. The insured vehicle shall be treated as CTL if the
rate of 50% shall be applied only on the material cost of total painting aggregate cost of retrieval and / or repair of the vehicle, subject to terms and
charges. In case of a consolidated bill for painting charges, the material conditions of the policy, exceeds 75% of the IDV of the vehicle.
component shall be considered as 25% of the total painting charges for the
purpose of applying the depreciation.

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AVOIDANCE OF CERTAIN TERMS AND RIGHT OF RECOVERY immediate notice to the police and co-operate with the Company in securing
the conviction of the offender.
Nothing in this Policy or any endorsement hereon shall affect the right of any
person indemnified by this policy or any other person to recover an amount under Wherever details pertaining to any incident which results in a claim, are
or by virtue of the Provisions of the Motor Vehicles Act. But the Insured shall conveyed by the insured to the insurer after reasonable period, insured shall
repay to the Company all sums paid by the Company which the Company would provide the reasons of such delay to the insurer and insurer may on analysis
not have been liable to pay but for the said provision. of reasons provided by insured, condone the delay in intimation of claim or
delay in providing the required information/documents to the insurer.
APPLICATION OF LIMITS OF INDEMNITY
2) No admission offer promise payment or indemnity shall be made or given by
In the event of any accident involving indemnity to more than one person any
or on behalf of the Insured without the written consent of the Company
limitation by the terms of this Policy and/or of any Endorsement thereon of the
which shall be entitled if it so desires to take over and conduct in the name of
amount of any indemnity shall apply to the aggregate amount of indemnity to all
the Insured the defence or settlement of any claim or to prosecute in the
persons indemnified and such indemnity shall apply in priority to the insured.
name of the Insured for its own benefit any claim for indemnity or damages
GENERAL EXCEPTIONS or otherwise and shall have full discretion in the conduct of any proceedings
or in the settlement of any claim and the Insured shall give all such
(Applicable to all Sections of the Policy)
information and assistance as the Company may require.
The Company shall not be liable under this Policy in respect of
3) The Company may at its own option repair reinstate or replace the vehicle or
1. Any accidental loss or damage and/or liability caused sustained or incurred part thereof and/or its accessories or may pay in cash the amount of the loss
outside the geographical area; or damage and the liability of the Company shall not exceed:
2. Any claim arising out of any contractual liability; a. For total loss / constructive total loss of the vehicle -the Insured's
Declared Value (IDV) of the vehicle (including accessories thereon) as
3. Any accidental loss damage and/or liability caused sustained or incurred
specified in the Schedule less the value of the wreck.
whilst the vehicle insured herein is
b. For partial losses, i.e. losses other than Total Loss/Constructive Total
a) Being used otherwise than in accordance with the .Limitations as to
Loss of the vehicle -actual and reasonable costs of repair and/or
Use. or
replacement of parts lost/damaged subject to depreciation as per limits
b) Being driven by or is for the purpose of being driven by him/her in the specified.
charge of any person other than a Driver as stated in the Driver’s Clause.
4) The Insured shall take all reasonable steps to safeguard the vehicle from loss
4. a) Any accidental loss or damage to any property whatsoever or any loss or or damage and to maintain it in efficient condition and the Company shall
expense whatsoever resulting or arising there from or any consequential have at all times free and full access to examine the vehicle or any part
loss thereof or any driver or employee of the insured. In the event of any accident
or breakdown, the vehicle shall not be left unattended without proper
b) Any liability of whatsoever nature directly or indirectly caused by or
precautions being taken to prevent further damage or loss and if the vehicle
contributed to by or arising from ionising radiations or contamination by
be driven before the necessary repairs are effected any extension of the
radioactivity from any nuclear fuel or from any nuclear waste from the
damage or any further damage to the vehicle shall be entirely at the insured's
combustion of nuclear fuel. For the purpose of this exception
own risk.
combustion shall include any self-sustaining process of nuclear fission.
5) The Company may cancel the policy by sending seven days’ notice by
5. Any accidental loss or damage or liability directly or indirectly caused by or
recorded delivery to the insured at insured's last known address and in such
contributed to by or arising from nuclear weapons material.
event will return to the insured the premium paid less the pro rata portion
6. Any accidental loss damage and/or liability directly or indirectly or thereof for the period the Policy has been in force or the policy may be
proximately or remotely occasioned by contributed to by or traceable to or cancelled at any time by the insured on seven days' notice by recorded
arising out of or in connection with war, invasion, the act of foreign enemies, delivery and provided no claim has arisen during the currency of the policy,
hostilities or warlike operations (whether before or after declaration of war) the insured shall be entitled to a return of premium less premium at the
civil war, mutiny rebellion, military or usurped power or by any direct or Company's Short Period rates for the period the Policy has been in force.
indirect consequence of any of the said occurrences and in the event of any Return of the premium by the company will be subject to retention of the
claim hereunder the insured shall prove that the accidental loss damage minimum premium of ` 100/- (or ` 25/-in respect of vehicles specifically
and/or liability arose independently of and was in no way connected with or designed/modified for use by blind/ handicapped/mentally challenged
occasioned by or contributed to by or traceable to any of the said persons). Where the ownership of the vehicle is transferred, the policy
occurrences or any consequences thereof and in default of such proof, the cannot be cancelled unless evidence that the vehicle is insured elsewhere is
Company shall not be liable to make any payment in respect of such a claim. produced
DEDUCTIBLE 6) If at the time of occurrence of an event that gives rise to any claim under this
policy there is in existence any other insurance covering the same liability,
The Company shall not be liable for each and every claim under Section -1 (loss
the Company shall not be liable to pay or contribute more than its ratable
of or damage to the vehicle insured) of this Policy in respect of the deductible
proportion of any compensation, cost or expense.
stated in the schedule.
7) If any dispute or difference shall arise as to the quantum to be paid under this
CONDITIONS
policy (liability being otherwise admitted), such difference shall independent
This Policy and the Schedule shall be read together and any word or expression of all other questions be referred to the decision of a sole arbitrator to be
to which a specific meaning has been attached in any part of this Policy or of the appointed in writing by the parties to the dispute or if they cannot agree upon
Schedule shall bear the same meaning wherever it may appear. a single arbitrator within 30 days of any party invoking Arbitration, the same
shall be referred to a panel of three arbitrators comprising two arbitrators
1) Notice shall be given in writing to the Company immediately upon the
one to be appointed by each of the parties to the dispute / difference, and a
occurrence of any accidental or loss or damage and in the event of any claim
third arbitrator to be appointed by such two arbitrators who shall act as the
and thereafter the insured shall give all such information and assistance as
presiding arbitrator and Arbitration shall be conducted under and in
the Company shall require. Every letter claim writ summons and/or process
accordance with the provisions of the Arbitration and Conciliation Act, 1996.
or copy thereof shall be forwarded to the Company immediately on receipt
It is clearly agreed and understood that no difference or dispute shall be
by the insured. Notice shall also be given in writing to the Company
referable to Arbitration as hereinbefore provided, if the Company has
immediately the insured shall have knowledge of any impending
disputed or not accepted liability under or in respect of this policy. It is
prosecution inquest or fatal injury in respect of any occurrence which may
hereby expressly stipulated and declared that it shall be condition precedent
give rise to a claim under this policy. In case of theft or other criminal act
to any right of action or suit upon this policy that the award by such
which may be the subject of a claim under this Policy the insured shall give
arbitrator/ arbitrators of the amount of the loss or damage shall be first

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 obtained. It is also hereby further expressly agreed and declared that if the Provided always that for the purpose of the No Claim Bonus, no period during
Company shall disclaim liability to the insured for any claim hereunder and which the interest in this policy has been vested in any previous Insured shall
such claim shall not, within twelve calendar months from the date of such accrue to the benefit of.
disclaimer have been made the subject matter of a suit in a court of law, then
Subject otherwise to the terms exceptions conditions and limitations of this
the claim shall for all purposes be deemed to have been abandoned and shall
policy.
not thereafter be recoverable hereunder.
IMT. 4. Change of Vehicle
8) The due observance and fulfillment of the terms, conditions and
endorsements of this Policy in so far as they relate to anything to be done or It is hereby understood and agreed that as from ....../........./............. the vehicle
complied with by the insured and the truth of the statements and answers in bearing Registration Number ...... is deemed to be deleted from the Schedule of
the said proposal shall be conditions precedent to any liability of the the Policy and the vehicle with details specified hereunder is deemed to be
Company to make any payment under this Policy. included therein:
9) In the event of the death of the sole insured, this policy will not immediately Regd Engine/ Make Type of C.C. Year of Seating Capacity IDV
lapse but will remain valid for a period of three months from the date of the No. Chassis No. Body Manufacture Including Driver
death of insured or until the expiry of this policy (whichever is earlier). During
the said period, legal heir(s) of the insured to whom the custody and use of
the Motor Vehicle passes may apply to have this Policy transferred to the
name(s) of the heir(s) or obtain a new insurance policy for the Motor Vehicle.
Where such legal heir(s) desire(s) to apply for transfer of this policy or obtain
a new policy for the vehicle such heir(s) should make an application to the
Company accordingly within the aforesaid period. All such applications In consequence of this change, an extra/refund premium of `............ is
should be accompanied by:-a) Death Certificate in respect of the insured b) charged/allowed to the insured. Subject otherwise to the terms exceptions
Proof of title to the vehicle c) Original Policy. conditions and limitations of this Policy.
NO CLAIM BONUS : IMT. 5. HIRE PURCHASE AGREEMENT
No Claim Bonus, wherever applicable, will be as per the following table, It is hereby understood and agreed that .................. (hereinafter referred to as
the Owners) are the Owners of the vehicle insured and that the vehicle insured is
ALL TYPES OF VEHICLES % OF DISCOUNT ON
subject of an Hire Purchase Agreement made between the Owners on the one
OWN DAMAGE PREMIUM
part and the insured on the other part and it is further understood and agreed that
No claim made or pending during the 20% the Owners are interested in any monies which but for this Endorsement would
preceding full year of insurance be payable to the insured under this policy in respect of such loss or damage to
the vehicle insured as cannot be made good by repair and/or replacement of
No claim made or pending during the 25%
parts and such monies shall be paid to the Owners as long as they are the
preceding 2 consecutive years of insurance
Owners of the vehicle insured and their receipt shall be a full and final discharge
No claim made or pending during the 35% to the insurer in respect of such loss or damage.
preceding 3 consecutive years of insurance
It is further declared and agreed that for the purpose of the Personal Accident
No claim made or pending during the 45% Cover for the owner-driver granted under this policy, the insured named in the
preceding 4 consecutive years of insurance policy will continue to be deemed as the owner-driver subject to compliance of
provisions of the policy relating to this cover.
No claim made or pending during the 50%
preceding 5 consecutive years of insurance Save as by this Endorsement expressly agreed nothing herein shall modify or
affect the rights and liabilities of the insured or the insurer respectively under or
Sunset Clause : If at the renewal falling due any time between 1st July 2002 and
in connection with this Policy. Subject otherwise to the terms exceptions
30th June 2003, both days inclusive, (after completion of the full policy period of
conditions and limitations of this policy.
12 months) an insured becomes entitled to an NCB of 55% or 65% in terms of the
Tariff prevailing prior to 1st July 2002, the entitlement of such higher percentage IMT. 6. LEASE AGREEMENT
of NCB will remain protected for all subsequent renewals till a claim arises under
It is hereby understood and agreed that .............. (hereinafter referred to as the
the policy, in which case the NCB will revert to ‘Nil’ at the next renewal.
Lessors) are the Owners of the vehicle insured and that the vehicle insured is the
Thereafter, NCB if any earned, will be in terms of the above table.
subject of a Lease Agreement made between the Lessor on the one part and the
INDIA MOTOR TARIFF – ENDORSEMENTS insured on the other part and it is further understood and agreed that the Lessors
are interested in any monies which but for this Endorsement would be payable to
IMT. 1. Extension of Geographical Area
the insured under this policy in respect of such loss or damage to the vehicle
In consideration of the payment of an additional premium of `....................it is insured as cannot be made good by repair and/or replacement of parts and such
hereby understood and agreed that notwithstanding anything contained in this monies shall be paid to the Lessors as long as they are the Owners of the vehicle
Policy to the contrary the Geographical Area in this Policy shall from the ... /... insured and their receipt shall be a full and final discharge to the insurer in
/....... to the ... /... /.......(both days inclusive) be deemed to include.* respect of such loss or damage. It is also understood and agreed that
notwithstanding any provision in the Leasing Agreement to the contrary, this
It is further specifically understood and agreed that such geographical extension
policy is issued to the insured namely ...... as the principal party and not as agent
excludes cover for damage to the vehicle insured/ injury to its occupants/third
or trustee and nothing herein contained shall be construed as constituting the
party liability in respect of the vehicle insured during sea voyage/air passage for
insured an agent or trustee for the Lessors or as an assignment (whether legal or
the purpose of ferrying the vehicle insured to the extended geographical area.
equitable) by the insured to the Lessors, of his rights benefits and claims under
Subject otherwise to the terms exceptions conditions and limitations of this this policy and further nothing herein shall be construed as creating or vesting
Policy. any right in the Owner/Lessor to sue the insurer in any capacity whatsoever for
any alleged breach of its obligations hereunder.
NOTE : Insert Nepal/ Sri Lanka/Maldives/Bhutan/ Pakistan/Bangladesh as the
case may be. It is further declared and agreed that for the purpose of the Personal Accident
Cover for the owner-driver granted under this policy, the insured named in the
IMT. 3. TRANSFER OF INTEREST
policy will continue to be deemed as the owner-driver subject to compliance of
It is hereby understood and agreed that as from ...../...../......... the interest in the provisions of the policy relating to this cover.
policy is transferred to and vested in .......of ....... carrying on or engaged in the
Save as by this Endorsement expressly agreed nothing herein shall modify or
business or profession of ...... who shall be deemed to be the insured and whose
affect the rights and liabilities of the insured or the insurer respectively under or
proposal and declaration dated ....../........./............. shall be deemed to be
in connection with this Policy. Subject otherwise to the terms exceptions
incorporated in and to be the basis of this contract.
conditions and limitations of this policy.
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IMT. 7. Vehicles subject to Hypothecation Agreement Subject otherwise to the terms exceptions conditions and limitations of this
policy.
It is hereby declared and agreed that the vehicle insured is pledged
to/hypothecated with................... (hereinafter referred to as the Pledgee) and it NB.1. # To delete (a) or (b) as per option exercised by the insured.
is further understood and agreed that the Pledgee is interested in any monies
NB.2. *The proportionate full policy premium for the period of lay up less the
which but for this Endorsement would be payable to the insured under this policy
proportionate premium for the Fire and/or Theft risks for the lay up
in respect of such loss or damage to the vehicle insured as cannot be made good
periods is to be inserted.
by repair and/or replacement of parts and such monies shall be paid to the
Pledgee as long as they are the Pledgee of the vehicle insured and their receipt NB.3 ** The proportionate premium required for Fire and/or Theft cover for the
shall be a full and final discharge to the insurer in respect of such loss or damage. vehicle for the laid up period is to be inserted.
It is further declared and agreed that for the purpose of the Personal Accident NB.4. In case of Liability Only Policies the words in CAPITALS should be
Cover for the owner-driver granted under this policy, the insured named in the deleted.
policy will continue to be deemed as the owner-driver subject to compliance of
NB.5. In case of policies covering Liability Only and
provisions of the policy relating to this cover.
1. Fire risks, the words ‘BURGLARY HOUSEBREAKING OR THEFT’ are
Save as by this Endorsement expressly agreed that nothing herein shall modify
to be deleted;
or affect the rights or liabilities of the Insured or the Insurer respectively under or
in connection with this Policy or any term, provision or condition thereof. 2. Theft risks, the words ‘FIRE EXPLOSION SELF IGNITION OR
LIGHTNING’ are to be deleted.
Subject otherwise to the terms exceptions conditions and limitations of this
policy. 3. Fire and Theft risks no part of the words in capitals are to be
deleted.
IMT. 8. DISCOUNT FOR MEMBERSHIP OF RECOGNISED AUTOMOBILE
ASSOCIATIONS (PRIVATE CARS AND MOTORISED TWO WHEELERS ONLY) IMT. 11. B. VEHICLES LAID UP ( Lay up period not declared )
It is hereby understood and agreed that in consideration of insured’s Notwithstanding anything to the contrary contained herein it is hereby
membership of ......** a discount in premium of ` ....................* is allowed to the understood and agreed that as from ........ /......... /........... the vehicle no.
insured hereunder from ... /... /....... ........... insured hereunder is laid up in garage and not in use and liability of the
insurer under this policy in respect of the said vehicle is suspended SAVE ONLY
It is further understood and agreed that if the insured ceases to be a member of
IN RESPECT OF LOSS OR DAMAGE TO THE SAID VEHICLE CAUSED BY FIRE
the above mentioned association during the currency of this Policy the insured
EXPLOSION SELF-IGNITION OR LIGHTNING OR BURGLARY,
shall immediately notify the insurer accordingly and refund to the insurer a
HOUSEBREAKING, THEFT OR RIOT STRIKE MALICIOUS DAMAGE TERRORISM
proportionate amount of the discount allowed on this account for the unexpired
OR STORM TEMPEST FLOOD INUNDATION OR EARTHQUAKE PERILS.
period of the cover.
Subject otherwise to the terms exceptions conditions and limitations of this
Subject otherwise to the terms exceptions conditions and limitations of the
Policy.
policy
NB.1. In case of Liability Only Policies the words in CAPITALS should be
* For full policy period, the full tariff discount to be inserted. For mid-term
deleted.
membership, prorata proportion of the tariff discount for the unexpired policy
period is to be inserted. NB.2. In case of policies covering Liability Only and
** Insert name of the concerned Automobile Association. 1. Fire risks, the words ‘BURGLARY HOUSEBREAKING OR THEFT’ are
to be deleted;
IMT. 10. INSTALLATION OF ANTI-THEFT DEVICE (Not applicable to
Motor Trade Policies) 2. Theft risks, the words ‘FIRE EXPLOSION SELF IGNITION OR
LIGHTNING’ are to be deleted.
In consideration of certification by .......* that an Anti-Theft device approved by
Automobile Research Association of India (ARAI), Pune has been installed in the 3. Fire and Theft risks no part of the words in capitals are to be deleted.
vehicle insured herein a premium discount of `...............................** is hereby
IMT. 11. C. TERMINATION OF THE UNDECLARED PERIOD OF VEHICLE LAID UP
allowed to the insured.
It is hereby understood and agreed that the insurance by this Policy in
It is hereby understood and agreed that the insured shall ensure at all times that
respect of vehicle no. ..... insured hereunder is reinstated in full from
this Anti-theft device installed in the vehicle insured is maintained in efficient
........ /......... /........... and the Endorsement IMT 11(B) attaching to this policy
condition till the expiry of this policy. Subject otherwise to the terms,
shall be deemed to be cancelled. It is further agreed that in consideration of the
exceptions, conditions and limitations of the policy
period during which the vehicle no. ......... has been out of use
* The name of the certifying Automobile Association is to be inserted.
1. # The insurer will deduct from the next renewal premium the sum of
** Premium discount calculated as per tariff provision is to be inserted. For mid- `.........................* and the No Claim Bonus (if any) shall be calculated on the
term certification of installation of Anti Theft device pro-rata proportion of tariff next renewal premium after deduction of such sum.
discount for the unexpired period is to be inserted.
2. # The period of insurance by this policy is extended to ..../..../....... in view of
IMT. 11. A. VEHICLES LAID UP ( Lay up period declared ) the payment of an additional premium of `...............................**
Notwithstanding anything to the contrary contained herein it is hereby Subject otherwise to the terms exceptions conditions and limitations of this
understood and agreed that from ........ /......... /........... to ........ /......... /........... policy.
the vehicle insured is laid up in garage and not in use and during this period all
NB.1. # To delete (a) or (b) as per option exercised by the insured.
liability of the insurer under this policy in respect of the vehicle insured is
suspended SAVE ONLY IN RESPECT OF LOSS OR DAMAGE TO THE SAID NB.2. * The proportionate full policy premium for the period of lay up less the
VEHICLE CAUSED BY FIRE EXPLOSION SELF-IGNITION OR LIGHTNING OR proportionate premium for the Fire a nd /or Theft risks for the lay up
BURGLARY, HOUSEBREAKING, THEFT OR RIOT STRIKE MALICIOUS DAMAGE periods is to be inserted.
TERRORISM OR STORM TEMPEST FLOOD INUNDATION OR EARTHQUAKE
NB.3 ** The proportionate premium required for Fire and/or Theft cover for the
PERILS, in consideration whereof vehicle for the laid-up period is to be inserted.
1. # The insurer will deduct from the next renewal premium the sum of IMT. 12. DISCOUNT FOR SPECIALLY DESIGNED/MODIFIED VEHICLES FOR
`..........................* and the No Claim Bonus (if any) shall be calculated on THE BLIND, HANDICAPPED AND MENTALLY CHALLENGED PERSONS.
the next renewal premium after deduction of such sum.
Notwithstanding anything to the contrary contained in the policy it is hereby
2. # The period of insurance by this policy is extended to ........ /......... /........... understood and agreed that the vehicle insured being specially designed
in view of the payment of an additional premium of `...............................**
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/modified for use of blind, handicapped and mentally challenged persons and ** To insert Condition no 3 in respect of a vehicle rated under Tariff for Private
suitable endorsement to this effect having been incorporated in the Registration Car/Two wheelers or Condition no 4 in respect of a vehicle rated under the Tariff
Book by the Registering Authority, a discount of 50% on the Own Damage for Commercial Vehicles.
premium for the vehicle insured is hereby allowed to the insured.
IMT. 22. A. VOLUNTARY DEDUCTIBLE
Subject otherwise to the terms exceptions conditions and limitations of the
(For private cars/motorized two wheelers other than for hire or reward)
policy.
It is by declared and agreed that the insured having opted a voluntary deductible
IMT. 13. USE OF VEHICLE WITHIN INSURED’S OWN PREMISES
of `.......................* a reduction in premium of `............................** under
(Applicable to all classes except as otherwise provided in the tariff) Section 1 of the policy is hereby allowed.
It is hereby understood and agreed that the insurer shall not be liable in respect of In consideration of the above, it is hereby understood and agreed that the insured
the vehicle insured while the vehicle is being used elsewhere than in the shall bear under Section 1 Of the policy in respect of each and every event
insured’s premises except where the vehicle is specifically required for a (including event giving rise to a total loss/constructive total loss ) the first
mission to fight a fire. `.............................*** (or any less expenditure which may be incurred) of any
expenditure for which provision has been made under this policy and/or of any
For the purposes of this endorsement ‘Use confined to own premises’ shall mean
expenditure by the insurer in the exercise of his discretion under Condition no
use only on insured’s premises to which public have no general right of access.
...# of this policy.
IMT. 19. COVER FOR VEHICLES IMPORTED WITHOUT CUSTOMS DUTY
If the expenditure incurred by the insurer shall include any amount for which the
Notwithstanding anything to the contrary contained in this policy it is hereby insured is responsible hereunder such amount shall be repaid by the insured to
understood and agreed that in the event of loss or damage to the vehicle insured the insurer forthwith.
and/or its accessories necessitating the supply of a part not obtainable from
For the purpose of this Endorsement the expression event shall mean an event or
stocks held in the country in which the vehicle insured is held for repair or in the
series of events arising out of one cause in connection with the vehicle insured in
event of the insurer exercising the option under ...., * to pay in cash the amount of
respect of which indemnity is provided under this policy.
the loss or damage the liability of the insurer in respect of any such part shall be
limited to :- Subject otherwise to the terms conditions limitations and exceptions of this
Policy.
1. a) The price quoted in the latest catalogue or the price list issued by the
Manufacturer or his Agent for the country in which the vehicle *To insert voluntary deductible amount opted by the insured under tariff for
insured is held for repair less depreciation applicable; OR Private car/tariff for motorised two wheeler.
b) If no such catalogue or price list exists the price list obtaining at the ** To insert appropriate amount relating to the voluntary deductible opted as per
Manufacturer’s Works plus the reasonable cost of transport otherwise the provision of tariff for Private car/tariff for motorised two wheelers.
than by air to the country in which the vehicle insured is held for repair
***To insert aggregate amount of voluntary deductible opted and the
and the amount of the relative import duty less depreciation applicable
compulsory deductible applicable to the vehicle insured as in G.R. 40.
under the Policy; and
# To insert policy condition No. 3 of the tariff for private car/tariff for motorised
2. The reasonable cost of fitting such parts.
two wheelers.
Subject otherwise to the terms conditions limitations and exceptions of this
IMT. 24. ELECTRICAL / ELECTRONIC FITTINGS
Policy.
(Items fitted in the vehicle but not included in the manufacturer’s listed selling
*Insert ‘Condition 3’ in the case of the Private Car and Motorsied Two
price of the vehicle. Package Policy only)
Wheeler Policies and ‘Condition 4’ in the case of Commercial Vehicles Policy.
In consideration of the payment of additional premium of `............................,
IMT. 22. COMPULSORY DEDUCTIBLE
notwithstanding anything to the contrary contained in the policy it is hereby
(Applicable to Private Cars, three wheelers rated as private cars, all motorized understood and agreed that the insurer will indemnify the insured against loss of
two wheelers, taxis, private car type vehicle plying for public/private hire, or damage to such electrical and/ or electronic fitting(s) as specified in the
private type taxi let out on private hire) schedule whilst it/these is/are fitted in or on the vehicle insured where such loss
or damage is occasioned by any of the perils mentioned in Section.1 of the
Notwithstanding anything to the contrary contained in the policy it is hereby
policy.
understood and agreed that the insured shall bear under Section 1 of the policy in
respect of each and every event (including event giving rise to a total The insurer shall, however, not be liable for loss of or damage to such fitting(s)
loss/constructive total loss) the first `.............................* (or any less caused by/as a result of mechanical or electrical breakdown.
expenditure which may be incurred) of any expenditure for which provision has
Provided always that the liability of the insurer hereunder shall not exceed the
been made under this policy and/or of any expenditure by the insurer in the
Insured’s Declared Value (IDV) of the item. Subject otherwise to the terms
exercise of his discretion under Condition no ...........** of this policy.
conditions limitations and exceptions of this Policy.
If the expenditure incurred by the insurer shall include any amount for which the
IMT. 25. CNG/LPG KIT IN BI-FUEL SYSTEM (Own Damage cover for the kit)
insured is responsible hereunder such amount shall be repaid by the insured to
the insurer forthwith. In consideration of the payment of premium of `.............................*
notwithstanding anything to the contrary contained in the policy it is hereby
For the purpose of this Endorsement the expression .event. shall mean an event
understood and agreed that the insurer will indemnify the insured in terms
or series of events arising out of one cause in connection with the vehicle insured
conditions limitations and exceptions of Section1 of the policy against loss
in respect of which indemnity is provided under this policy.
and/or damage to the CNG/LPG kit fitted in the vehicle insured arising from an
Subject otherwise to the terms conditions limitations and exceptions of this accidental loss or damage to the vehicle insured, subject to the limit of the
Policy. Insured’s Declared Value of the CNG/LPG kit specified in the Schedule of the
policy.
*1. To insert amount as appropriate to the class of vehicle insured as per GR.40
of the tariff. Subject otherwise to the terms conditions limitations and exceptions of this
Policy.
2. In respect of a vehicle rated under the Tariff for Private Car and in respect of a
motorised two wheeler not carrying passengers for hire or reward, if any *To insert sum arrived at in terms of G.R.42.
deductible in addition to the compulsory deductible provided in this
IMT. 26. FIRE AND/OR THEFT RISKS ONLY (Not applicable for
endorsement is voluntarily borne by the insured, the sum representing the
Miscellaneous and Special Types of vehicles ratable under Class-D and
aggregate of the compulsory and the voluntary deductibles is to be inserted.
Motor Trade Policies under Classes-E, F and G of the Commercial Vehicles
Tariff)

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Notwithstanding anything to the contrary contained in the policy it is hereby # # To delete this entire paragraph in case of Liability Only policies.
understood and agreed that Section II of the Policy is deemed to be cancelled and
IMT. 33. LOSS OF ACCESSORIES (Applicable to Motorised Two Wheeler
under Section I thereof the insurer shall only be liable to indemnify the insured
Policies only)
against loss or damage by fire explosion self ignition lightning and/or burglary
housebreaking theft and riot strike malicious damage terrorism storm tempest In consideration of the payment of an additional premium of
flood inundation and earthquake perils whilst the vehicle is laid up in garage and `.............................. it is hereby understood and agreed that as from
not in use. ....../...../...... notwithstanding anything to the contrary contained in Section I but
subject otherwise to the terms exceptions conditions and limitations of this
Subject otherwise to the terms conditions limitations and exceptions of this
Policy the insurer will indemnify the insured in respect of loss of or damage to
Policy.
accessories the property of the insured, specifically declared by the insured
NB. (I). In case of Fire Risk only, the words ‘burglary housebreaking theft’ are caused by burglary, housebreaking or theft.
to be deleted.
Subject otherwise to the terms conditions limitations and exceptions of this
NB. (ii) In case of Theft Risk only, the words ‘fire explosion self ignition policy.
lightning riot strike malicious damage terrorism storm tempest flood
Add-on for Stand-Alone Own Damage Two Wheeler Insurance Policy
inundation and earthquake perils’ are to be deleted.
Garage Cash
IMT. 27. LIABILITY AND FIRE AND/OR THEFT (Not applicable for
Miscellaneous and Special Types of vehicles rateable under Class of the UIN: IRDAN115RP0002V01201920/A0006V01201920
Tariff for Commercial Vehicles)
In consideration of the payment of an additional premium as specified and
Notwithstanding anything to the contrary contained in the policy it is hereby shown in the policy schedule, the Company hereby undertakes to:
understood and agreed that Section I of the Policy the insurer shall not be liable
a. Pay a daily allowance, as stated in the schedule, to the Insured for each and
there under except in respect of loss or damage by fire explosion self ignition
every completed day for which the Insured’s vehicle is under repair in a
lightning and/or burglary housebreaking theft and riot strike malicious damage
garage, due to loss/damage to the vehicle on account of a peril covered
terrorism storm tempest flood inundation and earthquake perils.
under the Policy, subject to the maximum number of days as specified in the
Subject otherwise to the terms conditions limitations and exceptions of the schedule
Policy.
b. Pay the lump-sum amount as stated in the schedule, in the event of Total
NB. (I). In case of Liability and Fire Risks only, the words ‘burglary loss/Constructive Total Loss of the Insured’s vehicle
housebreaking theft’ are to be deleted.
Provided always that:
NB. (ii). In case of Liability and Theft Risks only, the words ‘fire explosion self
1. Such claim is admitted by the Company under Section I -“Loss or
ignition lightning riot strike malicious damage terrorism storm
Damage to the Vehicles Insured” of the Policy
tempest flood inundation and earthquake perils’ are to be deleted.
2. The insured vehicle has been under repair for a minimum number of days, as
IMT. 31. RELIABILITY TRIALS AND RALLIES [Private Cars and Motorised
stated in the schedule, post which the claim under this add-on will be
Two Wheelers]
payable from the day such vehicle was delivered to the garage
In consideration of the payment of an additional premium it is hereby understood
3. In case of theft of the vehicle, the vehicle is not recovered within 90 days
and agreed that the indemnity granted by this Policy is extended to apply whilst
from the day of the theft.
the vehicle insured is engaged in .......... ......*. to be held at ......**..... on or about
the date of ......../........./............ under the auspices of ....... ..............# 4. Not more than three claims will be payable under this add-on
Provided that:- 5. Claim under this add-on is intimated to the Company within 24 hours of loss
or damage
1. No indemnity shall be granted by this Endorsement to ......... #
6. Claim under this add-on is serviced in the authorized garages of the
2. This Policy does not cover use for organised racing, pace making or speed
Company
testing.
7. The duration for which the Insured’s vehicle is under repair in a garage due to
3. During the course of the .......* the Insurer shall not be liable in respect of
loss/damage to the vehicle, and for which the Company will be liable for
death of or bodily injury to any person being carried in or upon or entering or
claim in respect of this add-on will be reckoned from the day after the insured
getting on to or alighting from the vehicle insured at the time of the
vehicle is delivered to the Garage till the day immediately preceding the date
occurrence of the event out of which any claim arises.
of discharge or date of invoice for such repair as prepared by the garage,
# # It is further understood and agreed that while the vehicle insured is engaged whichever is earlier
in ...........* the insured shall bear the first `..............................@ (or any less
a) The company will not be liable for any further payment under this add-on
amount for which the claim may be assessed) of each and every claim under
for the specific accidental loss or damage once the vehicle is removed
Section I of this Policy.
from the garage
Provided that if the insurer shall make any payment in exercise of its discretion
8. Company will not be liable for any delays on account of-
under Condition No. 3 of the policy in settlement of any claim and such payment
includes the amount for which the insured is responsible by reason of this a) Delay of more than 24 hours, in delivering insured vehicle to the garage
Endorsement the insured shall repay to the insurer forthwith the amount for from the time of occurrence of accidental damage or loss
which the insured is so responsible.
b) Non-availability of spare parts required for repair
For the purpose of this Endorsement the expression claim shall mean a claim or
Subject otherwise to the terms, conditions and limitations of the Policy.
series of claims arising out of one event.
NCB Protect
Subject otherwise to the terms conditions limitations and exceptions of this
Policy. UIN: IRDAN115RP0002V01201920/A0007V01201920
*To insert the name of the event @ To insert ` 5000/- for Private cars or Notwithstanding anything to the contrary contained in the Policy and in
` 2500/- for motorised two wheelers. For the duration of the event the deductible consideration of the payment of an additional premium of Rs___________ by
under Section 1 of the policy for the purpose of IMT 22 will be the amount stated the Insured, it is hereby agreed and declared that the Insured will be entitled to
in IMT 22 or the amount stated herein, whichever is higher. No Claims Bonus as per the following Table 1, under Section I – “Loss or Damage
to the Vehicles Insured” of the Policy.
** To insert the venue of the event.
# To insert the name of the promoters of the event.

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Table 1: Table of NCB Benefits Provided always that
Plan 1 - One Step Down 1. Such claim has been admitted by the Company under Section I - “Loss or
Damage to the Vehicles Insured” of the Policy,
NCB Benefit in the event of XX claims
in the current policy period 2. This add-on shall not be applicable in the event of Total Loss/ Constructive
Total Loss of the vehicle insured under the Policy,
Number of prior claim free XX = 0 XX = 1 XX = 2 XX = 3
policy years 3. The Insured shall be liable for the Voluntary Deductible* amount, as opted by
the Insured for this add-on, for each and every claim payable under this add-
0 20% 0% 0% 0%
on,
1 25% 20% 0% 0%
*Insured can opt for a Voluntary Deductible specifically for this add-on, which
2 35% 25% 20% 0% will be over and above the deductible applied under the basic Policy. In such a
case, the discount will be provided in the premium calculated for this add-on.
3 45% 35% 25% 20%
Subject otherwise to the terms, exceptions, conditions and limitations of this
4 and above 50% 45% 35% 25%
Policy.
Plan 2- Two Step Down
Road Side Assistance
NCB Benefit in the event of XX claims
UIN: IRDAN115RP0002V01201920/A0005V01201920
in the current policy period
In consideration of the payment of an additional premium as specified and
Number of prior claim free XX = 0 XX = 1 XX = 2 XX = 3
shown in the policy schedule, the Company hereby undertakes to provide the
policy years
Insured, upon his request, with a maximum of four claims related to any one or
0 20% 0% 0% 0% more of the following emergency assistance services in any area where the
Company has its presence through its network garages or through the network
1 25% 0% 0% 0%
of the service provider:
2 35% 20% 0% 0%
1. Towing on breakdown/accident: In the event of the Insured’s vehicle being
3 45% 25% 20% 0% immobilized or rendered unfit for the purpose of driving on the road, the
Company would provide appropriate towing services to the nearest garage
4 and above 50% 35% 25% 20%
(within a radius of 50 kms from the location of the breakdown/accident),
Insured shall not be entitled to any No Claim Bonus, if more than three claims are provided always that any charges for a distance beyond the one mentioned
lodged by the Insured during the same Policy Period under Section I – “Loss or herein shall be borne by the Insured.
Damage to the Vehicles Insured” of the Policy.
2. Breakdown support over phone: In the event of minor mechanical
Subject otherwise to the terms, exceptions, conditions and limitations of this errors/faults/non-functioning of the Insured’s vehicle or any part thereof, the
Policy. Company would provide the Insured with telephonic assistance to come up
with solutions for such minor mechanical errors/faults/non- functioning of
Return to Invoice
the Insured’s vehicle.
UIN: IRDAN115RP0002V01201920/A0004V01201920
3. Arrangement/Supply of fuel: In the event of the Insured’s vehicle being
In consideration of payment of an additional premium as specified and shown in immobilized due to emptying of fuel tank, the Company would arrange for
the Schedule, it is hereby agreed and declared that notwithstanding anything to supply of up to five liters of fuel, at the location of the breakdown. Provided
the contrary contained in the Policy, the Company hereby undertakes to pay the always that all labor costs and conveyance costs would be borne by the
Sum Insured under this add-on, determined as the difference between the Company and all expenses on fuel would be borne by the Insured.
Insured’s Declared Value (IDV) of the insured vehicle and the total actual
4. Emptying of fuel tank: In the event of the fuel tank of the Insured’s vehicle
expenses incurred towards acquisition of a new vehicle of similar make and
being filled with a wrong type of fuel, the Company would arrange for
model to the insured, as specified in the on-road price listed by the
emptying of fuel tank with the help of appropriate technicians and if required,
manufacturer/Dealer upon the occurrence of Total Loss/ Constructive Total Loss
arrange for towing the Insured’s vehicle to nearest garage for the purpose of
as defined in the Policy
emptying the fuel tank, provided always that all charges towards the towing
Provided always that of the vehicle would be borne by the Insured.
On-road price means the actual expense incurred towards acquisition of a new 5. Arrangement of keys: In the event of the Insured losing the keys of the
vehicle and includes the value of factory fitted accessories or car dealer Insured’s vehicle, the Company would arrange for pick up and delivery of the
accessories at the time of purchase. On road price will also include any amount spare keys of the Insured’s vehicle to the place where the Insured’s vehicle is
paid towards registration of the insured Vehicle, road tax and cost of insuring the located. Alternatively, the Company would provide the service of unlocking
vehicle. the Insured’s vehicle with the help of vehicle technicians at the location of
the Insured’s vehicle. Provided always that all labour and conveyance costs
In case of obsolete models, the last selling price of the vehicle will be
would be borne by the Company and the Insured would be required to submit
considered to pay the Sum Insured under this add-on
an identity proof to prove his ownership of the Insured’s vehicle, before
Subject otherwise to the terms, exceptions, conditions and limitations of this availing such service. Provided always that this service would be provided
Policy. only within a range of 100 kms from the location where the loss has
occurred.
Zero Depreciation
6. Battery jump start: In the event of the Insured’s vehicle being immobilized
UIN: IRDAN115RP0002V01201920/A0003V01201920
due to a run down battery, the Company would arrange for a vehicle
In consideration of the payment of an additional premium as specified and technician to jump start the Insured’s vehicle with appropriate means.
shown in the policy schedule, the Company hereby undertakes to deduct no Provided always that any cost of charging/replacement of battery would be
amounts for depreciation in case of parts replaced on account of damage to the borne by the Insured and all labour and conveyance costs, towards battery
vehicle insured and/or to its accessories, arising out of any peril as covered jump start assistance, would be borne by the Company.
under the Policy, however this endorsement shall be applicable to the first two
7. Message Relay: In the event of the Insured’s vehicle getting immobilized as
(2) claims during the policy period and any subsequent claim(s) shall be subject
a result of an accident and/or breakdown, the Company would arrange to
to a deduction for depreciation at the rates mentioned in the policy terms and
send urgent message to the specified persons, as requested by the Insured,
conditions.
through available means of communication.

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8. Flat Tyre: In the event of the Insured’s vehicle being immobilized due to a flat submit the bill for the pre-authorized amount for reimbursement to the
tyre, the Company would assist the Insured by: Company.
a) Organizing for a vehicle technician to replace the flat tyre with the spare 15. Accommodation Benefits: In the event of the Insured’s vehicle being
stepney tyre of the vehicle at the location of breakdown or in the event of immobilized due to an accident/breakdown, the Company shall provide
repairs not being possible at the place of breakdown occupants of the Insured vehicle with a hotel accommodation for one day, for
a maximum of ` 5000.
b) By arranging to take the flat tyre to the nearest place of repair and
delivering the tyre back to the place of breakdown & attaching it to the Provided always that:
Insured’s vehicle.
a) The breakdown/accident has taken place at least 100 kms away from the
Provided always that any expenses on material/spare parts and any other Insured’s place of residence, as declared by the Insured at the time of Policy
incidental costs, if required while carrying out the repairs, would be borne by issuance.
the Insured and the expenses on labour cost and conveyance cost, in relation
b) The required time of repair of the Insured vehicle exceeds 12 hours from the
to point (a) and (b) above, would be borne by the Company.
time of the accident/breakdown.
9. Minor Repairs: In the event of the Insured’s vehicle being immobilized due
c) The number of individuals seated in the Insured vehicle is not more than the
to a minor mechanical/electrical fault, the Company would assist the Insured
maximum seating capacity of the Insured vehicle.
by sending a vehicle technician to the location of breakdown to carry out the
Minor Repairs. Provided always that In the unlikely event of Company being unable to arrange for this service, the
Company may request the Insured to arrange for accommodation on his own and
a) The expenses on labour cost and conveyance cost would be borne by
submit the bill for the pre-authorized amount for reimbursement to the Company.
the Company
Claim under this add-on will have no impact on NO claim bonus earned on the
b) Minor Repairs, for the purpose of this add-on, would be defined as
base comprehensive policy. NO claim bonus will remain intact even after a claim
repairs which can be carried out at the location of breakdown/ accident,
under this add-on.
requiring no spares and less than 45 minutes of labour time.
The Company would not be liable for:
10. Arrangement of rental vehicle: In the event of the Insured’s vehicle being
immobilized due to a breakdown/accident, the Company would facilitate 1. Providing the abovementioned services under conditions of earthquake,
arrangement for alternative mode of conveyance, from the place of war, invasion, rebellion, revolt, riot, civil commotion, civil war, exceptional
breakdown /accident, to the destination, as desired by the Insured at the adverse weather conditions, acts of terrorism, nuclear fission, strike, act(s)
time of breakdown/accident. The Company would intimate the Insured of all of government(s)/government agencies/judicial/ quasi-judicial authorities.
charges payable to the rental vehicle and all such charges would be borne by
2. Any claims where the Insured’s vehicle is being used for the purpose of
the Insured.
racing, rallying, motor-sports, or is not being used/driven in accordance with
11. Arrangement of Accommodation: In the event of the Insured’s vehicle applicable laws and regulations.
being immobilized due to a breakdown/accident, the Company would
3. Any claim where the Insured’s vehicle can be safely transferred on its own
facilitate arrangement for hotel accommodation in a place near the place of
power to the nearest garage/workshop.
breakdown/accident. The Company would intimate the Insured of all
charges payable for such accommodation and all such charges would be 4. Any claims triggered by theft; any kind of consequential losses.
borne by the Insured.
5. Any loss which is covered under any other insurance policy or
12. Referring a Legal Advisor: In the event of an accident involving the manufacturer’s warranty or recall campaign or under any other such
Insured’s vehicle as a result of which the Insured requires the services of a packages at the same time.
legal advisor, the Company would arrange for the Insured the telephonic
6. Any expenses for supply or replacement of parts/consumables.
contact details of an appropriate legal advisor belonging to an area as
requested by the Insured. Provided always that: 7. Any loss/damage caused to the Insured’s vehicle when it is being
used/driven against the recommendations of the owner’s/manufacturer’s
a) The breakdown/accident has taken place atleast 50 kms away from the
manual.
Insured’s place of residence, as per the address declared by the Insured
at the time of Policy issuance 8. Any claims where services have been availed of without the prior consent of
the Company.
b) The Company would intimate the Insured of all charges payable for the
services of such legal advisor and all such charges would be borne by Warranty: Warranted that the insured named herein/owner of the vehicle holds
the Insured. a valid Pollution Under Control (PUC) Certificate and/or valid fitness certificate,
as applicable, on the date of commencement of the Policy and undertakes to
13. Referring a Hospital: In the event of an accident involving the Insured’s
renew and maintain a valid and effective PUC and/or fitness Certificate, as
vehicle as a result of which the Insured and/or any of the travelling
applicable, during the subsistence of the Policy. Further, the Company reserves
passengers requires medical care, the Company would arrange for the
the right to take appropriate action in case of any discrepancy in the PUC or
Insured the telephonic contact details of an appropriate hospital near the
fitness certificate.
location of accident. Provided always that the breakdown/accident has
taken place atleast 50 kms away from the Insured’s place of residence, as Grievance Clause
per the address declared by the Insured at the time of Policy issuance.
For resolution of any query or grievance, Insured may contact the respective
14. Taxi Benefits: In the event of the Insured’s vehicle being immobilized due to branch office of the Company or may call toll free no.1800-2666 or may approach
an accident/breakdown, the Company shall provide free travel of the us at the sub section “Grievance Redressal” on our website
occupants of the Insured vehicles upto a distance of 50 kilometers. Provided www.icicilombard.com (Customer Support section). However, if the resolution
always that: provided by us is not satisfactory you may approach Insurance Regulatory and
Development Authority (IRDA) through the Integrated Grievance Management
a) The event has occurred 50kms away from the Insured’s place of
Section (IGMS) or IRDA Grievance Call Centre(IGCC) at their toll free no.155255.
residence as declared by the Insured at the time of policy issuance.
You may also approach Insurance Ombudsman, subject to vested jurisdiction,
b) Any charges for a distance beyond the covered distance as stated above for the redressal of grievance. Details of Insurance Ombudsman offices are
shall be borne by the Insured. available at IRDA website: www.irdaindia.org, or on the Company’s website at
www.icicilombard.com.
In the unlikely event of the Company being unable to arrange for this service,
the Company may request the Insured to arrange for the taxi on his own and

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 DETAILS OF INSURANCE OMBUDSMAN
Jurisdiction of Office Jurisdiction of Office
Office Details Office Details
Union Territory, District Union Territory, District
Gujarat, Dadra & Nagar Haveli, AHMEDABAD - Shri/Smt West Bengal, Sikkim, KOLKATA - Shri/Smt
Daman and Diu. Office of the Insurance Ombudsman, Jeevan Prakash Building, Andaman & Nicobar Islands Office of the Insurance Ombudsman, Hindustan Bldg. Annexe,
6th Floor, Tilak Marg, Relief Road, Ahmedabad - 380 001. 4th Floor, 4, C.R. Avenue, KOLKATA - 700 072.
Tel.: 079 - 25501201/02/05/06 Tel.: 033 - 22124339 / 22124340; Fax : 033 - 22124341
Email: [email protected] Email: [email protected]
Karnataka BENGALURU - Smt. Neerja Shah Districts of Uttar Pradesh : LUCKNOW -Shri/Smt
Office of the Insurance Ombudsman, Jeevan Soudha Building, Laitpur, Jhansi, Mahoba, Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan,
PID No. 57-27-N-19, Ground Floor, 19/19, 24th Main Road, Hamirpur, Banda, Chitrakoot, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001.
JP Nagar, Ist Phase, Bengaluru - 560 078. Allahabad, Mirzapur, Tel.: 0522 - 2231330 / 2231331; Fax: 0522 - 2231310
Tel.: 080 - 26652048 / 26652049 Sonbhabdra, Fatehpur, Email: [email protected]
Email: [email protected] Pratapgarh, Jaunpur,Varanasi,
Madhya Pradesh Chattisgarh BHOPAL - Shri Guru Saran Shrivastava Gazipur, Jalaun, Kanpur,
Office of the Insurance Ombudsman, Janak Vihar Complex, Lucknow, Unnao, Sitapur,
2nd Floor, 6, Malviya Nagar, Opp. Airtel Office, Lakhimpur, Bahraich,
Near New Market, Bhopal – 462 003. Barabanki, Raebareli, Sravasti,
Tel.: 0755 - 2769201 / 2769202; Fax: 0755 - 2769203 Gonda, Faizabad, Amethi,
Email: [email protected] Kaushambi, Balrampur, Basti,
Ambedkarnagar, Sultanpur,
Orissa BHUBANESHWAR - Shri/Smt Maharajgang, Santkabirnagar,
Office of the Insurance Ombudsman, 62, Forest park, Azamgarh, Kushinagar,
Bhubneshwar - 751 009. Gorkhpur, Deoria, Mau,
Tel.: 0674 - 2596461 /2596455, Fax: 0674 - 2596429 Ghazipur, Chandauli, Ballia,
Email: [email protected] Sidharathnagar
Punjab, Haryana, Himachal CHANDIGARH - Dr. Dinesh Kumar Verma Goa, Mumbai Metropolitan MUMBAI - Shri Milind A. Kharat
Pradesh, Jammu & Kashmir, Office of the Insurance Ombudsman, S.C.O. No. 101, Region excluding Navi Mumbai Office of the Insurance Ombudsman, 3rd Floor,
Chandigarh 102 & 103, 2nd Floor, Batra Building, Sector 17 - D, & Thane Jeevan Seva Annexe, S. V. Road, Santacruz (W),
Chandigarh - 160 017. Mumbai - 400 054.
Tel.: 0172 - 2706196 / 2706468; Fax: 0172 - 2708274 Tel.: 022 - 26106552 / 26106960; Fax: 022 - 26106052
Email: [email protected] Email: [email protected]
Tamil Nadu, Pondicherry Town CHENNAI - Shri M. Vasantha Krishna State of Uttaranchal and the NOIDA - Shri/Smt
and Karaikal (which are part of Office of the Insurance Ombudsman, Fatima Akhtar Court, following Districts of Uttar Office of the Insurance Ombudsman, Bhagwan Sahai Palace,
Pondicherry) 4th Floor, 453, Anna Salai, Teynampet, CHENNAI - 600 018. Pradesh: 4th Floor, Main Road, Naya Bans, Sector 15,
Tel.: 044 - 24333668 / 24335284; Fax: 044 - 24333664 Agra, Aligarh, Bagpat, Bareilly, Distt: Gautam Buddh Nagar, U.P - 201301.
Email: [email protected] Bijnor, Budaun, Bulandshehar, Tel.: 0120-2514250 / 2514252 / 2514253
Delhi DELHI - Shri/Smt Etah, Kanooj, Mainpuri, Email: [email protected]
Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Mathura, Meerut, Moradabad,
Building, Asaf Ali Road, New Delhi - 110 002. Muzaffarnagar, Oraiyya,
Tel.: 011 - 23232481/23213504 Pilibhit, Etawah, Farrukhabad,
Email: [email protected] Firozbad, Gautambodhanagar,
Ghaziabad, Hardoi,
Assam, Meghalaya, Manipur, GUWAHATI - Shri Kiriti .B. Saha Shahjahanpur, Hapur, Shamli,
Mizoram, Arunachal Pradesh, Office of the Insurance Ombudsman, Jeevan Nivesh, Rampur, Kashganj, Sambhal,
Nagaland and Tripura 5th Floor, Nr. Panbazar over bridge, S.S. Road, Amroha, Hathras,
Guwahati - 781001(ASSAM). Kanshiramnagar, Saharanpur
Tel.: 0361 - 2632204 / 2602205
Email: [email protected] Bihar, Jharkhand PATNA - Shri/Smt
Office of the Insurance Ombudsman, 1st Floor,
Andhra Pradesh, Telangana, HYDERABAD - Shri I. Suresh Babu Kalpana Arcade Building, Bazar Samiti Road,
Yanam and part of Territory of Office of the Insurance Ombudsman, 6-2-46, 1st Floor, Bahadurpur, Patna - 800 006.
Pondicherry "Moin Court", Lane Opp. Saleem Function Palace, Tel.: 0612-2680952
A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004. Email: [email protected]
Tel.: 040 - 67504123 / 23312122; Fax: 040 - 23376599
Email: [email protected] Maharashtra, Area of Navi PUNE - Shri/Smt
Mumbai and Thane excluding Office of the Insurance Ombudsman, Jeevan Darshan Bldg.,
Rajasthan JAIPUR - Smt. Sandhya Baliga Mumbai Metropolitan Region 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road,
Office of the Insurance Ombudsman, Jeevan Nidhi - II Bldg., Narayan Peth, Pune - 411 030.
Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005. Tel.: 020 41312555
Tel.: 0141 - 2740363 Email: [email protected]
Email: [email protected]
The updated details of Insurance Ombudsman are also available on IRDA website:
Kerala, Lakshadweep, Mahe-a ERNAKULAM - Ms. Poonam Bodra www.irdaindia.org on the website of Office of the Executive Council of Insurers (formerly GBIC):
part of Pondicherry Office of the Insurance Ombudsman, 2nd Floor, Pulinat Bldg., www.ecoi.co.in , website of the company www.icicilombard.com or from any of Our offices.
Opp. Cochin Shipyard, M. G. Road, Ernakulam - 682 015.
Tel.: 0484 - 2358759 / 2359338; Fax: 0484 - 2359336
Email: [email protected]

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20190917007-SEPT17

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