Policy Wordings Auto Secure Private Car Package Policy - PDF 703fae35ff

Auto Secure – Private Car Package Policy
UIN: IRDAN108RP0002V01200001
AUTO SECURE – PRIVATE CAR PACKAGE POLICY

UIN: IRDAN108RP0002V01200001
POLICY WORDINGS
Tata AIG General Insurance Co. Ltd.

Registered Office:
Peninsula Business Park, Tower A, 15th Floor,
G.K. Marg, Lower Parel, Mumbai – 400013
24x7 Toll Free No: 1800 266 7780
Email: customersupport@tataaig.com
Website: www.tataaig.com
IRDA of India Registration No: 108
CIN: U85110MH2000PLC128425
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Tata AIG General Insurance Company Limited
Registered Office: Peninsula Business Park, Tower A, 15th Floor, G.K. Marg, Lower Parel, Mumbai – 400013
24x7 Toll Free No: 1800 266 7780 | Email: customersupport@tataaig.com | Website: www.tataaig.com
IRDA of India Registration No: 108 | CIN:U85110MH2000PLC128425 | UIN: IRDAN108RP0002V01200001
UIN: IRDAN108RP0002V01200001
Whereas the Insured by a proposal and declaration % of

dated as stated in the Schedule which shall be the Age of the vehicle Deprecia-
basis of this contract and is deemed to be incorporated tion
herein has applied to TATA AIG GENERAL INSURANCE
Not Exceeding 6 months NIL
COMPANY LTD. (hereinafter called the Company) for
Exceeding 6 months but not
the Insurance hereinafter contained and has paid the 5%
exceeding 1 year
premium mentioned in the schedule as consideration
for such Insurance in respect of accidental loss or Exceeding 1 year but not exceeding
10%
damage occurring during the Period of Insurance. 2 years
Exceeding 2 year but not exceeding
NOW THIS POLICY WITNESSETH: 15%
3 years
That subject to the Terms, Exceptions and Conditions Exceeding 3 years but not exceeding
25%
contained herein or endorsed or expressed hereon; 4 years
SECTION I – LOSS OF OR DAMAGE TO THE VEHICLE Exceeding 4 years but not exceeding
35%
INSURED 5 years
Exceeding 5 years but not exceeding
1. The Company will indemnify the Insured against 40%
10 years
loss or damage to the vehicle insured hereunder
Exceeding 10 years 50%
and/or its accessories whilst thereon:
5. Rate of depreciation for painting: In the case of
(i) by fire, explosion self-ignition or lightning; painting, depreciation rate of 50% shall be applied
(ii) by burglary, housebreaking or theft; only on the material cost of total painting charges.
In case of a consolidated bill for painting charges,
(iii) by riot and strike; the material component shall be considered as
(iv) by earthquake (Fire and Shock Damage); 25% of the total painting charges for the purpose
of applying the depreciation.
(v) by flood, typhoon, hurricane, storm, tempest,
inundation, cyclone, hailstorm, frost; 2. The Company shall not be liable to make any
payment in respect of:
(vi) by accidental external means;
(a) Consequential loss, depreciation, wear and tear,
(vii) by malicious act; mechanical or electrical breakdown, failures or
(viii) by terrorist activity; breakages;
(ix) whilst in transit by road rail inland - waterway (b) Damage to tyres and tubes unless the vehicle
lift elevator or air; is damaged at the same time in which case the
liability of the Company shall be limited to 50%
(x) by landslide, rockslide. of the cost of replacement. And
Subject to deduction for depreciation at the rates (c) Any accidental loss or damage suffered whilst
mentioned below in respect of parts replaced: the Insured or any person driving the vehicle
Subject to a deduction for depreciation at with the knowledge and consent of the Insured
the rates mentioned below in respect of the is under the influence of intoxicating liquor or
parts replaced drugs.
1. For All Rubber/ Nylon/ Plastic 3. In the event of the vehicle being disabled by reason
50%
Parts, tyres, tubes and batteries of loss or damage covered under this Policy the
2. For Fibre glass components 30% Company will bear the reasonable cost of protection
3. For All Parts made of Glass NIL and removal to the nearest repairer and redelivery
to the insured but not exceeding in all Rs. 1500/- in
4. Rate of depreciation for all other
respect of any one accident.
parts including wooden parts will be
as per following schedule 4. The insured may authorise the repair of the vehicle
necessitated by damage for which the Company
may be liable under this Policy provided that:
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(a) the estimated cost of such repair including aggregate cost of retrieval and/or repair of the vehicle,
replacements, if any, does not exceed Rs. 500/-; subject to terms and conditions of the policy, exceeds
75% of the IDV of the vehicle.
(b) the company is furnished forthwith with a
detailed estimate of the cost of repairs; SECTION II – LIABILITY TO THIRD PARTIES
and 1. Subject to the limits of liability as laid down in the
Schedule hereto the Company will indemnify the
(c) the Insured shall give the Company every
Insured in the event of an accident caused by or
assistance to see that such repair is necessary
arising out of the use of the vehicle against all sums
and the charges are reasonable.
which the insured shall become legally liable to pay
SUM INSURED - INSURED’S DECLARED VALUE (IDV) in respect of:
The Insured’s Declared Value (IDV) of the vehicle will be (i) death of or bodily injury to any person including
deemed to be the ‘SUM INSURED’ for the purpose of occupants carried in the vehicle (provided such
this Policy which is fixed at the commencement of each occupants are not carried for hire or reward)
policy period for the insured vehicle. but except so far as it is necessary to meet
The IDV of the vehicle (and accessories if any fitted to the the requirements of Motor Vehicles Act, the
vehicle) is to be fixed on the basis of the manufacturer’s Company shall not be liable where such death
listed selling price of the brand and model as the vehicle or injury arises out of and in the course of the
insured at the commencement of insurance/renewal employment of such person by the insured.
and adjusted for depreciation (as per scheduled below): (ii) damage to property other than property
The schedule of age-wise depreciation as shown below belonging to the insured or held in trust or in
is applicable for the purpose of Total Loss/Constructive the custody or control of the Insured.
Total Loss (TL/CTL) claims only. 2. The Company will pay all costs and expenses
THE SCHEDULE OF DEPRECIATION FOR FIXING IDV OF incurred with its written consent.
THE VEHICLE 3. In terms of and subject to the limitations of the
indemnity granted by this section to the insured,
% of Depreciation
Age of The Vehicle the Company will indemnify and driver who is
For Fixing IDV
driving the vehicle on the insured’s order or with
Not exceeding 6 months 5% insured’s permission provided that such driver shall
Exceeding 6 months but not as though he/she was the insured observe fulfill and
15%
exceeding 1 year be subject to the Terms Exceptions and Conditions
Exceeding 1 year but not of this Policy in so far as they apply.
20%
exceeding 2 years
4. In the event of the death of any person entitled
Exceeding 2 years but not to indemnity under this Policy the Company will
30%
exceeding 3 years
in respect of the liability incurred by such person
Exceeding 3 years but not indemnify his/her personal representative in terms
40%
exceeding 4 years of and subject to the limitations of this Policy
Exceeding 4 years but not provided that such personal representative shall as
50%
exceeding 5 years though such representative was the insured observe
IDV of vehicles beyond 5 years of age and of obsolete fulfill and be subject to the Terms Exceptions and
models of vehicles (i.e. models which the manufacturers Conditions of this Policy in so far as they apply.
have discontinued to manufacture) is to be determined
5. The Company may at its own option
on the basis of an understanding between the insurer
and the insured. (A) arrange for representation at any Inquest or
Fatal Inquiry in respect of any death which may
IDV shall be treated as the ‘Market Value’ throughout
be the subject of indemnity under this Policy,
the policy period without any further depreciation for
and
the purpose of Total Loss (TL) / Constructive Total Loss
(CTL) claims. (B) undertake the defense of proceedings in any
Court of Law in respect of any act or alleged
The insured vehicle shall be treated as a CTL if the
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UIN: IRDAN108RP0002V01200001
offence causing or relating to any event which B) No compensation shall be payable in respect of
may be the subject of indemnity under this death or bodily injury directly or indirectly wholly
Policy. or in part arising or resulting from or traceable
to (1) intentional self injury suicide or attempted
AVOIDANCE OF CERTAIN TERMS AND RIGHT OF
suicide physical defect or infirmity or (2) an accident
RECOVERY
happening whilst such person is under the influence
Nothing in this Policy or any endorsement hereon shall of intoxicating liquor or drugs.
affect the right of any person indemnified by this Policy
C) Such compensation shall be payable directly to the
or any other person to recover an amount under or by
insured or to his/her legal representatives whose
virtue of the provisions of the Motor Vehicles Act.
receipt shall be the full discharge in respect of the
But the Insured shall repay to the Company all sums injury to the insured.
paid by the Company which the Company would not
This cover is subject to
have been liable to pay but for the said provisions.
(a) the owner-driver is the registered owner of the
APPLICATION OF LIMITS OF INDEMNITY
vehicle inured herein;
In the event of any accident involving indemnity to
(b) the owner-driver is the insured named in this policy;
more than one person any limitation by the terms of
this Policy and/or of any Endorsement thereon of the (c) the owner-driver holds an effective driving license,
amount of any indemnity shall apply to the aggregate in accordance with the provisions of Rule 3 of the
amount of indemnity to all persons indemnified and Central Motor Vehicles Rules, 1989, at the time of
such indemnity shall apply in priority to the insured. the accident.
SECTION III - PERSONAL ACCIDENT COVER FOR • Nominee details are mandatory for this cover.
OWNER-DRIVER Please provide nominee details in proposal form.
The company undertakes to pay compensation as per GENERAL EXCEPTIONS
the following scale for bodily injury/death sustained by
(Applicable to all Sections of the Policy)
the owner-driver of the vehicle, in direct connection with
the vehicle insured or whilst driving or mounting into/ The Company shall not be liable under this policy in
dismounting from the vehicle insured or whilst travelling respect of
in it as a co-driver, caused by violent, accidental, external 1. Any accidental loss or damage and/or liability caused
and visible means which independent of any other cause sustained or incurred outside the Geographical
shall within six calendar months of such injury result in: Area.
Nature of injury Scale of Compensation 2. Any claim arising out of any contractual liability;
i) Death 100% 3. Any accidental loss or damage and/or liability
ii) Loss of two limbs or sight caused sustained or incurred whilst the vehicle
of two eyes or one limb and 100% insured herein is
sight of one eye
(a) being used otherwise than in accordance with
iii) Loss of one limb or sight
50% the ‘Limitations as to Use’ or
of one eye
iv) Permanent Total (b) being driven by or is for the purpose of being
Disablement from injuries 100% driven by him/her in the charge of any person
other than named above other than a Driver as stated in the Driver’s
Clause.
Provided always that
4. (a) any accidental loss or damage to any property
A) compensation shall be payable under only one of
whatsoever or any loss or expense whatsoever
the items (i) to (iv) above in respect of the owner-
resulting or arising there from or any consequential
driver arising out of any one occurrence and the
loss.
total liability of the insurer shall not in the aggregate
exceed the sum of Rs.15 lakhs during any one period (b) any liability of whatsoever nature directly
of insurance. or indirectly caused by or contributed to
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by or arising from ionising radiations or under this policy.

contamination by radioactivity from any
B) Conditions during the contract
nuclear fuel or from any nuclear waste from the
combustion of nuclear fuel. For the purpose of 1. Duties and Obligations after Occurrence of
this exception combustion shall include any self an Insured Event
sustaining process of nuclear fission; 1) Notice shall be given in writing to the
5. Any accidental loss or damage or liability directly or Company immediately upon the occurrence
indirectly caused by or contributed to by or arising of any accidental loss or damage and in
from nuclear weapons material; the event of any claim and thereafter the
insured shall give all such information and
6. Any accidental loss or damage and/or liability
assistance as the Company shall require.
directly or indirectly or proximately or remotely
Every letter claim writ summons and/or
occasioned by contributed to by or traceable to or
process or copy thereof shall be forwarded
arising out of or in connection with war, invasion,
to the Company immediately on receipt by
the act of foreign enemies, hostilities or warlike
the insured.
operations (whether before or after declaration of
war) civil war, mutiny rebellion, military or usurped 2) Notice shall also be given in writing to
power or by any direct or indirect consequence the Company immediately the insured
of any of the said occurrences and in the event of shall have knowledge of any impending
any claim hereunder the insured shall prove that prosecution Inquest or Fatal Inquiry in
the accidental loss or damage and/or liability arose respect of any occurrence which may give
independently of and was in no way connected with rise to a claim under this policy.
or occasioned by or contributed to by or traceable 3) In case of theft or criminal act which may be
to any of the said occurrences or any consequences the subject of a claim under this policy the
thereof and in default of such proof, the Company insured shall give immediate notice to the
shall not be liable to make any payment in respect police and co-operate with the company in
of such a claim. securing the conviction of the offender.
DEDUCTIBLE 4) No admission offer promise payment or
The Company shall not be liable for each and every indemnity shall be made or given by or on
claim under Section - I (loss of or damage to the vehicle behalf of the insured without the written
insured) of this Policy in respect of the deductible stated consent of the Company which shall be
in the Schedule. entitled if it so desires to take over and
conduct in the name of the insured the
GENERAL CONDITIONS
defence or settlement of any claim or to
This Policy and the Schedule shall be read together and prosecute in the name of the insured for
any word or expression to which a specific meaning has its own benefit any claim for indemnity or
been attached in any part of this Policy or of the Schedule damages or otherwise and shall have full
shall bear the same meaning wherever it may appear. discretion in the conduct of any proceedings
or in the settlement of any claim and the
A) Conditions precedent to contract
insured shall give all such information and
1. Premium to be paid for the Policy Period before assistance as the Company may require.
Policy commencement date as opted by insured
5) At any time after the happening of any
in the proposal form.
event giving rise to a claim under Section II
2. The due observance and fulfillment of the of this Policy the Company may pay to the
terms conditions and endorsements of this insured the full amount of the Company’s
policy in so far as they relate to anything to be liability under the Section and relinquish
done or complied with by the insured and the the conduct of any defence settlement or
truth of the statements and answers in the said proceedings
proposal shall be condition precedent to any
6) The Company may at its own option repair
liability of the Company to make any payment
reinstate or replace the vehicle insured
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UIN: IRDAN108RP0002V01200001
or part thereof and/or its accessories or by the insured on fifteen days notice by
may pay in cash the amount of the loss or recorded delivery and provided no claim
damage and the liability of the Company has arisen during the currency of the
shall not exceed: policy, the insured shall be entitled to a
return of premium less premium at the
(a) for total loss / constructive total loss
company’s short period rates for the period
of the vehicle - the Insured’s Declared
the policy has been in force. Return of the
Value (IDV) of the vehicle (including
premium by the Company will be subject
accessories thereon) as specified in the
to retention of the minimum premium of
Schedule less the value of the wreck.
Rs. 100/- (or Rs. 25/- in respect of vehicles
(b) for partial losses, i.e. losses other than specifically designed/modified for use by
Total Loss/Constructive Total Loss of blind/handicapped/ mentally challenged
the vehicle - actual and reasonable persons). Where the ownership of the
costs of repair and/or replacement vehicle is transferred, the Policy cannot be
of parts lost/damaged subject to cancelled unless evidence that the vehicle
depreciation as per limits specified. is insured elsewhere is produced.
2. Reasonable Care a. Cancellation premium retention grid:
The Insured shall take all reasonable steps % OF ANNUAL
to safeguard the vehicle insured from loss or PERIOD PREMIUM TO
damage and to maintain it in efficient condition. RETAIN
3. Right to Inspect Not exceeding 1
20%
month
The Company shall have at all times free and
full access to examine the vehicle insured or Exceeding 1 month
but not exceeding 30%
any part thereof or any driver or employee of
2 months
the insured. In the event of any accident or
breakdown, the vehicle insured shall not be Exceeding 2
left unattended without proper precautions months but not
40%
exceeding 3
being taken to prevent further damage or loss
months
and if the vehicle insured be driven before the
necessary repairs are effected, any extension Exceeding 3
months but not
of the damage or any further damage to the 50%
exceeding 4
vehicle shall be entirely at the insured’s own risk.
months
4. Cancellation Exceeding 4
a) The Company may cancel the policy by months but not
60%
sending fifteen days notice by recorded exceeding 5
months
delivery to the insured at insured’s last
known address and in such event will Exceeding 5
return to the insured the premium paid months but not
70%
exceeding 6
less the pro rata portion thereof for the
months
period the policy has been in force unless
the policy is cancelled on the grounds of Exceeding 6
mis-representation, fraud, non-disclosure months but not
80%
exceeding 7
of material facts or non-cooperation of
months
the insured in which case the policy will be
cancelled on ‘ab-initio’ basis with forfeiture Exceeding 7
of premium and non consideration of
months but not
90%
exceeding 8
claim, if any.
months
b) The policy may be cancelled at any time
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Exceeding 8 Full annual Note: The above list is only indicative. You may be
months premium/ rate asked for additional documents. For more details,
please refer to the intimation cum preliminary claim
5. Contribution form.
If at the time of occurrence of an event that D) Conditions for renewal of the contract
gives rise to any claim under this policy, there
is in existence any other insurance covering the Renewal Notice
same loss, damage or liability, the Company The Policy may be renewed with our consent. The
shall not be liable to pay or contribute more benefits under the policy or/and the terms and
than its ratable proportion of any compensation conditions of the policy, including premium rate
cost or expense. may be subject to change.
C) Conditions when a claim arises We, however, are not bound to give notice that it is
The insured / claimant will intimate claim to TATA due for renewal. Unless renewed as herein provided,
AIG via – this Policy shall terminate at the expiration of the
period for which premium has been paid / received.
I. Call Centre: No renewal receipt shall be valid unless it is on the
• Toll Free Number – 18002667780 printed form of the Company and signed by an
authorized official of the Company.
• Email - general.claims@tataaig.com
E) Special Conditions
• Website – www.tataaig.com
1. In the event of the death of the sole insured, this
II. Insured or claimant shall furnish immediate
policy will not immediately lapse but will remain
loss details, which shall include details of the
valid for a period of three months from the date
loss event, location of the loss, location of the
of the death of insured or until the expiry of
damaged vehicle, and names and telephone
this policy (whichever is earlier). During the said
numbers of contact personnel
period, legal heir(s) of the insured to whom the
III. If the claim is for theft, insured should report custody and use of the Motor Vehicle passes
to the Police as well as insurer within 48 may apply to have this policy transferred to the
hrs from theft and obtain an FIR or a written name(s) of the heir(s) or obtain a new insurance
acknowledgement from the Police authorities. policy for the Motor Vehicle.
Notice of claim must be given by you to us Where such legal heir(s) desire(s) to apply for
immediately after an actual or potential loss begins a transfer of this policy or obtain a new policy
or as soon as reasonably possible after actual or for the vehicle such heir(s) should make an
potential loss begins. application to the Company accordingly within
the aforesaid period. All such applications
In case of vehicle theft, a police complaint has to
should be accompanied by:-
be filed immediately after the loss. Please keep the
following information ready when you call the call a. Death certificate in respect of the insured
centre:
b. Proof of title to the vehicle
1. Your Contact Numbers
c. Original Policy
2. Policy Number
2. In the event the claim is not settled within
3. Name of Insured 30 days, the Company shall be liable to pay
interest at a rate, which is 2% above the bank
4. Date & Time of loss
rate from the date of receipt of last relevant
5. Location of loss and necessary document from the Insured/
6. Nature of Loss claimant by Company till the date of actual
payment.
7. Place & Contact Details of the person at the loss
location 3. Failure to furnish evidence within the time
required shall not invalidate nor reduce any
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claim if You can satisfy Us that it was not connection with this Policy.
reasonably possible for You to give the proof
Subject otherwise to the terms exceptions conditions
within such time.
and limitations of this Policy.
Auto Secure Endorsements (attached to and forming
IMT6. LEASE AGREEMENT
part of Policy)
It is hereby understood and agreed that ........ [hereinafter
IMT1. Extension of Geographical Area
referred to as the Lessors (refer Policy Schedule)] are
In consideration of the payment of an additional the Owners of the vehicle insured and that the vehicle
premium of Rs……….it is hereby understood and agreed insured is the subject of a Lease Agreement made
that notwithstanding anything contained in this Policy between the Lessor on the one part and the insured on
to the contrary the Geographical Area in this Policy the other part and it is further understood and agreed
shall from the . . ./ . ./ . . . . to the . …/. . /. . . .(both days that the Lessors are interested in any monies which but
inclusive) be deemed to include * for this Endorsement would be payable to the insured
under this Policy in respect of such loss or damage to
It is further specifically understood and agreed that
the vehicle insured as cannot be made good by repair
such geographical extension excludes cover for damage
and/or replacement of parts and such monies shall
to the vehicle insured / injury to its occupants / third
be paid to the Lessors as long as they are the owners
party liability in respect of the vehicle insured during
of the vehicle insured and their receipt shall be a full
sea voyage / air passage for the purpose of ferrying the
and final discharge to the insurer in respect of such
vehicle insured to the extended geographical area.
loss or damage. It is also understood and agreed that
Subject otherwise to the terms exceptions conditions notwithstanding any provision in the Leasing Agreement
and limitations of this Policy. to the contrary, this Policy is issued to the insured
NOTE:- Insert Nepal/ Sri Lanka/ Maldives/ Bhutan/ namely................. (refer Policy Schedule) as the principal
Pakistan/ Bangladesh as the case may be. party and not as agent or trustee and nothing herein
contained shall be construed as constituting the insured
IMT5.HIRE PURCHASE AGREEMENT an agent or trustee for the Lessors or as an assignment
It is hereby understood and agreed that ..... [hereinafter (whether legal or equitable) by the insured to the Lessors,
referred to as the Owners (refer Policy Schedule)] are of his rights benefits and claims under this Policy and
the Owners of the vehicle insured and that the vehicle further nothing herein shall be construed as creating or
insured is subject of an Hire’ Purchase Agreement made vesting any right in the Owner/Lessor to sue the insurer
between the Owners on the one part and the insured on in any capacity whatsoever for any alleged breach of its
the other part and it is further understood and agreed obligations hereunder.
that the Owners are interested in any monies which but It is further declared and agreed that for the purpose
for this Endorsement would be, payable to the insured of the Personal Accident Cover for the owner-driver
under this Policy in respect of such loss or damage to granted under this Policy, the insured named in the
the vehicle insured as cannot be made good by repair Policy will continue to be deemed as the owner-driver
and/or replacement of parts and such monies shall be subject to compliance of provisions of the Policy relating
paid to the Owners as long as they are the Owners of to this cover.
the vehicle insured and their receipt shall be a full and
final discharge to the insurer in respect of such loss Save as by this Endorsement expressly agreed nothing
or damage. herein shall modify or affect the rights and liabilities
of the insured or the insurer respectively under or in
It is further declared and agreed that for the purpose connection with this Policy.
of the Personal Accident Cover for the owner-driver
granted under this Policy, the insured named in the Subject otherwise to the terms exceptions conditions
Policy will continue to be deemed as the owner-driver and limitations of this Policy.
subject to compliance of provisions of the Policy relating IMT7. VEHICLE SUBJECT TO HYPOTHECATION
to this cover. AGREEMENT
Save as by this Endorsement expressly agreed nothing It is hereby declared and agreed that the vehicle insured
herein shall modify or affect the rights and liabilities is pledged to /hypothecated with ...............................
of the insured or the insurer respectively under or in [hereinafter referred to as the “Pledgee” (refer Policy
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Schedule)] and it is further understood and agreed Association of India (ARAI), Pune has been installed
that the Pledgee is interested in any monies which but in the vehicle insured herein a premium discount of
for this Endorsement would be payable to the insured Rs…………** is hereby allowed to the insured.
under this Policy in respect of such loss or damage to
It is hereby understood and agreed that the insured shall
the vehicle insured as cannot be made good by repair
ensure at all times that this Anti-theft device installed in
and/or replacement of parts and such monies shall be
the vehicle insured is maintained in efficient condition
paid to the Pledgee as long as they are the Pledgee of
till the expiry of this policy.
the vehicle insured and their receipt shall be a full and
final discharge to the insurer in respect of such loss or Subject otherwise to the terms, exceptions, conditions
damage. and limitations of the policy
It is further declared and agreed that for the purpose * The name of the certifying Automobile Association is
of the Personal Accident Cover for the owner-driver to be inserted.
granted under this Policy, the insured named in the ** Premium discount calculated as per tariff provision is
Policy will continue to be deemed as the owner-driver to be inserted. For mid-term certification of installation
subject to compliance of provisions of the Policy relating of Anti Theft device pro-rata proportion of tariff discount
to this cover. for the unexpired period is to be inserted.
Save as by this Endorsement expressly agreed that IMT.12. DISCOUNT FOR SPECIALLY DESIGNED/
nothing herein shall modify or affect the rights or MODIFIED VEHICLES FOR THE BLIND, HANDICAPPED
liabilities of the insured or the insurer respectively under AND MENTALLY CHALLENGED PERSONS.
or in connection with this Policy or any term, provision
or condition thereof. Notwithstanding anything to the contrary contained
in the policy it is hereby understood and agreed that
Subject otherwise to the terms exceptions conditions the vehicle insured being specially designed /modified
and limitations of this Policy. for use of blind, handicapped and mentally challenged
IMT8.DISCOUNT FOR MEMBERSHIP OF RECOGNISED persons and suitable endorsement to this effect having
AUTOMOBILE ASSOCIATIONS been incorporated in the Registration Book by the
Registering Authority, a discount of 50% on the Own
It is hereby understood and agreed that in consideration
Damage premium for the vehicle insured is hereby
of insured’s membership of ………………** a discount
allowed to the insured.
in premium of Rs. ……….* is allowed to the insured
hereunder from …./…../…... Subject otherwise to the terms exceptions conditions
and limitations of the policy.
It is further understood and agreed that if the insured
ceases to be a member of the above mentioned IMT.13 .USE OF VEHICLE WITHIN INSURED’S OWN
association during the currency of this Policy the PREMISES
insured shall immediately notify the insurer accordingly (Applicable to all classes except as otherwise
and refund to the insurer a proportionate amount of provided in the tariff )
the discount allowed on this account for the unexpired
period of the cover. It is hereby understood and agreed that the insurer
shall not be liable in respect of the vehicle insured while
Subject otherwise to the terms, exceptions, conditions the vehicle is being used elsewhere than in the insured’s
and limitations of the policy premises except where the vehicle is specifically required
* For full policy period, the full tariff discount to be for a mission to fight a fire.
inserted. For mid-term membership, prorata proportion For the purposes of this endorsement ‘Use confined to
of the tariff discount for the unexpired policy period is own premises’ shall mean use only on insured’s premises
to be inserted. to which public have no general right of access.
** Insert name of the concerned Automobile Association. IMT15. PERSONAL ACCIDENT COVER TO THE INSURED
IMT10. INSTALLATION OF ANTI-THEFT DEVICE OR ANY NAMED PERSON OTHER THAN PAID DRIVER
OR CLEANER
In consideration of certification by …………………* that
an Anti-Theft device approved by Automobile Research In consideration of the payment of an additional
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premium it is hereby agreed and understood that the {For vehicles rated as Private cars and Motorised two
Company undertakes to pay compensation on the scale wheelers (not for hire or reward) with or without
provided below for bodily injury as hareinafter defined side car}
sustained by the insured person in direct connection
In consideration of the payment of an additional
with the vehicle insured or whilst mounting and
premium it is hereby understood and agreed that the
dismounting from or traveling in vehicle insured and
insurer undertakes to pay compensation on the scale
caused by violent accidental external and visible means
provided below for bodily injuries hereinafter defined
which independently of any other cause shall within six
sustained by any passenger other than the insured
calendar months of the occurrence of such injury result in:
and/or the paid driver attendant or cleaner and/or a
person in the employ of the insured coming within the
scope of the Workmen’s Compensation Act, 1923 and
Nature of injury Scale of Compensation subsequent amendments of the said Act and engaged
i) Death 100% in and upon the service of the insured at the time such
ii) Loss of two limbs or sight injury is sustained whilst mounting into, dismounting
of two eyes or one limb and 100% from or traveling in the insured motor car and caused
sight of one eye by violent, accidental, external and visible means which
iii) Loss of one limb or sight independently of any other cause shall within three
50%
of one eye calendar months of the occurrence of such injury result in;
iv) Permanent Total
Nature of injury Scale of Compensation
Disablement from injuries 100%
other than named above i) Death 100%
ii) Loss of two limbs or sight
Provided always that:
of two eyes or one limb and 100%
(1) Compensation shall be payable under only one sight of one eye
of the items (i) to (iv) above in respect of any such iii) Loss of one limb or sight
50%
person arising out of any one occurrence and total of one eye
liability of the insurer shall not in the aggregate iv) Permanent Total
exceed the sum of Rs... *(refer Policy Schedule) Disablement from injuries 100%
during anyone period of insurance in respect of any other than named above
such person.
Provided always that:-
(2) no compensation shall be payable in respect of death
(1) compensation shall be payable under only one of
or injury directly or indirectly wholly or in part arising
the items (i) to (iv) above in respect of any such
or resulting from or traceable to (a) intentional self
person arising out of anyone occurrence and total
injury suicide or attempted suicide physical defect
liability of the insurer shall not in the aggregate
or infirmity or (b) an accident happening whilst such
exceed the sum of Rs..... *(refer Policy Schedule)
person is under the influence of intoxicating liquor
during anyone period of insurance in respect of any
or drugs.
such person.
(3) such compensation shall be payable only with
(2) no compensation shall be payable in respect of death
the approval of the insured named in the Policy
or injury directly or indirectly wholly or in part arising
and directly to the injured person or his/her legal
or resulting from or traceable to (a) intentional self
representative(s) whose receipt shall be a full
injury suicide or attempted suicide physical defect
discharge in respect of the injury of such person.
or infirmity or (b) an accident happening whilst such
Subject otherwise to the terms exceptions conditions person is under the influence of intoxicating liquor
and limitations of this Policy. or drugs.
* The Capital Sum Insured (CSI) per passenger is to be (3) such compensation shall be payable only with
inserted. the approval of the insured named in the Policy
IMT16. PERSONAL ACCIDENT TO UNNAMED and directly to the injured person or his/her legal
PASSENGERS OTHER THAN INSURED AND THE PAID representative(s) whose receipt shall be a full
DRIVER AND CLEANER discharge in respect of the injury of such person.
10
UIN: IRDAN108RP0002V01200001
(4) not more than ...... ** (refer Policy Schedule) (3) such compensation shall be payable only with
persons/passengers are in the vehicle insured at the approval of the insured named in the Policy
the time of occurrence of such injury. and directly to the injured person or his/her legal
representative(s) whose receipt shall be a full
- Subject otherwise to the terms exceptions conditions
discharge in respect of the injury of such person.
Subject otherwise to the terms exceptions conditions
* The Capital Sum Insured (CSI) per passenger is to be
inserted.
* The Capital Sum Insured (CSI) per person is to be
** The registered seating capacity of the vehicle insured
inserted.
is to be inserted.
IMT19. COVER FOR VEHICLES IMPORTED WITHOUT
IMT17. PERSONAL ACCIDENT COVER TO PAID
CUSTOMS DUTY
DRIVERS, CLEANERS AND CONDUCTORS
Notwithstanding anything to the contrary contained in
In consideration of the payment of an additional
this Policy it is hereby understood and agreed that in
premium, it is hereby understood and agreed that
the event of loss or damage to the vehicle insured and/
the insurer undertakes to pay compensation on the
or its accessories necessitating the supply of a part not
scale provided below for bodily injury as hereinafter
obtainable from stocks held in the country in which the
defined sustained by the paid driver/cleaner/conductor
vehicle insured is held for repair or in the event of the
in the employ of the insured in direct connection with
insurer exercising the option under Condition 3 to pay
the vehicle insured whilst mounting into dismounting
in cash the amount of the loss or damage the liability of
from or travelling in the insured vehicle and caused
the insurer in respect of any such part shall be limited to:
by violent accidental external and visible means which
independently of any other cause shall within six calendar (a) (i) the price quoted in the latest catalogue or the
months of the occurrence of such injury result in; price list issued by the Manufacturer or his Agent
for the country in which the vehicle insured is held
Nature of injury Scale of Compensation for repair less depreciation applicable;
i) Death 100%
OR
ii) Loss of two limbs or sight
of two eyes or one limb and 100% (ii) if no such catalogue or price list exists the price
sight of one eye list obtaining at the Manufacturer’s Works plus
iii) Loss of one limb or sight the reasonable cost of transport otherwise than
50% by air to the country in which the vehicle insured
of one eye
iv) Permanent Total is held for repair and the amount of the relative
Disablement from injuries 100% import duty less depreciation applicable under
other than named above the Policy;
Provided always that: and
(1) compensation shall be payable under only one of (b) the reasonable cost of fitting such parts,
the items (i) to (iv) above in respect of any such Subject otherwise to the terms conditions limitations
person arising out of any one occurrence and total and exceptions of this Policy.
liability of the insurer shall not in the aggregate
exceed the sum of Rs....................* (refer Policy IMT20.REDUCTION IN THE LIMIT OF LIABILITY FOR
Schedule) during any one period of insurance in PROPERTY DAMAGE
respect of any such person. It is hereby understood and agreed that notwithstanding
(2) no compensation shall be payable in respect of death anything to the contrary contained in the Policy the
or injury directly or indirectly wholly or in part arising insurers liability is limited to Rs. 6000/- (Rupees six
or resulting from or traceable to (a) intentional self thousand only) for damage to property other than the
injury suicide or attempted suicide physical defect property belonging to the insured or held in trust or in
of infirmity or (b) an accident happening whilst such custody or control of the insured.
person is under the influence of intoxicating liquor In consideration of this reduction in the limit of liability
or drugs.
11
UIN: IRDAN108RP0002V01200001
a reduction in premium of Rs. 100/- for Private Cars is expenditure which may be incurred) of any expenditure
hereby made to the insured. for which provision has been made under this policy
and/or of any expenditure by the insurer in the exercise
Subject otherwise to the terms conditions limitations
of his discretion under Condition no. 3 of this policy.
and exceptions of the Policy.
If the expenditure incurred by the insurer shall include
IMT22.COMPULSORY DEDUCTIBLE
any amount for which the insured is responsible
Notwithstanding anything to the contrary contained in hereunder such amount shall be repaid by the insured
the Policy it is hereby understood and agreed that the to the insurer forthwith.
insured shall bear under Section I of the Policy in respect
For the purpose of this Endorsement the expression
of each and every event (including event giving rise to a
“event” shall mean an event or series of events arising
total loss/constructive total loss) the first Rs.........* (refer
out of one cause in connection with the vehicle insured
Policy Schedule) (or any less expenditure which may
in respect of which indemnity is provided under this
incurred) or any expenditure for which provision has
policy.
been made under this Policy and/or of any expenditure
by the insurer in the exercise of his discretion under Subject otherwise to the terms conditions limitations
Condition no. 3 for Private Cars/Two wheeler Policy. and exceptions of this Policy.
If the expenditure incurred by the insurer shall include IMT24.ELECTRICAL/ELECTRONIC FITTINGS
any amount for which the insured is responsible
(Items fitted in the vehicle but not included in the
hereunder such amount shall be repaid by the insured
manufacturer’s listed selling price of the vehicle -
to the insurer forthwith.
Package Policy only)
For the purpose of this Endorsement the expression
In consideration of the payment of additional premium of
“event” shall mean an event or series of events arising
Rs.......(refer Policy Schedule) notwithstanding anything
out of one cause in connection with the vehicle insured
to the contrary contained in the Policy it is hereby
in respect of which indemnify is provided under this
understood and agreed that the insurer will indemnify
Policy.
the insured against loss of or damage to such electrical
Subject otherwise to the terms conditions limitations and/or electronic fitting(s) as specified in the schedule
and exceptions of this Policy. whilst it/these is/are fitted in or on the vehicle insured
where such loss or damage is occasioned by any of the
(i) to insert amount as appropriate to the class of
perils mentioned in Section 1 of the Policy. The insurer
vehicle insured as per GR.40 of the tariff.
shall, however, not be liable for loss of or damage to
(ii) in respect of a vehicle rated under the Tariff for such fitting(s) caused by/as a result of mechanical or
Private Car and in respect of a motorised two wheeler electrical breakdown. Provided always that the liability
not carrying passengers for hire or reward, if any of the insurer hereunder shall not exceed the Insured’s
deductible in addition to the compulsory deductible Declared Value (IDV) of the item. Subject otherwise to
provided in this endorsement is voluntarily borne the terms conditions limitations and exceptions of this
by the insured, the sum representing the aggregate Policy.
of the compulsory and the voluntary deductibles is
IMT27.LIABILITY AND FIRE AND/OR THEFT
to be inserted.
Notwithstanding anything to the contrary contained in
IMT 22A VOLUNTARY DEDUCTIBLE
the Policy it is hereby understood and agreed the Section
It is by declared and agreed that the insured having I of the Policy the insurer shall not be liable there under
opted a voluntary deductible of Rs.____ (refer schedule) except in respect of loss or damage by fire explosion
a reduction in premium of self ignition lightning and/or burglary housebreaking
Rs. _____under Section 1 of the policy is hereby allowed. theft and riot strike malicious damage terrorism storm
tempest flood inundation and earthquake perils.
In consideration of the above, it is hereby understood
and agreed that the insured shall bear under Section 1 of Subject otherwise to the terms conditions limitations
the policy in respect of each and every event (including and exceptions of the Policy.
event giving rise to a total loss/constructive total NB. (i) In case of Liability and Fire Risks only, the words
loss) the first Rs......(refer policy schedule) or (any less “burglary housebreaking theft” are to be deleted.
12
UIN: IRDAN108RP0002V01200001
NB.(ii) In case of Liability and Theft Risks only, the Common Law and Statutory Liability under the Fatal
words “fire explosion self ignition lightning riot strike Accidents Act, 1855 for compensation (including legal
malicious damage terrorism storm tempest flood costs of any claimant) for death of or bodily injury to any
inundation and earthquake perils” are to be deleted. employee (other than paid drivers) of the within named
insured being carried in or upon or entering in or getting
IMT28. LEGAL LIABILITY TO PAID DRIVER AND/
on to or alighting from or driving the vehicle insured.
OR CONDUCTOR AND/OR CLEANER EMPLOYED IN
CONNECTION WITH THE OPERAION OF INSURED Provided that in the event of an accident, whilst the
VEHICLE vehicle insured is carrying more than 5 employees of
the insured (including the driver), the insured shall
In consideration of an additional premium of Rs. 50/-
repay to the insurer a rateable proportion of the total
notwithstanding anything to the contrary contained in
amount payable by the insurer by the reason of this
the Policy it is hereby understood and agreed that the
endorsement in respect of accident in connection with
insurer shall indemnify the insured against the insured’s
such vehicle insured.
legal liability under the Workmen’s Compensation Act,
1923, the Fatal Accidents Act, 1855 or at Common Law Subject otherwise to the terms, conditions limitations
and subsequent amendments of these Acts prior to the and exceptions of this Policy.
date of this Endorsement in respect of personal injury to
Auto Secure – Private Car Package Policy Add On
any paid driver and/or conductor and/or cleaner whilst
Covers
engaged in the service of the insured in such occupation
in connection with the vehicle insured herein and will TA01-Depreciation Reimbursement
in addition be responsible for all costs and expenses (UIN:IRDAN108RP0002V01200001/A0001V01200910)
incurred with its written consent. This cover is applicable if it is shown on your schedule.
Provided always that: What is Covered:
(1) this Endorsement does not indemnify the insured We will pay you the amount of depreciation deducted
in respect of any liability in cases where the insured on the value of parts replaced under own damage claim,
holds or subsequently effects with any insurer or lodged under section 1 (own damage) of the policy. We
group of insurers a Policy of Insurance in respect will pay for the first 2 claims reported to us during the
of liability as herein “defined for insured’s general Period of insurance.
employees;
Special Conditions applicable to this cover in addition to
(2) the insured shall take reasonable precautions to the General Conditions:
prevent accidents and shall comply with all statutory
obligations; • A claim where replacement of any part is not
involved and no depreciation is deducted under
(3) in the event of the Policy being cancelled at the own damage claim, will not be considered as claim
request of the insured no refund of the premium under this cover.
paid in respect of this Endorsement will be allowed.
• Vehicle is repaired at any of our Authorised Garage/
Subject otherwise to the terms conditions limitations Authorised workshop/Authorised service station.
and exceptions of the Policy except so far as necessary
to meet the requirements of the Motor Vehicles Act, TA02 Daily Allowance
1988. (UIN IRDAN108RP0002V01200001/A0051V01201819)
IMT29. LEGAL LIABILITY TO EMPLOYEES OF THE INSURED This cover is applicable if it is shown on your schedule.
OTHER THAN PAID DRIVER AND/OR CONDUCTOR AND/ What is Covered:
OR CLEANER WHO MAY BE TRAVELLING OR DRIVING IN
We will pay You Daily Allowance as mentioned in
THE EMPLOYER’S CAR.
the schedule to enable you to meet the cost of hired
In consideration of the payment of an additional premium transport to reduce Your inconvenience, if Your Vehicle
@ Rs. 50/- per employee insured notwithstanding is damaged by a covered peril mentioned in section 1 of
anything to the contrary contained in the policy it is the policy.
hereby understood and agreed that the insurer will
indemnify the insured against the insured’s liability at
13
UIN: IRDAN108RP0002V01200001
The allowance would be payable for a maximum period informs You to take delivery of the vehicle plus 2 days.
of 10 days during the period of insurance. In case of
Courtesy/Hire car will be provided for 8 hrs or 80 Km per
theft/total loss claim, we will pay for maximum 15 days
day whichever is less. The terms and conditions of the
during the period of insurance.
Hire Car Company will apply. You will be given a copy of
Reasonable time taken for repair in respect of damages the Hire Car Company’s terms and conditions when the
not admissible under section 1 of the policy (as agreed hire car is delivered to you.
between you, surveyor & garage/workshop manager)
Your entitlement of Courtesy/Hire car, in case of repair
would be excluded for the purpose of computation of
claim, will be for the duration Your vehicle is in garage
Daily Allowance.
for repair and shall end on the day garage intimates You
Your entitlement of Daily Allowance will start from the about completion of repair and readiness of the Vehicle
following calendar day of Your Vehicle reaching the for delivery irrespective of claim settlement is intimated
garage for repair or the day of intimation of claim to or not subject to the following:
Us, whichever is later and shall end on the day garage
1. Time taken for repair in respect of damages not
intimates you to take delivery of the Vehicle.
admissible under Own Damage Section of the
What is not Covered: policy (as agreed between you, surveyor & garage
workshop manager) would be excluded for the
The Daily allowance will not be payable if any or all of the
purpose of computation of duration for which
following condition applies:
Courtesy/Hire Car will be provided.
• If you are claiming only for windscreen or glass
2. Period for which vehicle is stuck for repair for non
damage under section 1 of the policy.
availability of any part and/or material at garage
• If Vehicle is not repaired at the Authorised Garage would be excluded for the purpose of computation
• If claim under section 1 is not valid and admissible. of duration for which Courtesy/Hire car will be
provided.
• If time required for repair of motor vehicle is up to 3
days If We are unable to provide You a Courtesy/Hire car then
We will pay Your travel cost of Rs.(refer schedule) per
TA03 Courtesy/Hire Car day for the period determined as above.
(UIN IRDAN108RP0002V01200001/A0057V01201819)
What is not Covered:
This cover is applicable if it is shown on your schedule.
We will not provide you with a Courtesy/Hire car
What is Covered:
1. If you are only claiming for windscreen or any other
We will arrange for the Courtesy/Hire car to reduce glass damage under Own Damage Section (Own
your inconvenience if insured Vehicle is damaged by a damage) of the policy.
covered peril mentioned in Own Damage Section (Own
damage) of the policy. 2. If Vehicle is not repaired at our Authorised Garage/
Authorised workshop/Authorised service station.
A Courtesy/Hire car is not intended to be an exact
replacement of vehicle in terms of its size, segment, 3. If claim under Own Damage Section (Own damage)
type, value or status. is not valid and admissible.
Courtesy/Hire car will be made available within 24 hours 4. If time taken for repair is in respect of damages
of Vehicle reaching the garage or the time of intimation not admissible under Own Damage Section (Own
of claim to us, whichever is later excluding weekends/ damage) of the policy.
national holidays, provided time required for repair of TA05-Return to Invoice
vehicle is greater than 24 hrs or it is a claim for total
(IRDAN108RP0002V01200001/A0052V02201819)
loss/theft of entire vehicle. Company will pay for the
Courtesy/Hire car for a maximum period of 10 days in This cover is applicable if it is shown on Your schedule
case of repair claim and 15 days in case of theft/total
What is covered:
loss claim during the period of Insurance. In case of
theft, if the vehicle is recovered earlier, then our liability In consideration of payment of additional premium,
to pay under this cover ends on the day police authority We will pay the difference between Insured’s Declared
14
UIN: IRDAN108RP0002V01200001
Value (IDV) of the insured vehicle and on-road price • The claim is not a Total LOSS (TL)/Constructive Total
(including electronic/electrical/non electrical/electronic Loss (CTL)
accessories/bi-fuel kit provided by manufacturer/dealer)
Special conditions applicable to this benefit in addition
of a new vehicle of similar make and model published by
to the general conditions:
manufacturer/dealer in case of Total Loss/Constructive
Total Loss/Theft of your vehicle. On road price shall • The claim made for damages only to the windscreen
include registration fees, road tax & Insurance charges. glass/rear glass/door glasses sun roof glass, will not
be considered as a claim under this benefit.
Insurance charges will be limited to the amount arrived
at by multiplying prevailing Own Damage Rate on the • The claim only partial theft of accessories/parts will
date of accident with Insured’s Declared Value (IDV) & not be considered as a claim under this benefit.
applicable Basic Third Party Premium. • A claim for theft of entire motor vehicle will not be
For obsolete models, on road price shall mean last on considered as a TL/CTL for this purpose provided a
road price listed by manufacturer/dealer. new motor vehicle is purchased and insured with
Us within 90 days of the theft, in which case, We will
For imported vehicles, we will pay the shortfall between
allow same No claim bonus on New motor vehicle
the Insured’s Declared Value (IDV) of the insured vehicle
as is shown in the schedule
and the landed cost of a new vehicle of a similar make
and model. TA08- Repair of Glass, Fiber, Plastic & Rubber Parts
(UIN: IRDAN108RP0002V01200001/A0005V01200910)
Special conditions applicable to this cover:
What is Covered:
• The finance company/bank whose interest is
endorsed on the policy must agree in writing. A claim for only Glass/plastic/rubber/fiber part where
You opt for repairs rather than replacement, at our
What is not covered:
authorised workshops/authorised dealers/authorised
We will not pay if: service stations will not affect Your No Claim Bonus
eligibility at the time renewal with Us provided number
• the Total Loss/CTL and theft claim is not valid and
of such claim does not exceed one and there is no other
admissible under section 1 of the policy.
claim for damage to the vehicle during the period of
• final investigation report of police confirming the insurance.
theft of the vehicle in case of theft claim is not
What is not Covered:
submitted to us.
1. Cost of painting of parts without any other repair
Subject otherwise to the terms, exceptions, conditions
associated with these parts.
TA09 - Loss of Personal belongings
TA06- No Claim Bonus Protection Cover
(UIN: IRDAN108RP0002V01200001/A0054V01201819)
(UIN: IRDAN108RP0002V01200001/A0053V01201819)
This cover is applicable if it is shown on Your schedule.
We will pay for the loss or damage to your and your
What is Covered
Family member’s personal belongings caused by perils
We will allow you the same No claim bonus, as shown on mentioned under section 1 of the policy while they are in
Your schedule at the time of renewal provided- the vehicle at the time of loss or damage to the vehicle.
• The rate of No claim bonus as shown in the schedule Personal belongings for the purpose of this section
is an accumulation of 2 or more claim free years and means items such as clothes and other articles of
their being no own damage claim in preceding 2 personal nature likely to be worn, used or carried and
years. includes audio/video tapes, CDs but excludes money,
• Not more than 1 own damage claim is registered in securities, cheques, bank drafts, credit or debit cards,
the current period of insurance. jewellery, lens, glasses, travel tickets, watches, valuables,
manuscripts, paintings and items of similar nature. Any
• The renewal of policy is done with Us within 90 days goods or samples carried in connections with any trade
of expiry of the policy or business is not covered.
15
UIN: IRDAN108RP0002V01200001
A police report must be filed for claims due to burglary, official police report that confirms the incident happened
house-breaking or theft. within the period of insurance.
The maximum amount payable under this section is Rs TA16- Engine Secure
(Refer Schedule) during the period of insurance. Any (UIN: IRDAN108RP0002V01200001/A0058V01201819)
claim under this section will be admissible only when
there is a valid and admissible claim in respect of the
vehicle arising out of the same accident. What is covered:
The insured will bear first Rs. 250 of each and every We will pay you repair and replacement expenses for
claim under this section. the loss or damage to -
TA10-Emergency Transport & hotel expenses 1. Internal parts of the engine

(UIN: IRDAN108RP0002V01200001/A0055V01201819) 2. Gear Box, Transmission or Differential Assembly
This cover is applicable if it is shown on your schedule. Provided loss or damage is due to ingress of water in
We will pay towards the cost of overnight stay and taxi the engine or leakage of lubricating oil from engine/
charges for returning back to Your place of residence or respective assembly.
the nearest city You are traveling to if Your motor vehicle We will also pay for the lubricating oils/consumables
has met with an accident by any of the peril mentioned used in the respective assembly i.e. material, which is
under section 1 of the policy and cannot be driven. used up and needs continuous replenishment such as
We will pay maximum Rs (refer schedule) for any one engine oil, gear box oil etc. but excluding fuel.
accident and Rs (Refer Schedule) during the period of
insurance. Documentary proof of expenditure must be What is not covered:
submitted by any claim under this section. We shall not indemnify you under this endorsement in
Any claim under this section will be admissible only respect of-
when there is a valid & admissible claim in respect of the 1. Loss or damage covered under manufacturer
vehicle arising out of the same accident. warranty; recall campaign or forming part of
TA15- Key Replacement maintenance/preventive maintenance.
(UIN: IRDAN108RP0002V01200001/A0056V01201819) 2. Any aggravation of loss or damage including
This cover is applicable if it shown on Your schedule. corrosion due to delay in intimation to us and/or
retrieving the vehicle from water logged area.
What is Covered
3. Ageing, depreciation, wear and tear.
1. Key Replacement – We will reimburse You for the
cost of replacing your vehicle keys which are lost or Special Condition:
stolen. Claim under this endorsement will be admissible only if -
2. Break-in Protection – We will reimburse you for the 1. In case of water damage, there is and evidence
cost of replacing your locks and keys if your vehicle of vehicle being submerged or stopped in water
is broken into. The covered costs include the labor logged area.
cost for replacing the lock.
2. In case of leakage of lubricating oil, there is a
What is not Covered visible evidence of accidental damage to engine or
We will not pay for: respective assembly.
1. costs other than those listed in the “What is Covered” 3. Vehicle is transported/towed to garage within 2
section; (Two) days of water receding from the water logged
area.
2. the cost to replace keys to vehicles that You do not
own for personal use; 4. You have taken all reasonable steps, safeguards
and precautions to avoid any loss or damage and
Coverage Conditions also prevent aggravation of loss once the loss or
For break-in protection claims, you must provide an damage to the vehicle is sustained and noticed by
You.
16
UIN: IRDAN108RP0002V01200001
Deductible: defective steering geometry outside manufacturer’s

recommended limits or wheel balance, failure of
We shall not be liable for each and every claim under this
suspension component, wheel bearing or shock
coverage in respect of deductible stated in the schedule.
absorber.
Subject otherwise to terms, conditions, limitations and
3. any loss or damage within first 15 days of inception
exceptions of the policy.
of the policy.
TA17 - Tyre Secure
4. any loss or damage occurred prior to inception of
(UIN: IRDAN108RP0002V01200001/A0059V01201819)
the policy
This cover is applicable if it shown on your schedule.
5. any loss or damage resulting into total loss of the
What is covered vehicle
We will cover expenses for repair and/or replacement, 6. routine maintenance including adjustment,
as may be necessitated arising out of accidental loss or alignment, balancing or rotation of wheels/tyres/
damage to tyres and tubes. tubes
In any situation company’s liability would not exceed the 7. Loss or damage to wheel accessories, any other
following, basis the unused tread depth of respective parts or rim.
tyre (not applicable if Full cover is opted)-
8. theft of tyre(s)/tube(s) or its parts accessories
• Unused tread depth of <3 mm - Considered as without vehicle being stolen or theft of entire
normal wear and tear and is not covered. vehicle.
• Unused tread depth of >=3 mm to <5 mm – 50% of 9. if the tyre(s)/tube(s) being claimed is different from
cost of new tyre and/or tube. tyre(s) insured/supplied as original equipment
• Unused tread depth of >=5 to < 7 mm - 75% of cost along with the vehicle unless informed to us and
of new tyre and/or tube mentioned/endorsed on the policy.
• Unused tread depth of > = 7 mm - 100% of cost of 10. fraudulent act committed by insured or the
new tyre and/or tube workshop or any person entrusted possession of
the vehicle by insured.
Unused Tread depth will be measured at the centre
of the tread. Minimum 4 measurements at 4 different 11. loss or damage arising out of improper storage or
places will be taken for the purpose of arriving at means transportation
tread depth which will be the basis of indemnity under 12. any consequential loss or damage such as but not
the coverage. limited to noises, vibrations and sensations that do
Whenever replacement of tyre will be allowed it will not affect tyre function or performance.
be of the same make and specification and if tyre of 13. loss or damage arising out of modifications not
similar specification is not available and replaced tyre is approved by tyre manufacturer.
superior to damaged tyre then We will not be liable for
14. loss or damage resulting from hard driving due to
betterment charges. Maximum of 4 (four) replacements
race, rally or illegal activities.
will be allowed during the Period of Insurance.
15. loss or damage due to neglect of periodic
If damage to tyre and tube is due to the accidental
maintenance as specified by manufacturer.
damage to the insured vehicle covered under “Own
Damage” section of the policy. Our liability under this 16. loss or damage resulting from poor workmanship
cover will be restricted to the difference of depreciation while repair.
percentage applied under “Own Damage” section and as
17. loss or damage arising out of any manufacturing
mentioned above basis the unused tread depth.
defect or design including manufacturer’s recall.
What is not covered
18. minor damage or scratch not affecting the
1. If vehicle is not repaired at Authorized garage. functioning
2. loss or damage arising out of natural wear and 19. tyre which has been used for its full specified life
tear including unevenly worn tyres caused by as per manufacturer’s guideline or where unused
17
UIN: IRDAN108RP0002V01200001
tread depth is less than 3 mm. Certificate of Insurance.

Important Conditions Repair and Towing Assistance
1. If you make a fraudulent claim which is declined as Service for Flat Tyre
per para 10 of “What We will not cover”, coverage
In the event insured Vehicle is immobilized due to a flat
under this section shall cease with immediate effect.
tyre, you will get the assistance of a vehicle technician
2. If during the Period of insurance any tyre is replaced to replace the flat tyre with the spare stepney tyre of
for any reason for which claim is not preferred the Vehicle at the location of breakdown. In case the
under the coverage, cover on new tyre would not be spare tyre is not available in the insured Vehicle, the
available unless details of new tyre are informed to flat tyre will be taken to the nearest flat tyre repair shop
us. for repairs & re-attached to the Vehicle. All incidental
charges for transporting the tyre to the repair shop and
3. In case of replacement of tyre for which a claim is
its repair cost shall be borne by you.
preferred under the coverage replaced tyre can be
included by way of endorsement by paying requisite Flat Battery – Jump Start Service
premium.
In the event insured Vehicle is immobilized, due to
4. All claims must be made within 3 working days of rundown battery, you will get the assistance of a Vehicle
damage. technician to jump start the Vehicle with appropriate
means. If the run down battery has to be replaced with
5. You must take all reasonable steps to avoid loss or
a new battery, the cost of such battery replacement and
damage to tyre(s). You must not continue to drive
any costs to obtain the battery will be borne by you. All
the vehicle after any damage or incident if this could
costs involved in charging of the run down battery will
cause further damage to tyre(s).
also be borne by you.
TA18- Consumable Expenses
Repair on the spot
(UIN: IRDAN108RP0002V01200001/A0085V01201819)
In the event insured Vehicle breaks down due to a
This cover is applicable if it shown on your schedule.
minor mechanical / electrical fault making it immobile
What is covered and immediate repair on the spot is deemed possible,
We will cover cost of consumables required to be you will get the assistance of a vehicle technician for
replaced/replenished arising from an accident to the repairing the breakdown at the location of breakdown.
insured vehicle. Consumable for the purpose of this Cost of Material & Spare Parts, if required, to repair the
cover shall include engine oil, gear box oil, lubricants, nut vehicle on the spot and any other incidental conveyance
& bolt, screw, distilled water, grease, oil filter, bearing, to obtain such material & spare parts will be borne by you.
washers, clip, break oil, air conditioner gas and items of Spare Key Retrieval / Service for Keys Locked Inside
similar nature excluding fuel.
If the keys of the insured vehicle are locked inside the
What is not covered vehicle, lost, or misplaced, and in case you need and
1. Any consumable not associated with admissible request to arrange for another set from your place
Own Damage claim under section I (Own Damage) of residence or office by courier to the location of the
of the policy. vehicle, the same will be arranged after receiving the
requisite authorizations from you with regards to the
2. If there is no valid and admissible claim under person designated to hand over the same. You may
section I (Own Damage) of the policy. be requested to submit an identity proof at the time of
3. If vehicle is not repaired at Authorized garage delivery of the keys. Alternatively, at your request, you
will be assisted by a car technician to attempt to open
TA19- Road Side Assistance-Add-on cover under
the car with normally available tools at the location
Auto Secure - Private Car Package Policy
of the event. Identity proof for matching with car
(UIN: IRDAN108RP0002V01200001/A0022V01201213)
ownership information on record will be required prior
(This cover is applicable if it is shown on your schedule) to attempting this service.
These services will be offered to you during the policy Fuel Support (Emergency Fuel Delivery)
period as mentioned on your Policy Schedule or
18
UIN: IRDAN108RP0002V01200001
In the event insured Vehicle runs out of fuel and hence In the event insured vehicle is immobilized due to
is immobilized, you will get the assistance of emergency a breakdown which has taken place and cannot be
fuel (up to 5 liters on a chargeable basis) at the location repaired the same day, you will get the assistance in
of breakdown. organizing for Hotel accommodation near the location
of the event. You will have to bear the cost of stay and
Emergency Towing Assistance
you will be informed of the amount to be paid in advance
In case of Break-down: directly to the Hotel.
In the event insured Vehicle suffers an immobilizing Pick up of repaired vehicle
break down due to a mechanical or electrical fault
In the event insured Vehicle suffers an immobilizing
which cannot be repaired on the spot, you will get the
breakdown/accident which is outside the limits of your
assistance in towing the vehicle to the nearest garage,
home city, and the vehicle is towed to the nearest garage
using the best available towing mechanism, within a
which determines that the vehicle cannot be repaired
radius of 25 Kms. from the location of the breakdown.
the same day, you will get the assistance to pick the
In case the towing distance exceeds the mentioned
vehicle from the location of incident and transport it to
limit, you will be informed of the expected additional
the desired location by providing driver facility service
costs, which will need to be paid by you to the vendor at
after the vehicle is fully repaired. The cost of driver shall
vendor’s actual rates.
be borne by you.
In case of an Accident:
Important Note: You will not be required to pay for
In the event insured Vehicle suffers an immobilizing labor cost and round-trip conveyance costs of the
break down due to an accident, you will get the service provider except cost of material/spare parts
assistance in towing the vehicle to the nearest garage, and conveyance/transportation cost to obtain them,
using the appropriate towing mechanism within a radius if required, to repair the Vehicle and any other cost
of 25 Kms. from the location of the breakdown. In case specifically mentioned in the above services.
the towing distance exceeds the mentioned limit, you
Further, If your insured vehicle is immobilized due
will be informed of the expected additional costs, which
to breakdown, and is eligible for services, but as a
will need to be paid by you at the vendor’s actual rates.
rare chance, you do not get the eligible assistance as
Concierge Services: mentioned above, you will be reimbursed the costs
SMS Relays/Emergency Message Service incurred for towing the insured Vehicle to the nearest
garage not exceeding Rs.2000/- per event for towing
In the event of breakdown or accident to your insured or Rs.250/- per event for other services. To qualify for
vehicle under our policy your urgent messages will be reimbursement, you must have called the toll free
relayed to a person of your choice. number and obtained an authorization, prior to availing
Continuation / Return Journey (Taxi Support) external service and must provide necessary documents
justifying the event and the actual costs borne.
In the event the insured vehicle is immobilized due
to a breakdown, outside the municipal/corporation Geographical territory:
limits of your home city, and the vehicle cannot be These services are available on National highways, state
repaired the same day, you will get the assistance for highways and motorable roads of cities within mainland
arrangement of alternate mode of transport (Taxi) to India, except in the states of Mizoram, Nagaland, Tripura,
continue the journey or return to your home town from Arunachal Pradesh, Sikkim.
the location of the breakdown. In the normal course “C”
Class vehicles (as per widely used categorization of the LIMITATIONS:
automobile industry) will be arranged on a best effort 1 The Services will be provided on a best effort basis,
basis. However, in case the same is not available owing subject to regulations in force locally.
to geographical or other constraints, you will be provided
2 The services would not be provided under following
the next best class of vehicle available. Taxi fare for the
conditions:
journey will be borne by you and shall be paid directly to
the vendor. Acts of God (including exceptional adverse
weather conditions), earthquake, fire (not caused
Hotel Accommodation
by the negligence of either party), war (declared
19
UIN: IRDAN108RP0002V01200001
or undeclared), invasion, rebellion, revolt, riot This cover is applicable if it is shown on Your schedule.
(other than among employees of either party), civil
We will pay for damage to property other than the
commotion, civil war, acts of terrorism, nuclear
property belonging to You or held in Your trust, custody
fission, strike, act(s) of omission/commission by
and control up to the limit specified in Your schedule
any concerned, Government(s), or government
provided that damage to property is solely and directly
agencies, judicial or quasi-judicial authorities.
caused by accident by the insured vehicle.
3 loss of or damage to luggage or other personal
The above limit is in respect of any one claim or series
effects that might occur during the services
of claims arising out of one event/occurrence in excess
performance.
of maximum limit of liability covered under Section II of
4 Vehicles should not be used for the purpose of the policy.
racing, rallying, motor-sports, or in any instance
Subject otherwise to the terms, exceptions, condition &
where the Vehicle is not being used /driven in
limitations of the policy.
accordance with applicable laws and regulations.
TA 22 - Emergency Medical Expenses
5 Not covered events: Any service not-covered here, if
(UIN IRDAN108RP0002V01200001/A0008V01202021)
provided shall be at your own expense.
6 Load carried in the vehicle such as boats, motor
vehicles, gliders, or animals (horses, cattle...), What is covered:
merchandise, perishable goods, research and We will pay emergency medical expenses incurred by
scientific equipment, building equipment, furniture, You for treatment of bodily injury/ies sustained by You /
etc. shall not be transported. Driver /Occupant in the vehicle in direct connection with
7 You can avail of these services for maximum of 4 the insured vehicle whilst mounting and dismounting
times during the course of the policy period. from or driving or travelling in the insured vehicle and
caused by violent, accidental external and visible means
Procedure of receiving services:
and required treatment is taken in a Hospital / Nursing
To avail this services all you have to do is call 1800 Home.
266 7780
We will pay Ambulance Charges, up to the Sum Insured
When requesting Services, you will comply with the specified in the schedule, incurred by You towards
following terms and conditions: transportation of You / driver / person to the Hospital /
Nursing Home post suffering bodily injury.
- Call, without delay, the toll free number / Telephone
Number provided here, We will also pay the cost of supporting items not limited
to items like crutches, wheelchair, artificial limbs, which
- Get the prior approval before taking any initiative or
become necessary after an accident, up to a maximum
incurring any expenses,
amount of Rs. 5,000 or 5% of the Sum Insured opted by
- Comply with the solutions recommended You, whichever is less.
- Take all reasonable measures to limit and prevent Our liability in aggregate during the Period of insurance
possible consequences of the Breakdown shall be limited to sum insured as specified in the
- Provide the your / user beneficiary Information. schedule for persons not exceeding the maximum
licensed seating capacity of the vehicle.
In order to entitle the relevant Users to the Services,
the insured Vehicle must be immobilized within the What is not Covered:
Covered geographical territory. A vehicle is considered • Any expenses related to a sickness, disease or
as immobilized as long as it cannot be driven as a result medical disorder not directly consequential to
of a breakdown or an accident. However, the state of accident.
being out of use for maintenance or repair purposes is
• Any expenses towards psychosomatic disorders
not considered as immobilization.
of any kind, whether caused or accentuated by
TA21- Additional Third Party Property Damage Cover accident or otherwise.
(UIN: IRDAN108RP0002V01200001/A0003V01202021)
• Any physiotherapy treatment.
20
UIN: IRDAN108RP0002V01200001
• Any expense not supported by an original and This cover is also subject to the terms, exceptions,
valid bill / receipt and related prescription of the conditions and limitations of the policy. Sum insured will
attending Medical Practitioner / Hospital / Nursing be the maximum limit under this cover.
Home.
TA29 Electric Surge Secure - Private Car Annual
• Expenses, if the treatment is started after 5 days Package - (UIN: IRDAN108RP0002V01200001/
from the date of Accident A0009V01202223)
• Not more than sum-insured as mentioned in the This cover is applicable if it is shown on Your Policy
schedule during period of policy. schedule.
• Any expense arising or resulting from or traceable to We will pay you for partial or total or constructive total
intentional self injury, suicide or attempted suicide loss, destruction or damage to Electric vehicle including
physical defect or infirmity. Charging equipment arising out of arcing, self heating,
• Any expense arising or resulting from or traceable leakage of electricity or short circuiting including due to
to an accident happening whilst You are under the ingress of water.
influence of intoxicating liquor or drugs. Our maximum liability will be limited to Insured Declared
Subject otherwise to the terms exceptions condition & Value (IDV) mentioned in the policy schedule.
limitations of the policy What is not Covered:
TA23 - Additional Towing Charges We shall not indemnify You in respect of-
(UIN IRDAN108RP0002V01200001/A0009V01202021)
• Loss or damage due to any Manufacturing Defect.
• Loss arising as a result of failure to follow the
What is covered: manufacturer’s instructions.
We will pay You the cost of towing the Insured Vehicle • Use of batteries, charger and / or accessories not as
to the nearest Garage/Service station in the event of per approved specification by the manufacturer.
insured vehicle being disabled by any reason of loss or
damage covered under Section I of the policy in addition • When Battery is charged not in accordance with
to the amount covered in section I of the policy subject manufacturer’s instruction.
to maximum amount as specified in the schedule and • loss or damage to the battery fitted in the vehicle
submission of proof of expenses incurred by You. unless cost of the battery is included in IDV or
What is not Covered: endorsed in the policy.
• Towing charges incurred if claim under section I of Special Condition:

the policy is not admissible. In the event of an accident, we will indemnify under
• Consequential Losses this add-on only if sufficient evidence of under carriage
damage to Battery.
• Loss covered under Manufacturer’s Warranty or
recall campaign. Subject otherwise to terms, conditions, limitations and
exceptions of the policy
TA24- Misfuelling
(UIN IRDAN108RP0002V01200001/A0004V01202021) TA28 - Depreciation allowance - Battery - Private Car
Annual Package (UIN: IRDAN108RP0002V01200001/
This section is applicable if it is shown on Your schedule. A0010V01202223)
We will pay the cost of flushing out the wrong/adulterated This cover is applicable if it is shown on your Policy
fuel filled at fuel filling station including replacement of schedule.
parts damaged due to wrong fueling.
We will pay you the amount of depreciation deducted
We will also reimburse the cost of wrong/adulterated on the value of the Battery replaced under Own Damage
fuel up to maximum of Rs.2000/- on submission of bill. claim, lodged under section 1 (Loss of or Damage to the
Maximum number of claims permissible in a policy Vehicle Insured) of the policy. We will pay for the first <>
period is restricted to one (1). claims during the period of insurance as mentioned in
the Policy schedule.
21
UIN: IRDAN108RP0002V01200001
Deductible: First Rs….. for each and every claim as explosives, usually with the intent to steal or commit
mentioned in Policy Schedule. a violent act.
What is not covered: 10. Lost or stolen means having been inadvertently lost
or having been stolen by a third party without your
• We shall not indemnify You in respect of, loss or assistance, consent or co-operation.
damage to the battery fitted in the vehicle unless cost
of the battery is included in IDV or endorsed in the 11. Period of insurance - The period of time stated in the
policy schedule for which the policy is valid and operative.
Special Conditions applicable to this cover in addition Grievance Lodgement Stage

to the General Conditions: The Company is committed to extend the best possible
• Vehicle is repaired at any of our Authorised Garage/ services to its customers. However, if you are not
Authorised workshop/Authorised service station. satisfied with our services and wish to lodge a complaint,
please feel free to contact us through below channels:
Subject otherwise to terms, conditions, limitations and
exceptions of the policy. Call us 24x7 toll free helpline 1800 266 7780 or 022-
66939500 (tolled)
Definitions:
Email us at customersupport@tataaig.com
1. We, Us, Our, Ourselves means the Tata AIG General
Insurance Co. Ltd. Write to us at: Customer Support, Tata AIG General
Insurance Company Limited
2. You, Your, Yourself - Means or refers to the person
or persons described in the Schedule as the insured. Peninsula Business Park, Tower A, 15th Floor,
In case schedule refers to an entity other than Ganpatrao Kadam Marg, Lower Parel, Mumbai- 400 013,
individual, then representative, of such an entity Maharashtra, India
would be deemed as You, Your, Yourself. Visit the Servicing Branch mentioned in the policy
3. Constructive Total Loss - A vehicle will be considered document
to be a Constructive Total Loss (CTL), where the Nodal Officer
aggregate cost of retrieval and/or repair of the
vehicle subject to terms and conditions of the policy Please visit our website at www.tataaig.com to know the
exceed 75% of the Sum Insured. contact details of the Nodal Officer for your servicing
branch.
4. Courtesy/Hire car - A vehicle provided to the insured
by the hire car company. After investigating the grievance internally and
subsequent closure, we will send our response within
5. Hire car Company - Company which is engaged a period of 10 days from the date of receipt of the
in the business of letting out cars on hire and has complaint by the Company or its office in Mumbai. In
provided vehicle to the insured as per their terms case the resolution is likely to take longer time, we will
and conditions. inform you of the same through an interim reply.
6. Authorized workshop/garage/service station - A Escalation Level 1
motor vehicle repair workshop/garage/service
station authorized by us. For lack of a response or if the resolution still does not
meet your expectations, you can write to manager.
7. Daily Allowance - Fixed amount to be paid for the customersupport@tataaig.com. After investigating the
purpose of meeting the cost of hired transport. matter internally and subsequent closure, we will send
8. Family - You, Your spouse, your children your our response within a period of 8 days from the date of
parents and any other person residing with you receipt of your complaint.
without paying a commercial rent. Escalation Level 2
9. Break-in - means to enter someone’s vehicle illegally For lack of a response or if the resolution still does not
by actual force or violence of which there shall meet your expectations, you can write to the Head-
be visible marks made at the place of such entry Customer Services at head.customerservices@tataaig.
by electricity or chemicals as well as by tools or com. After examining the matter, we will send you
22
UIN: IRDAN108RP0002V01200001
our response within a period of 7 days from the date Ombudsman appointed by IRDA of India under the
of receipt of your complaint. Within 30 days of lodging Insurance Ombudsman Scheme. Given below are
a complaint with us, if you do not get a satisfactory details of the Insurance Ombudsman located at various
response from us and you wish to pursue other avenues centers.
for redressal of grievances, you may approach Insurance
INSURANCE OMBUDSMAN CENTRES
Office of the Jurisdiction of Office Union

SN Address & Contact
Ombudsman Territory, District
Office of the Insurance Ombudsman, Jeevan

Prakash Building, 6th floor,
Gujarat, Dadra & Nagar Haveli,
1 Ahmedabad Tilak Marg, Relief Road, Ahmedabad – 380 001.
Daman and Diu.
Tel.: 079 - 25501201/02/05/06
Email: bimalokpal.ahmedabad@cioins.co.in
Soudha Building, PID No. 57-27-N-19 Ground
Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase,
2 Bengaluru Karnataka
Bengaluru – 560 078.
Tel.: 080 - 26652048 / 26652049
Email: bimalokpal.bengaluru@cioins.co.in
Office of the Insurance Ombudsman, Janak Vihar
Complex, 2nd Floor, 6, Malviya Nagar, Opp. Airtel
3 Bhopal Office, Near New Market, Bhopal – 462 003. Madhya Pradesh, Chattisgarh
Tel.: 0755 - 2769201 / 2769202
Email: bimalokpal.bhopal@cioins.co.in
Office of the Insurance Ombudsman, 62, Forest
park, Bhubaneswar – 751 009.
4 Bhubaneswar Orissa
Tel.: 0674 - 2596461 /2596455
Email: bimalokpal.bhubaneswar@cioins.co.in
Office of the Insurance Ombudsman, S.C.O. No. Punjab, Haryana (excluding
101, 102 & 103, 2nd Floor, Batra Building, Sector Gurugram, Faridabad, Sonepat
5 Chandigarh 17 – D, Chandigarh – 160 017. and Bahadurgarh), Himachal
Tel.: 0172 - 2706196 / 2706468 Pradesh, Jammu & Kashmir,
Email: bimalokpal.chandigarh@cioins.co.in Chandigarh
Office of the Insurance Ombudsman, Fatima
Akhtar Court, 4th Floor, 453, Anna Salai, Tamil Nadu, Pondicherry Town
6 Chennai Teynampet, CHENNAI – 600 018. and Karaikal (which, are part of
Tel.: 044 - 24333668 / 24335284 Pondicherry).
Email: bimalokpal.chennai@cioins.co.in
Office of the Insurance Ombudsman, 2/2 A,
Delhi & following Districts
Universal Insurance Building, Asaf Ali Road, New
of Haryana - Gurugram,
7 New Delhi Delhi – 110 002.
Faridabad, Sonepat &
Tel.: 011 - 23232481/23213504
Bahadurgarh
Email: bimalokpal.delhi@cioins.co.in
23
UIN: IRDAN108RP0002V01200001


Nivesh, 5th Floor, Nr. Panbazar over bridge, Assam, Meghalaya, Manipur,
8 Guwahati S.S. Road, Guwahati – 781001(ASSAM). Mizoram, Arunachal Pradesh,
Tel.: 0361 - 2632204 / 2602205 Nagaland and Tripura
Email: bimalokpal.guwahati@cioins.co.in
Office of the Insurance Ombudsman, 6-2-46, 1st
floor, “Moin Court”, Lane Opp. Saleem Function
Andhra Pradesh, Telangana,
Palace, A. C. Guards, Lakdi-Ka-Pool,
9 Hyderabad Yanamand part of Territory of
Hyderabad - 500 004.
Pondicherry.
Tel.: 040 - 23312122
Email: bimalokpal.hyderabad@cioins.co.in
Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg,
10 Jaipur Jaipur - 302 005. Rajasthan
Tel.: 0141 - 2740363
Email: bimalokpal.jaipur@cioins.co.in
Office of the Insurance Ombudsman, 2nd Floor,
Pulinat Bldg., Opp. Cochin Shipyard, M. G. Road,
Kerala, Lakshadweep, Mahe- a
11 Ernakulam Ernakulam - 682 015.
part of Pondicherry
Tel.: 0484 - 2358759 / 2359338
Email: bimalokpal.ernakulam@cioins.co.in
Office of the Insurance Ombudsman, Hindustan
Bldg. Annexe, 7th Floor, 4, C.R. Avenue,
West Bengal, Sikkim, Andaman
12 Kolkata KOLKATA - 700 072.
& Nicobar Islands
Tel.: 033 - 22124339 / 22124340
Email: bimalokpal.kolkata@cioins.co.in
Districts of Uttar Pradesh:
Laitpur, Jhansi, Mahoba,
Hamirpur, Banda, Chitrakoot,
Allahabad, Mirzapur,
Sonbhabdra, Fatehpur,
Pratapgarh, Jaunpur,
Varanasi, Gazipur, Jalaun,
Office of the Insurance Ombudsman, 6th Floor,
Kanpur, Lucknow, Unnao,
Jeevan Bhawan, Phase-II, Nawal Kishore Road,
Sitapur, Lakhimpur, Bahraich,
13 Lucknow Hazratganj, Lucknow - 226 001.
Barabanki, Raebareli, Sravasti,
Tel.: 0522 - 2231330 / 2231331
Gonda, Faizabad, Amethi,
Email: bimalokpal.lucknow@cioins.co.in
Kaushambi, Balrampur, Basti,
Ambedkarnagar, Sultanpur,
Maharajgang, Santkabirnagar,
Azamgarh, Kushinagar,
Gorkhpur, Deoria, Mau,
Ghazipur, Chandauli, Ballia,
Sidharathnagar
24
UIN: IRDAN108RP0002V01200001

Office of the Insurance Ombudsman, 3rd Floor,

Jeevan Seva Annexe, S. V. Road, Santacruz (W), Goa, Mumbai Metropolitan
14 Mumbai Mumbai - 400 054. Region (excluding Navi
Tel.: 69038821/23/24/25/26/ 27/28/28/29/30/31 Mumbai & Thane)
Email: bimalokpal.mumbai@cioins.co.in
State of Uttaranchal and
the following Districts o
Uttar Pradesh: Agra, Aligarh,
Budaun, Bulandshehar,
Office of the Insurance Ombudsman, Bhagwan Etah, Kanooj, Mainpuri,
Sahai Palace 4th Floor, Main Road, Naya Bans, Mathura, Meerut, Moradabad,
Sector 15, Distt: Gautam Buddh Nagar, Muzaffarnagar, Oraiyya,
15 Noida
U.P-201301. Pilibhit, Etawah, Farrukhabad,
Tel.: 0120-2514252 / 2514253 Firozbad, Gautambodhanagar,
Email: bimalokpal.noida@cioins.co.in Ghaziabad, Hardoi,
Shahjahanpur, Hapur,
Shamli, Rampur, Kashganj,
Sambhal, Amroha, Hathras,
Kanshiramnagar, Saharanpur
Office of the Insurance Ombudsman, 2nd Floor,
North wing, Lalit Bhawan, Bailey Road,
16 Patna Patna 800 001. Bihar, Jharkhand
Tel.: 0612-2547068
Email: bimalokpal.patna@cioins.co.in
Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, Maharashtra, Area of Navi
17 Pune N.C. Kelkar Road, Narayan Peth, Pune – 411 030. Mumbai and Thane excluding
Tel.: 020-41312555 Mumbai Metropolitan Region
Email: bimalokpal.pune@cioins.co.in
Grievance Redressal Procedure:
As per Regulation 17 of IRDA of India (Protection of Policy holders Interests) Regulation. 2017.
25

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Auto Secure – Private Car Package Policy

AUTO SECURE – PRIVATE CAR PACKAGE POLICY

Tata AIG General Insurance Co. Ltd.

Whereas the Insured by a proposal and declaration % of

by or arising from ionising radiations or under this policy.

Provided always that: and

TA10-Emergency Transport & hotel expenses 1. Internal parts of the engine

Deductible: defective steering geometry outside manufacturer’s

tread depth is less than 3 mm. Certificate of Insurance.

• Towing charges incurred if claim under section I of Special Condition:

Special Conditions applicable to this cover in addition Grievance Lodgement Stage

INSURANCE OMBUDSMAN CENTRES

Office of the Jurisdiction of Office Union

Office of the Insurance Ombudsman, Jeevan

Office of the Jurisdiction of Office Union

Office of the Insurance Ombudsman, Jeevan

Office of the Jurisdiction of Office Union

Office of the Insurance Ombudsman, 3rd Floor,

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