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Policy Wordings OD

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0% found this document useful (0 votes)

65 views28 pages

Policy Wordings OD

Policy

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amckvie

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Auto Secure - Standalone Own Damage Private Car Policy

UIN: IRDAN108RP0001V01201920

AUTO SECURE – STANDALONE OWN

DAMAGE PRIVATE CAR POLICY
UIN: IRDAN108RP0001V01201920

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

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
Auto Secure - Standalone Own Damage Private Car Policy
UIN: IRDAN108RP0001V01201920

Whereas the Insured by a proposal and declaration 3. For All Parts made of Glass NIL
dated as stated in the Schedule which shall be the
4. Rate of depreciation for all
basis of this contract and is deemed to be incorporated
other parts including wooden
herein has applied to TATA AIG GENERAL INSURANCE parts will be as per following
COMPANY LIMITED (hereinafter called the Company) for schedule
the Insurance hereinafter contained and has paid the
% of
premium mentioned in the schedule as consideration Age of the vehicle
Depreciation
for such Insurance in respect of accidental loss or
damage occurring during the Period of Insurance. Not Exceeding 6 months NIL
Exceeding 6 months but not
NOW THIS POLICY WITNESSETH: 5%
exceeding 1 year
That subject to the Terms, Exceptions and Conditions Exceeding 1 year but not
10%
contained herein or endorsed or expressed hereon; exceeding 2 years
Exceeding 2 year but not
LOSS OF OR DAMAGE TO THE VEHICLE INSURED – 15%
exceeding 3 years
OWN DAMAGE SECTION
Exceeding 3 years but not
Coverage under this policy is only for own damage and 25%
exceeding 4 years
no other liability in connection with the vehicle.
Exceeding 4 years but not
35%
1. The Company will indemnify the Insured against exceeding 5 years
loss or damage to the vehicle insured hereunder Exceeding 5 years but not
40%
and/or its accessories whilst thereon: exceeding 10 years
Exceeding 10 years 50%
(i) by fire, explosion self-ignition or lightning;
5. Rate of depreciation for painting: In the case of
(ii) by burglary, housebreaking or theft; painting, depreciation rate of 50% shall be applied
only on the material cost of total painting charges.
(iii) by riot and strike; In case of a consolidated bill for painting charges,
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
(vi) by accidental external means; payment in respect of:

(vii) by malicious act; (a) Consequential loss, depreciation, wear and

tear, mechanical or electrical breakdown,
(viii) by terrorist activity; failures or 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 a deduction for depreciation at (c) Any accidental loss or damage suffered whilst
the rates mentioned below in respect of the the Insured or any person driving the vehicle
parts replaced
with the knowledge and consent of the Insured
1. For All Rubber/ Nylon/ Plastic is under the influence of intoxicating liquor or
50%
Parts, tyres, tubes and batteries drugs.
2. For Fibre glass components 30%
3. In the event of the vehicle being disabled by

Tata AIG General Insurance Company Limited

reason of loss or damage covered under this Policy Exceeding 3 years but not
the Company will bear the reasonable cost of 40%
exceeding 4 years
protection and removal to the nearest repairer and
Exceeding 4 years but not
redelivery to the insured but not exceeding in all 50%
exceeding 5 years
Rs. 1500/- in respect of any one accident.

4. The insured may authorise the repair of the vehicle

necessitated by damage for which the Company IDV of vehicles beyond 5 years of age and of obsolete
may be liable under this Policy provided that: models of vehicles (i.e. models which the manufacturers
have discontinued to manufacture) is to be determined
(a) the estimated cost of such repair including
on the basis of an understanding between the insurer
replacements, if any, does not exceed Rs. 500/-;
and the insured.
(b) the company is furnished forthwith with a
IDV shall be treated as the ‘Market Value’ throughout
detailed estimate of the cost of repairs;
the policy period without any further depreciation for
and the purpose of Total Loss (TL) / Constructive Total Loss
(CTL) claims.
(c) the Insured shall give the Company every
assistance to see that such repair is necessary The insured vehicle shall be treated as a CTL if the
and the charges are reasonable. aggregate cost of retrieval and/or repair of the vehicle,
subject to terms and conditions of the policy, exceeds
SUM INSURED - INSURED’S DECLARED VALUE (IDV) 75% of the IDV of the vehicle.

The Insured’s Declared Value (IDV) of the vehicle will be AVOIDANCE OF CERTAIN TERMS AND RIGHT OF
deemed to be the ‘SUM INSURED’ for the purpose of RECOVERY
this Policy which is fixed at the commencement of each
policy period for the insured vehicle. Nothing in this Policy or any endorsement hereon shall
affect the right of any person indemnified by this Policy
The IDV of the vehicle (and accessories if any fitted to the or any other person to recover an amount under or by
vehicle) is to be fixed on the basis of the manufacturer’s virtue of the provisions of the Motor Vehicles Act.
listed selling price of the brand and model as the vehicle
insured at the commencement of insurance/renewal But the Insured shall repay to the Company all sums
and adjusted for depreciation (as per scheduled below): paid by the Company which the Company would not
have been liable to pay but for the said provisions.
The schedule of age-wise depreciation as shown below
is applicable for the purpose of Total Loss/Constructive APPLICATION OF LIMITS OF INDEMNITY
Total Loss (TL/CTL) claims only.
In the event of any accident involving indemnity to
THE SCHEDULE OF DEPRECIATION FOR FIXING IDV more than one person any limitation by the terms of
OF THE VEHICLE this Policy and/or of any Endorsement thereon of the
amount of any indemnity shall apply to the aggregate
% of Depreciation amount of indemnity to all persons indemnified and
Age of The Vehicle
For Fixing IDV such indemnity shall apply in priority to the insured.
Not exceeding 6 months 5% GENERAL EXCEPTIONS
Exceeding 6 months but not
15% The Company shall not be liable under this policy in
exceeding 1 year
respect of
Exceeding 1 year but not
20%
exceeding 2 years 1. Any accidental loss or damage and/or liability
Exceeding 2 years but not caused sustained or incurred outside the
30% Geographical Area.
exceeding 3 years

Tata AIG General Insurance Company Limited

2. Any claim arising out of any contractual liability; DEDUCTIBLE

3. Any accidental loss or damage and/or liability The Company shall not be liable for each and every
caused sustained or incurred whilst the vehicle claim under this Policy in respect of the deductible
insured herein is stated in the Schedule.

(a) being used otherwise than in accordance with GENERAL CONDITIONS

the ‘Limitations as to Use’ or
This Policy and the Schedule shall be read together and
(b) being driven by or is for the purpose of being any word or expression to which a specific meaning
driven by him/her in the charge of any person has been attached in any part of this Policy or of the
other than a Driver as stated in the Driver’s Schedule shall bear the same meaning wherever it may
Clause. appear.

4. (a) any accidental loss or damage to any property A) Conditions precedent to contract
whatsoever or any loss or expense whatsoever
1. Premium to be paid for the Policy Period
resulting or arising there from or any consequential
before Policy commencement date as opted
loss.
by insured in the proposal form.
(b) any liability of whatsoever nature directly
2. The due observance and fulfillment of the
or indirectly caused by or contributed to
terms conditions and endorsements of this
by or arising from ionising radiations or
policy in so far as they relate to anything to be
contamination by radioactivity from any
done or complied with by the insured and the
nuclear fuel or from any nuclear waste from the
truth of the statements and answers in the said
combustion of nuclear fuel. For the purpose of
proposal shall be condition precedent to any
this exception combustion shall include any
liability of the Company to make any payment
self sustaining process of nuclear fission;
under this policy.
5. Any accidental loss or damage or liability directly or
B) Conditions during the contract
indirectly caused by or contributed to by or arising
from nuclear weapons material; 1. Duties and Obligations after Occurrence of
an Insured Event
6. Any accidental loss or damage and/or liability
directly or indirectly or proximately or remotely 1) Notice shall be given in writing to
occasioned by contributed to by or traceable to or the Company immediately upon the
arising out of or in connection with war, invasion, occurrence of any accidental loss or
the act of foreign enemies, hostilities or warlike damage and in the event of any claim
operations (whether before or after declaration of and thereafter the insured shall give all
war) civil war, mutiny rebellion, military or usurped such information and assistance as the
power or by any direct or indirect consequence of Company shall require. Every letter claim
any of the said occurrences and in the event of any writ summons and/or process or copy
claim hereunder the insured shall prove that the thereof shall be forwarded to the Company
accidental loss or damage and/or liability arose immediately on receipt by the insured.
independently of and was in no way connected with
or occasioned by or contributed to by or traceable 2) Notice shall also be given in writing to
to any of the said occurrences or any consequences the Company immediately the insured
thereof and in default of such proof, the Company shall have knowledge of any impending
shall not be liable to make any payment in respect prosecution Inquest or Fatal Inquiry in
of such a claim. respect of any occurrence which may give
rise to a claim under this policy.

Tata AIG General Insurance Company Limited

3) In case of theft or criminal act which may 3. Right to Inspect

be the subject of a claim under this policy
The Company shall have at all times free and
the insured shall give immediate notice
full access to examine the vehicle insured or
to the police and co-operate with the
any part thereof or any driver or employee of
company in securing the conviction of the
the insured. In the event of any accident or
offender.
breakdown, the vehicle insured shall not be
4) No admission offer promise payment left unattended without proper precautions
or indemnity shall be made or given by being taken to prevent further damage or loss
or on behalf of the insured without the and if the vehicle insured be driven before the
written consent of the Company which necessary repairs are effected, any extension
shall be entitled if it so desires to take of the damage or any further damage to the
over and conduct in the name of the vehicle shall be entirely at the insured’s own risk.
insured the defence or settlement of any
4. Cancellation
claim or to prosecute in the name of the
insured for its own benefit any claim for a) The Company may cancel the policy by
indemnity or damages or otherwise and sending fifteen days notice by recorded
shall have full discretion in the conduct delivery to the insured at insured’s last
of any proceedings or in the settlement known address and in such event will
of any claim and the insured shall give all return to the insured the premium paid
such information and assistance as the less the pro rata portion thereof for the
Company may require. period the policy has been in force unless
the policy is cancelled on the grounds of
5) The Company may at its own option repair
mis-representation, fraud, non-disclosure
reinstate or replace the vehicle insured
of material facts or non-cooperation of
or part thereof and/or its accessories or
the insured in which case the policy will be
may pay in cash the amount of the loss or
cancelled on ‘ab-initio’ basis with forfeiture
damage and the liability of the Company
of premium and non consideration of claim,
shall not exceed:
if any.
(a) for total loss / constructive total loss
b) The policy may be cancelled at any time
of the vehicle - the Insured’s Declared
by the insured on fifteen days notice
Value (IDV) of the vehicle (including
by recorded delivery and provided no
accessories thereon) as specified in
claim has arisen during the currency of
the Schedule less the value of the
the policy, the insured shall be entitled
wreck.
to a return of premium less premium at
(b) for partial losses, i.e. losses other than the company’s short period rates for the
Total Loss/Constructive Total Loss of period the policy has been in force. Return
the vehicle - actual and reasonable of the premium by the Company will
costs of repair and/or replacement be subject to retention of the minimum
of parts lost/damaged subject to premium of Rs. 100/- (or Rs. 25/- in respect
depreciation as per limits specified. of vehicles specifically designed/modified
for use by blind/handicapped/ mentally
2. Reasonable Care
challenged persons).
The Insured shall take all reasonable steps
to safeguard the vehicle insured from loss
or damage and to maintain it in efficient
condition.

Tata AIG General Insurance Company Limited

Cancellation premium retention grid: Act,1996.

% OF ANNUAL It is clearly agreed and understood that no

PERIOD PREMIUM TO difference or dispute shall be referable to
RETAIN Arbitration as hereinbefore provided, if the
Company has disputed or not accepted liability
Not exceeding 1
20% under or in respect of this policy.
month
Exceeding 1 month It is hereby expressly stipulated and declared that
but not exceeding 2 30% it shall be condition precedent to any right of action
months or suit upon this policy that the award by such
Exceeding 2 months arbitrator/arbitrators of the amount of the loss or
but not exceeding 3 40% damage shall be first obtained.
months
It is also hereby further expressly agreed and
Exceeding 3 months
but not exceeding 4 50% declared that if the Company shall disclaim liability
months to the insured for any claim hereunder and such
claim shall not, within twelve calendar months
Exceeding 4 months
from the date of such disclaimer have been made
but not exceeding 5 60%
months the subject matter of a suit in a court of law, then
the claim shall for all purposes be deemed to
Exceeding 5 months
have been abandoned and shall not thereafter be
but not exceeding 6 70%
months recoverable hereunder.

Exceeding 6 months 6. Contribution

but not exceeding 7 80%
months If at the time of occurrence of an event that gives
rise to any claim under this policy, there is in
Exceeding 7 months
but not exceeding 8 90% existence any other insurance covering the same
months loss, damage or liability, the Company shall not be
liable to pay or contribute more than its ratable
Full annual
Exceeding 8 months proportion of any compensation cost or expense.
premium/ rate
7. Change of Vehicle:
5. Arbitration Clause
Vehicle insured under the policy can be substituted
If any dispute or difference shall arise as to the
by another private car for the balance period of
quantum to be paid under the policy (liability
the policy subject to adjustment of premium, if
being otherwise admitted), such difference shall
any, on pro-rata basis from the date of substitution
independent of all other questions be referred to
on submission of fresh proposal form. Where the
the decision of a sole arbitrator to be appointed
vehicle so substituted is not a total loss, evidence
in writing by the parties to the dispute or if they
in support of continuation of insurance on the
cannot agree upon a single arbitrator within 30 days
substituted vehicle shall be submitted before such
of any party invoking Arbitration, the same shall be
substitution.
referred to a panel of three arbitrators comprising
two arbitrators one to be appointed by each of 8. Transfer of Insurance:
the parties to the dispute/difference, and a third
arbitrator to be appointed by such two arbitrators Transfer of “Own Damage” section of the policy in
who shall act as the presiding arbitrator and the favour of the transferee, shall be made on receipt
arbitration shall be conducted in accordance with of a specific request from the transferee within 14
the provisions of the Arbitration & Conciliation days from the date of transfer along with duly filled

Tata AIG General Insurance Company Limited

up fresh proposal form, consent of the transferor, No claim made or

acceptable evidence of sale, original old certificate pending during the
45%
of insurance and required fees for effecting transfer preceding 4 consecutive
in the record and issuance of fresh Certificate in years of insurance
the name of the transferee effective from the date No claim made or
of transfer. If for any reason, the old Certificate of pending during the
50%
Insurance is not surrendered, a proper declaration preceding 5 consecutive
citing reason to that effect be submitted before years of insurance
a new Certificate of Insurance shall be issued. If
Sunset Clause: If at the renewal falling due any time
request for transfer is made after 14 days from the
between 1st July 2002 and 30th June 2003, both
date of transfer then transfer will be effective from
days inclusive, (after completion of the full policy
the date request is received by Us and payment of
period of 12 months) an insured becomes entitled
transfer fees is made. If the transferee is not entitled
to an NCB of 65% in terms of the Tariff prevailing
to the benefit of the No Claim Bonus (NCB) shown
prior to 1st July 2002, the entitlement of such
on the policy, or is entitled to a lesser percentage of
higher percentage of NCB will remain protected
NCB than that existing in the policy, recovery of the
for all subsequent renewals till a claim arises under
difference between the transferee’s entitlement, if
the policy, in which case the NCB will revert to “Nil”
any, and that shown on policy shall be made before
at the next renewal. Thereafter, NCB if any earned,
effecting the transfer.
will be in terms of the above table.
9. No Claim Bonus:
c) The percentage of applicable NCB is to be
a) No Claim Bonus(NCB) can be earned only computed on the Own Damage premium
in the Own Damage section of Policies. For required for renewal of the insurance after
policies covering Fire and/or Theft Risks, the deducting any rebate in respect of “Vehicle
NCB will be applicable only on the Fire and / or Laid Up” under the policy. If the policy period
Theft components of the premium. An insured has been extended in lieu of the rebate for
becomes entitled to NCB only at the renewal of the lay up of the vehicle, as per “Vehicle Laid
a policy after the expiry of the full duration of Up” Regulation, such extended period shall be
12 months. deemed to have been part of the preceding
year of insurance.
b) No Claim Bonus, wherever applicable, will be
as per the following table. d) The entitlement of NCB shall follow the fortune
of the original insured and not the vehicle or
% OF DISCOUNT the policy. In the event of transfer of interest
ALL TYPES OF VEHICLES ON OWN DAMAGE in the policy from one insured to another, the
PREMIUM entitlement of NCB for the new insured will be
No claim made or as per the transferee’s eligibility following the
pending during the transfer of interest.
20%
preceding full year of
insurance It is however, clarified that the entitlement
of No Claim Bonus will be applicable for the
No claim made or
substituted vehicle subject to the provision
pending during the
25% that the substituted vehicle on which the
preceding 2 consecutive
years of insurance entitled NCB is to be applied is of the same
class (as per this tariff) as the vehicle on which
No claim made or
pending during the the NCB has been earned.
35%
preceding 3 consecutive
Provided that where the insured is an
years of insurance

Tata AIG General Insurance Company Limited

individual, and on his/ her death the custody of NCB for the particular insured and the
and use of the vehicle pass to his/her spouse previous insurer shall be obliged to provide the
and/or children and/or parents, the NCB information sought within 30 days of receipt of
entitlement of the original insured will pass on the letter of enquiry failing which the matter
to such person/s to whom the custody and use will be treated as a breach of Tariff on the part
of the vehicle pass. of the previous insurer. Failure of the insurer
granting the NCB to write to the previous
e) The percentage of NCB earned on a vehicle
insurer within 21 days after granting the cover
owned by an institution during the period when
will also constitute a breach of the Tariff.
it was allotted to and exclusively operated
by an employee should be passed on to the g) If an insured vehicle is sold and not replaced
employee if the ownership of the vehicle is immediately, or laid up, and the policy is not
transferred in the name of the employee. This renewed immediately after expiry, NCB, if any,
will however require submission of a suitable may be granted on a subsequent insurance,
letter from the employer confirming that prior provided such fresh insurance is effected within
to transfer of ownership of the vehicle to the 3 (three) years from the expiry of the previous
employee, it was allotted to and exclusively insurance. The rate of NCB applicable to the
operated by the employee during the period in fresh policy shall be that earned at the expiry
which the NCB was earned. of the last 12 months period of insurance.

f) In the event of the insured, transferring his h) On production of evidence of having earned
insurance from one insurer to another insurer, NCB abroad, an insured may be granted
the transferee insurer may allow the same rate NCB on a new policy taken out in India as
of NCB which the insured would have received per entitlement earned abroad, provided the
from the previous insurer. Evidence of the policy is taken out in India within three years of
insured’s NCB entitlement either in the form of expiry of the overseas insurance policy, subject
a renewal notice or a letter confirming the NCB to relevant provisions of NCB under these rules.
entitlement from the previous insurer will be
i) Except as provided in Clauses (g), no NCB can
required for this purpose.
be allowed when a policy is not renewed within
Where the insured is unable to produce such 90 days of its expiry.
evidence of NCB entitlement from the previous
j) Except as provided in Clauses (g), (h) and (i)
insurer, the claimed NCB may be permitted
above, NCB is to be allowed only when the
after obtaining from the insured a declaration
vehicle has been insured continuously for a
as per the following wording:
period of 12 months without any break.
“I / We declare that the rate of NCB claimed by
10. Concession for Laid-Up Vehicles
me/us is correct and that no claim as arisen in
the expiring policy period (copy of the policy In case vehicle is laid up in garage and not in use for
enclosed). I/We further undertake that if this a period of not less than two consecutive months
declaration is found to be incorrect, all benefits insurer liability will remain restricted for loss or
under the policy in respect of Own Damage damage of the insured vehicle by Fire and/or Theft
Section of the Policy will stand forfeited.” as applicable during the period of such lay-up. In
consideration of this restriction of cover under the
Notwithstanding the above declaration, the
policy insured may opt for either: -
insurer allowing the NCB will be obliged
to write to the policy issuing office of the a) a pro rata return of premium for the period
previous insurer by recorded delivery calling during which the vehicle is so laid up which
for confirmation of the entitlement and rate will be credited to the insured after retention

Tata AIG General Insurance Company Limited

of pro rata premium for the lay-up period in • Email - general.claims@tataaig.com

the tariff rate for Fire and/or Theft Risks as
• Website – www.tataaig.com
applicable for the class of vehicle concerned.
II. Insured or claimant shall furnish immediate
The credited return of premium will be
loss details, which shall include details of the
deducted from the next renewal premium.
loss event, location of the loss, location of the
This cannot be given as cash refund even if the
damaged vehicle, and names and telephone
policy is not renewed with the same insurer.
numbers of contact personnel
The calculation of the amount of the return of
III. If the claim is for theft, insured should report
premium shall be made on the net premium
to the Police as well as insurer within 48 hrs
on the date of issue of the policy or the date of
from theft and obtain an FIR or a written
renewal of the policy preceding the laying-up
acknowledgement from the Police authorities.
of the vehicle.
Notice of claim must be given by you to us
OR
immediately after an actual or potential loss begins
b) the expiry date of the current Period of or as soon as reasonably possible after actual or
insurance under the policy may be extended potential loss begins.
for a period equal to the period the policy
In case of vehicle theft, a police complaint has to
remained suspended on account of the lay-up.
be filed immediately after the loss. Please keep the
In either case the insured will be required to following information ready when you call the call
pay Rs.50 towards administrative cost. centre:

Return of premium or extension of policy 1. Your Contact Numbers

period in lieu thereof, on account of lay-up of
2. Policy Number
vehicles, will be available provided
3. Name of Insured
i) The vehicle is not undergoing repairs
during lay-up as result of an event giving 4. Date & Time of loss
rise to a claim under the policy.
5. Location of loss
ii) Previous notice in writing has been given
to the insurer by recorded delivery 6. Nature of Loss

iii) The certificate of insurance has been 7. Place & Contact Details of the person at the
returned to the insurer and loss location

iv) The period of lay-up / suspension of policy IV. In the event the claim is not settled within
shall not extend beyond twelve months 30 days, the Company shall be liable to pay
from the expiry date of the policy period in interest at a rate, which is 2% above the bank
which the lay-up has commenced. rate from the date of receipt of last relevant
and necessary document from the Insured/
C) Conditions when a claim arises claimant by Company till the date of actual
payment.
The insured / claimant will intimate claim to TATA
AIG via – V. Failure to furnish evidence within the time
required shall not invalidate nor reduce any
I. Call Centre:
claim if You can satisfy Us that it was not
• Toll Free Number – 18002667780 reasonably possible for You to give the proof
within such time.

Tata AIG General Insurance Company Limited

Note: The above list is only indicative. You may be In consideration of the payment of an additional
asked for additional documents. For more details, premium of Rs……….it is hereby understood and agreed
please refer to the intimation cum preliminary that notwithstanding anything contained in this Policy
claim form. to the contrary the Geographical Area in this Policy
shall from the . . ./ . ./ . . . . to the . …/. . /. . . .(both days
D) Conditions for renewal of the contract
inclusive) be deemed to include *
Renewal Notice
It is further specifically understood and agreed that
The Policy may be renewed with our consent. The such geographical extension excludes cover for damage
benefits under the policy or/and the terms and to the vehicle insured / injury to its occupants in respect
conditions of the policy, including premium rate of the vehicle insured during sea voyage / air passage
may be subject to change. for the purpose of ferrying the vehicle insured to the
extended geographical area.
We, however, are not bound to give notice that
it is due for renewal. Unless renewed as herein Subject otherwise to the terms exceptions conditions
provided, this Policy shall terminate at the expiration and limitations of this Policy.
of the period for which premium has been paid /
NOTE:- Insert Nepal/ Sri Lanka/ Maldives/ Bhutan/
received. No renewal receipt shall be valid unless it
Pakistan/ Bangladesh as the case may be.
is on the printed form of the Company and signed
by an authorized official of the Company. IMT5. HIRE PURCHASE AGREEMENT

E) Special Conditions It is hereby understood and agreed that ..... [hereinafter

referred to as the Owners (refer Policy Schedule)] are
1. In the event of the death of the sole insured, this
the Owners of the vehicle insured and that the vehicle
policy will not immediately lapse but will remain
insured is subject of an Hire’ Purchase Agreement made
valid for a period of three months from the date
between the Owners on the one part and the insured on
of the death of insured or until the expiry of this
the other part and it is further understood and agreed
policy (whichever is earlier). During the said period,
that the Owners are interested in any monies which but
legal heir(s) of the insured to whom the custody
for this Endorsement would be, payable to the insured
and use of the Motor Vehicle passes may apply to
under this Policy in respect of such loss or damage to
have this policy transferred to the name(s) of the
the vehicle insured as cannot be made good by repair
heir(s) or obtain a new insurance policy for the
and/or replacement of parts and such monies shall be
Motor Vehicle.
paid to the Owners as long as they are the Owners of
Where such legal heir(s) desire(s) to apply for the vehicle insured and their receipt shall be a full and
a transfer of this policy or obtain a new policy final discharge to the insurer in respect of such loss or
for the vehicle such heir(s) should make an damage.
application to the Company accordingly within the
Save as by this Endorsement expressly agreed nothing
aforesaid period. All such applications should be
herein shall modify or affect the rights and liabilities
accompanied by:-
of the insured or the insurer respectively under or in
a. Death certificate in respect of the insured connection with this Policy.

b. Proof of title to the vehicle Subject otherwise to the terms exceptions conditions
and limitations of this Policy.
c. Original Policy
IMT6. LEASE AGREEMENT
Auto Secure Endorsements (attached to and forming
part of Policy) It is hereby understood and agreed that ........ [hereinafter
referred to as the Lessors (refer Policy Schedule)] are
IMT1. Extension of Geographical Area the Owners of the vehicle insured and that the vehicle

Tata AIG General Insurance Company Limited

insured is the subject of a Lease Agreement made Save as by this Endorsement expressly agreed that
between the Lessor on the one part and the insured nothing herein shall modify or affect the rights or
on the other part and it is further understood and liabilities of the insured or the insurer respectively
agreed that the Lessors are interested in any monies under or in connection with this Policy or any term,
which but for this Endorsement would be payable to provision or condition thereof.
the insured under this Policy in respect of such loss
Subject otherwise to the terms exceptions conditions
or damage to the vehicle insured as cannot be made
and limitations of this Policy.
good by repair and/or replacement of parts and such
monies shall be paid to the Lessors as long as they are IMT8.DISCOUNT FOR MEMBERSHIP OF RECOGNISED
the owners of the vehicle insured and their receipt shall AUTOMOBILE ASSOCIATIONS
be a full and final discharge to the insurer in respect of
such loss or damage. It is also understood and agreed It is hereby understood and agreed that in consideration
that notwithstanding any provision in the Leasing of insured’s membership of ………………** a discount
Agreement to the contrary, this Policy is issued to the in premium of Rs. ……….* is allowed to the insured
insured namely................. (refer Policy Schedule) as the hereunder from …./…../…...
principal party and not as agent or trustee and nothing
It is further understood and agreed that if the insured
herein contained shall be construed as constituting
ceases to be a member of the above mentioned
the insured an agent or trustee for the Lessors or as
association during the currency of this Policy the
an assignment (whether legal or equitable) by the
insured shall immediately notify the insurer accordingly
insured to the Lessors, of his rights benefits and claims
and refund to the insurer a proportionate amount of
under this Policy and further nothing herein shall be
the discount allowed on this account for the unexpired
construed as creating or vesting any right in the Owner/
period of the cover.
Lessor to sue the insurer in any capacity whatsoever for
any alleged breach of its obligations hereunder. Subject otherwise to the terms, exceptions, conditions
and limitations of the policy
Save as by this Endorsement expressly agreed nothing
herein shall modify or affect the rights and liabilities * For full policy period, the full tariff discount to be
of the insured or the insurer respectively under or in inserted. For mid-term membership, prorata proportion
connection with this Policy. of the tariff discount for the unexpired policy period is
to be inserted.
Subject otherwise to the terms exceptions conditions
and limitations of this Policy. ** Insert name of the concerned Automobile
Association.
IMT7. VEHICLE SUBJECT TO HYPOTHECATION
AGREEMENT IMT10. INSTALLATION OF ANTI-THEFT DEVICE

It is hereby declared and agreed that the vehicle insured In consideration of certification by …………………* that
is pledged to /hypothecated with ............................... an Anti-Theft device approved by Automobile Research
[hereinafter referred to as the “Pledgee” (refer Policy Association of India (ARAI), Pune has been installed
Schedule)] and it is further understood and agreed in the vehicle insured herein a premium discount of
that the Pledgee is interested in any monies which but Rs…………** is hereby allowed to the insured.
for this Endorsement would be payable to the insured
It is hereby understood and agreed that the insured
under this Policy in respect of such loss or damage to
shall ensure at all times that this Anti-theft device
the vehicle insured as cannot be made good by repair
installed in the vehicle insured is maintained in efficient
and/or replacement of parts and such monies shall be
condition till the expiry of this policy.
paid to the Pledgee as long as they are the Pledgee of
the vehicle insured and their receipt shall be a full and Subject otherwise to the terms, exceptions, conditions
final discharge to the insurer in respect of such loss or and limitations of the policy
damage.

Tata AIG General Insurance Company Limited

* The name of the certifying Automobile Association is insurer exercising the option under Condition 3 to pay
to be inserted. in cash the amount of the loss or damage the liability of
the insurer in respect of any such part shall be limited to:
** Premium discount calculated as per tariff provision is
to be inserted. For mid-term certification of installation (a) (i) the price quoted in the latest catalogue or the
of Anti Theft device pro-rata proportion of tariff discount price list issued by the Manufacturer or his Agent
for the unexpired period is to be inserted. for the country in which the vehicle insured is held
for repair less depreciation applicable;
IMT.12. DISCOUNT FOR SPECIALLY DESIGNED/
MODIFIED VEHICLES FOR THE BLIND, HANDICAPPED OR
AND MENTALLY CHALLENGED PERSONS.
(ii) if no such catalogue or price list exists the price
Notwithstanding anything to the contrary contained list obtaining at the Manufacturer’s Works plus
in the policy it is hereby understood and agreed that the reasonable cost of transport otherwise
the vehicle insured being specially designed /modified than by air to the country in which the vehicle
for use of blind, handicapped and mentally challenged insured is held for repair and the amount of
persons and suitable endorsement to this effect having the relative import duty less depreciation
been incorporated in the Registration Book by the applicable under the Policy;
Registering Authority, a discount of 50% on the Own
and
Damage premium for the vehicle insured is hereby
allowed to the insured. (b) the reasonable cost of fitting such parts,
Subject otherwise to the terms exceptions conditions Subject otherwise to the terms conditions limitations
and limitations of the policy. and exceptions of this Policy.
IMT.13 .USE OF VEHICLE WITHIN INSURED’S OWN IMT22.COMPULSORY DEDUCTIBLE
PREMISES
Notwithstanding anything to the contrary contained
(Applicable to all classes except as otherwise in the Policy it is hereby understood and agreed that
provided in the tariff ) the insured shall bear under Own Damage Section of
the Policy in respect of each and every event (including
It is hereby understood and agreed that the insurer
event giving rise to a total loss/constructive total loss)
shall not be liable in respect of the vehicle insured
the first Rs.........* (refer Policy Schedule) (or any less
while the vehicle is being used elsewhere than in
expenditure which may incurred) or any expenditure
the insured’s premises except where the vehicle is
for which provision has been made under this Policy
specifically required for a mission to fight a fire.
and/or of any expenditure by the insurer in the exercise
For the purposes of this endorsement ‘Use confined of his discretion under Condition no. 3 for Private Cars/
to own premises’ shall mean use only on insured’s Two wheeler Policy.
premises to which public have no general right of
If the expenditure incurred by the insurer shall include
access.
any amount for which the insured is responsible
IMT19. COVER FOR VEHICLES IMPORTED WITHOUT hereunder such amount shall be repaid by the insured
CUSTOMS DUTY to the insurer forthwith.

Notwithstanding anything to the contrary contained in For the purpose of this Endorsement the expression
this Policy it is hereby understood and agreed that in “event” shall mean an event or series of events arising
the event of loss or damage to the vehicle insured and/ out of one cause in connection with the vehicle insured
or its accessories necessitating the supply of a part not in respect of which indemnify is provided under this Policy.
obtainable from stocks held in the country in which the
Subject otherwise to the terms conditions limitations
vehicle insured is held for repair or in the event of the
and exceptions of this Policy.

Tata AIG General Insurance Company Limited

(i) to insert amount as appropriate to the class of of Rs.......(refer Policy Schedule) notwithstanding
vehicle insured as per GR.40 of the tariff. anything to the contrary contained in the Policy it is
hereby understood and agreed that the insurer will
(ii) in respect of a vehicle rated under the Tariff for
indemnify the insured against loss of or damage to such
Private Car and in respect of a motorised two wheeler
electrical and/or electronic fitting(s) as specified in the
not carrying passengers for hire or reward, if any
schedule whilst it/these is/are fitted in or on the vehicle
deductible in addition to the compulsory deductible
insured where such loss or damage is occasioned by
provided in this endorsement is voluntarily borne
any of the perils mentioned in Own Damage Section of
by the insured, the sum representing the aggregate
the Policy. The insurer shall, however, not be liable for
of the compulsory and the voluntary deductibles is
loss of or damage to such fitting(s) caused by/as a result
to be inserted.
of mechanical or electrical breakdown. Provided always
IMT 22A VOLUNTARY DEDUCTIBLE that the liability of the insurer hereunder shall not
exceed the Insured’s Declared Value (IDV) of the item.
It is by declared and agreed that the insured having Subject otherwise to the terms conditions limitations
opted a voluntary deductible of Rs.____ (refer schedule) and exceptions of this Policy.
a reduction in premium of Rs. _____under Own Damage
Section of the policy is hereby allowed. IMT27.FIRE AND/OR THEFT

In consideration of the above, it is hereby understood Notwithstanding anything to the contrary contained
and agreed that the insured shall bear under Own in the Policy it is hereby understood and agreed the
Damage Section of the policy in respect of each and Own Damage Section of the Policy the insurer shall
every event (including event giving rise to a total loss/ not be liable there under except in respect of loss or
constructive total loss) the first Rs......(refer policy damage by fire explosion self ignition lightning and/or
schedule) or (any less expenditure which may be burglary housebreaking theft and riot strike malicious
incurred) of any expenditure for which provision has damage terrorism storm tempest flood inundation and
been made under this policy and/or of any expenditure earthquake perils.
by the insurer in the exercise of his discretion under
Subject otherwise to the terms conditions limitations
Condition no. 3 of this policy.
and exceptions of the Policy.
If the expenditure incurred by the insurer shall include
NB. (i) In case of Fire Risks only, the words “burglary
any amount for which the insured is responsible
housebreaking theft” are to be deleted.
hereunder such amount shall be repaid by the insured
to the insurer forthwith. NB.(ii) In case of Theft Risks only, the words “fire
explosion self ignition lightning riot strike malicious
For the purpose of this Endorsement the expression
damage terrorism storm tempest flood inundation and
“event” shall mean an event or series of events arising
earthquake perils” are to be deleted.
out of one cause in connection with the vehicle insured
in respect of which indemnity is provided under this Auto Secure – Standalone Own Damage Private Car
policy. Policy Add On Covers

Subject otherwise to the terms conditions limitations TA01 Depreciation Reimbursement - SAOD Private
and exceptions of this Policy. Car Policy
(IRDAN108RP0001V01201920/A0003V01201920)
IMT24.ELECTRICAL/ELECTRONIC FITTINGS
This cover is applicable if it is shown on your
(Items fitted in the vehicle but not included in the
schedule.
manufacturer’s listed selling price of the vehicle -
Package Policy only) What is Covered:
In consideration of the payment of additional premium We will pay you the amount of depreciation

Tata AIG General Insurance Company Limited

deducted on the value of parts replaced under The Daily allowance will not be payable if any or all
own damage claim, lodged under section 1 (own of the following condition applies:
damage) of the policy. We will pay for the first
1. If you are claiming only for windscreen or glass
2 claims reported to us during the Period of
damage under Own Damage Section of the
insurance.
policy.
Special Conditions applicable to this cover in
2. If Vehicle is not repaired at the Authorised
addition to the General Conditions:
Garage
• A claim where replacement of any part is not
3. If claim under Own Damage Section is not valid
involved and no depreciation is deducted under
and admissible.
own damage claim, will not be considered as
claim under this cover. 4. If time required for repair of motor vehicle is
up to 3 days.
• Vehicle is repaired at any of our Authorised
Garage/Authorised workshop/Authorised TA03 Courtesy/Hire Car - SAOD Private Car Policy
service station.
(IRDAN108RP0001V01201920/A0011V01201920)
TA02 Daily Allowance - SAOD Private Car Policy This cover is applicable if it is shown on your
(IRDAN108RP0001V01201920/A0004V01201920) schedule.
This cover is applicable if it is shown on your What is Covered:
schedule.
We will arrange for the Courtesy/Hire car to reduce
What is Covered: your inconvenience if insured Vehicle is damaged
by a covered peril mentioned in Own Damage
We will pay You Daily Allowance as mentioned in Section (Own damage) of the policy.
the schedule to enable you to meet the cost of hired
transport to reduce Your inconvenience, if Your A Courtesy/Hire car is not intended to be an exact
Vehicle is damaged by a covered peril mentioned replacement of vehicle in terms of its size, segment,
in Own Damage Section of the policy. type, value or status.

The allowance would be payable for a maximum Courtesy/Hire car will be made available within 24
period of 10 days during the period of insurance. hours of Vehicle reaching the garage or the time
In case of theft/total loss claim, we will pay for of intimation of claim to us, whichever is later
maximum 15 days during the period of insurance. excluding weekends/national holidays, provided
time required for repair of vehicle is greater than
Reasonable time taken for repair in respect of 24 hrs or it is a claim for total loss/theft of entire
damages not admissible under Own Damage vehicle. Company will pay for the Courtesy/Hire car
Section of the policy (as agreed between you, for a maximum period of 10 days in case of repair
surveyor & garage/workshop manager) would be claim and 15 days in case of theft/total loss claim
excluded for the purpose of computation of Daily during the period of Insurance. In case of theft, if
Allowance. the vehicle is recovered earlier, then our liability
to pay under this cover ends on the day police
Your entitlement of Daily Allowance will start from
authority informs You to take delivery of the vehicle
the following calendar day of Your Vehicle reaching
plus 2 days.
the garage for repair or the day of intimation of
claim to Us, whichever is later and shall end on the Courtesy/Hire car will be provided for 8 hrs or
day garage intimates you to take delivery of the 80 Km per day whichever is less. The terms and
Vehicle. conditions of the Hire Car Company will apply.
You will be given a copy of the Hire Car Company’s
What is not Covered:

Tata AIG General Insurance Company Limited

terms and conditions when the hire car is delivered In consideration of payment of additional premium,
to you. We will pay the difference between Insured’s
Declared Value (IDV) of the insured vehicle and
Your entitlement of Courtesy/Hire car, in case of
on-road price (including electronic/electrical/non
repair claim, will be for the duration Your vehicle is
electrical/electronic accessories/bi-fuel kit provided
in garage for repair and shall end on the day garage
by manufacturer/dealer) of a new vehicle of similar
intimates You about completion of repair and
make and model published by manufacturer/
readiness of the Vehicle for delivery irrespective of
dealer in case of Total Loss/Constructive Total Loss/
claim settlement is intimated or not subject to the
Theft of your vehicle. On road price shall include
following:
registration fees, road tax & Insurance charges.
1. Time taken for repair in respect of damages
Insurance charges will be limited to the amount
not admissible under Own Damage Section of
arrived at by multiplying prevailing Own Damage
the policy (as agreed between you, surveyor &
Rate on the date of accident with Insured’s Declared
garage workshop manager) would be excluded
Value (IDV) & applicable Basic Third Party Premium.
for the purpose of computation of duration for
which Courtesy/Hire Car will be provided. For obsolete models, on road price shall mean last
on road price listed by manufacturer/dealer.
2. Period for which vehicle is stuck for repair for
non availability of any part and/or material at For imported vehicles, we will pay the shortfall
garage would be excluded for the purpose of between the Insured’s Declared Value (IDV) of the
computation of duration for which Courtesy/ insured vehicle and the landed cost of a new vehicle
Hire car will be provided. of a similar make and model.

If We are unable to provide You a Courtesy/Hire Special conditions applicable to this cover:
car then We will pay Your travel cost of Rs.(refer
• The finance company/bank whose interest is
schedule) per day for the period determined as
endorsed on the policy must agree in writing.
above.
What is not covered:
What is not Covered:
We will not provide you with a Courtesy/Hire car We will not pay if:

1. If you are only claiming for windscreen or • the Total Loss/CTL and theft claim is not valid
any other glass damage under Own Damage and admissible under section 1 of the policy.
Section (Own damage) of the policy.
• final investigation report of police confirming
2. If Vehicle is not repaired at our Authorised the theft of the vehicle in case of theft claim is
Garage/Authorised workshop/Authorised not submitted to us.
service station.
Subject otherwise to the terms, exceptions,
3. If claim under Own Damage Section (Own conditions and limitations of this Policy
damage) is not valid and admissible.
TA06 No Claim Bonus Protection Cover - SAOD
4. If time taken for repair is in respect of damages Private Car Policy (IRDAN108RP0001V01201920/
not admissible under Own Damage Section A0006V01201920)
(Own damage) of the policy.
This cover is applicable if it is shown on Your
TA05 Return to Invoice - SAOD Private Car Policy schedule.
(IRDAN108RP0001V01201920/A0005V02201920)
What is Covered
What is covered:
We will allow you the same No claim bonus, as

Tata AIG General Insurance Company Limited

shown on Your schedule at the time of renewal What is not Covered:

provided-
1. Cost of painting of parts without any other
• The rate of No claim bonus as shown in the repair associated with these parts.
schedule is an accumulation of 2 or more claim
TA09 Loss of personal belongings - SAOD Private
free years and their being no own damage
Car Policy (IRDAN108RP0001V01201920/
claim in preceding 2 years.
A0008V01201920)
• Not more than 1 own damage claim is
This cover is applicable if it is shown on your
registered in the current period of insurance.
schedule.
• The renewal of policy is done with Us within 90
We will pay for the loss or damage to you and your
days of expiry of the policy
Family member’s personal belongings caused by
• The claim is not a Total LOSS (TL)/Constructive perils mentioned under Own Damage Section of
Total Loss (CTL) the policy while they are in the vehicle at the time
of loss or damage to the vehicle.
Special conditions applicable to this benefit in
addition to the general conditions: Personal belongings for the purpose of this section
means items such as clothes and other articles of
• The claim made for damages only to the
personal nature likely to be worn, used or carried
windscreen glass/rear glass/door glasses sun
and includes audio/video tapes, CDs but excludes
roof glass, will not be considered as a claim
money, securities, cheques, bank drafts, credit or
under this benefit.
debit cards, jewellery, lens, glasses, travel tickets,
• The claim only partial theft of accessories/ watches, valuables, manuscripts, paintings and
parts will not be considered as a claim under items of similar nature. Any goods or samples
this benefit. carried in connections with any trade or business is
not covered.
• A claim for theft of entire motor vehicle will
not be considered as a TL/CTL for this purpose A police report must be filed for claims due to
provided a new motor vehicle is purchased burglary, house-breaking or theft.
and insured with Us within 90 days of the theft,
The maximum amount payable under this section is
in which case, We will allow same No claim
Rs (Refer Schedule) during the period of insurance.
bonus on New motor vehicle as is shown in the
Any claim under this section will be admissible
schedule
only when there is a valid and admissible claim
TA08 Repair of Glass, Fibre, Plastic & in respect of the vehicle arising out of the same
Rubber Parts - SAOD Private Car Policy accident.
(IRDAN108RP0001V01201920/A0007V01201920)
The insured will bear first Rs. 250 of each and every
What is Covered: claim under this section.

A claim for only Glass/plastic/rubber/fiber part TA10 Emergency Transport & Hotel Expenses - SAOD
where You opt for repairs rather than replacement, Private Car Policy (IRDAN108RP0001V01201920/
at our authorised workshops/authorised dealers/ A0009V01201920)
authorised service stations will not affect Your No
This cover is applicable if it is shown on your
Claim Bonus eligibility at the time renewal with Us
schedule.
provided number of such claim does not exceed
one and there is no other claim for damage to the We will pay towards the cost of overnight stay
vehicle during the period of insurance. and taxi charges for returning back to Your place
of residence or the nearest city You are traveling

Tata AIG General Insurance Company Limited

to if Your motor vehicle has met with an accident 1. Internal parts of the engine
by any of the peril mentioned under Own Damage
2. Gear Box, Transmission or Differential
Section of the policy and cannot be driven. We
Assembly
will pay maximum Rs (refer schedule) for any one
accident and Rs (Refer Schedule) during the period Provided loss or damage is due to ingress of water
of insurance. Documentary proof of expenditure in the engine or leakage of lubricating oil from
must be submitted by any claim under this section. engine/respective assembly.
Any claim under this section will be admissible only We will also pay for the lubricating oils/consumables
when there is a valid & admissible claim in respect used in the respective assembly i.e. material, which
of the vehicle arising out of the same accident. is used up and needs continuous replenishment
such as engine oil, gear box oil etc. but excluding fuel.
TA15 Key Replacement - SAOD Private Car Policy
(IRDAN108RP0001V01201920/A0010V01201920) What is not covered:
This cover is applicable if it shown on Your schedule. We shall not indemnify you under this endorsement
in respect of-
What is Covered
1. Loss or damage covered under manufacturer
1. Key Replacement – We will reimburse You for
warranty; recall campaign or forming part of
the cost of replacing your vehicle keys which
maintenance/preventive maintenance.
are lost or stolen.
2. Any aggravation of loss or damage including
2. Break-in Protection – We will reimburse you
corrosion due to delay in intimation to us and/
for the cost of replacing your locks and keys if
or retrieving the vehicle from water logged area.
your vehicle is broken into. The covered costs
include the labor cost for replacing the lock. 3. Ageing, depreciation, wear and tear.
What is not Covered Special Condition:
We will not pay for: Claim under this endorsement will be admissible
only if -
1. costs other than those listed in the “What is
Covered” section; 1. In case of water damage, there is and evidence
of vehicle being submerged or stopped in
2. the cost to replace keys to vehicles that You do
water logged area.
not own for personal use;
2. In case of leakage of lubricating oil, there is
Coverage Conditions
a visible evidence of accidental damage to
For break-in protection claims, you must provide engine or respective assembly.
an official police report that confirms the incident
3. Vehicle is transported/towed to garage within
happened within the period of insurance.
2 (Two) days of water receding from the water
TA16 Engine Secure - SAOD Private Car Policy logged area.
(IRDAN108RP0001V01201920/A0012V01201920)
4. You have taken all reasonable steps, safeguards
This cover is applicable if it is shown on your and precautions to avoid any loss or damage
schedule. and also prevent aggravation of loss once the
loss or damage to the vehicle is sustained and
What is covered:
noticed by You.
We will pay you repair and replacement expenses
for the loss or damage to -

Tata AIG General Insurance Company Limited

Deductible: “Own Damage” section of the policy. Our liability

under this cover will be restricted to the difference
We shall not be liable for each and every claim
of depreciation percentage applied under “Own
under this coverage in respect of deductible stated
Damage” section and as mentioned above basis
in the schedule.
the unused tread depth.
Subject otherwise to terms, conditions, limitations
What is not covered
and exceptions of the policy.
1. If vehicle is not repaired at Authorized garage.
TA17 Tyre Secure - SAOD Private Car Policy
(IRDAN108RP0001V01201920/A0013V01201920) 2. loss or damage arising out of natural wear
and tear including unevenly worn tyres
This cover is applicable if it shown on your schedule.
caused by defective steering geometry outside
What is covered manufacturer’s recommended limits or wheel
balance, failure of suspension component,
We will cover expenses for repair and/or wheel bearing or shock absorber.
replacement, as may be necessitated arising out of
accidental loss or damage to tyres and tubes. 3. any loss or damage within first 15 days of
inception of the policy.
In any situation company’s liability would not
exceed the following, basis the unused tread depth 4. any loss or damage occurred prior to inception
of respective tyre (not applicable if Full cover is of the policy
opted)-
5. any loss or damage resulting into total loss of
• Unused tread depth of <3 mm - Considered as the vehicle
normal wear and tear and is not covered.
6. routine maintenance including adjustment,
• Unused tread depth of <3 mm to <5 mm – 50% alignment, balancing or rotation of wheels/
of cost of new tyre and/or tube. tyres/tubes

• Unused tread depth of >=5 to < 7 mm - 75% of 7. Loss or damage to wheel accessories, any
cost of new tyre and/or tube other parts or rim.

• Unused tread depth of > = 7 mm - 100% of cost 8. theft of tyre(s)/tube(s) or its parts accessories
of new tyre and/or tube without vehicle being stolen or theft of entire
vehicle.
Unused Tread depth will be measured at the
centre of the tread. Minimum 4 measurements 9. if the tyre(s)/tube(s) being claimed is different
at 4 different places will be taken for the purpose from tyre(s) insured/supplied as original
of arriving at means tread depth which will be the equipment along with the vehicle unless
basis of indemnity under the coverage. informed to us and mentioned/endorsed on
the policy.
Whenever replacement of tyre will be allowed it will
be of the same make and specification and if tyre 10. fraudulent act committed by insured or the
of similar specification is not available and replaced workshop or any person entrusted possession
tyre is superior to damaged tyre then We will not be of the vehicle by insured.
liable for betterment charges. Maximum of 4 (four)
11. loss or damage arising out of improper storage
replacements will be allowed during the Period of
or transportation
Insurance.
12. any consequential loss or damage such as but
If damage to tyre and tube is due to the accidental
not limited to noises, vibrations and sensations
damage to the insured vehicle covered under

Tata AIG General Insurance Company Limited

that do not affect tyre function or performance. This cover is applicable if it shown on your schedule.

13. loss or damage arising out of modifications not What is covered

approved by tyre manufacturer.
We will cover cost of consumables required to be
14. loss or damage resulting from hard driving due replaced/replenished arising from an accident to
to race, rally or illegal activities. the insured vehicle. Consumable for the purpose
of this cover shall include engine oil, gear box
15. loss or damage due to neglect of periodic
oil, lubricants, nut & bolt, screw, distilled water,
maintenance as specified by manufacturer.
grease, oil filter, bearing, washers, clip, break oil,
16. loss or damage resulting from poor air conditioner gas and items of similar nature
workmanship while repair. excluding fuel.

17. loss or damage arising out of any manufacturing What is not covered
defect or design including manufacturer’s
1. Any consumable not associated with admissible
recall.
Own Damage claim under Own Damage of the
18. minor damage or scratch not affecting the policy.
functioning
2. If there is no valid and admissible claim under
19. tyre which has been used for its full specified Own Damage section of the policy.
life as per manufacturer’s guideline or where
3. If vehicle is not repaired at Authorized garage
unused tread depth is less than 3 mm.
TA19 Road Side Assistance - SAOD Private Car Policy
Important Conditions
(IRDAN108RP0001V01201920/A0015V01201920)
1. If you make a fraudulent claim which is
(This cover is applicable if it is shown on your
declined as per para 10 of “What We will not
schedule)
cover”, coverage under this section shall cease
with immediate effect. These services will be offered to you during the
policy period as mentioned on your Policy Schedule
2. If during the Period of insurance any tyre is
or Certificate of Insurance.
replaced for any reason for which claim is not
preferred under the coverage, cover on new Repair and Towing Assistance
tyre would not be available unless details of
Service for Flat Tyre
new tyre are informed to us.
In the event insured Vehicle is immobilized due to
3. In case of replacement of tyre for which a claim
a flat tyre, you will get the assistance of a vehicle
is preferred under the coverage replaced tyre
technician to replace the flat tyre with the spare
can be included by way of endorsement by
stepney tyre of the Vehicle at the location of
paying requisite premium.
breakdown. In case the spare tyre is not available
4. All claims must be made within 3 working days in the insured Vehicle, the flat tyre will be taken
of damage. to the nearest flat tyre repair shop for repairs &
re-attached to the Vehicle. All incidental charges
5. You must take all reasonable steps to avoid loss
for transporting the tyre to the repair shop and its
or damage to tyre(s). You must not continue to
repair cost shall be borne by you.
drive the vehicle after any damage or incident
if this could cause further damage to tyre(s). Flat Battery – Jump Start Service

TA18 Consumable Expenses - SAOD Private Car Policy In the event insured Vehicle is immobilized, due to
(IRDAN108RP0001V01201920/A0014V01201920) rundown battery, you will get the assistance of a

Tata AIG General Insurance Company Limited

Vehicle technician to jump start the ssVehicle with break down due to a mechanical or electrical fault
appropriate means. If the run down battery has to which cannot be repaired on the spot, you will get
be replaced with a new battery, the cost of such the assistance in towing the vehicle to the nearest
battery replacement and any costs to obtain the garage, using the best available towing mechanism,
battery will be borne by you. All costs involved in within a radius of 25 Kms. from the location of the
charging of the run down battery will also be borne breakdown. In case the towing distance exceeds
by you. the mentioned limit, you will be informed of the
expected additional costs, which will need to be
Repair on the spot
paid by you to the vendor at vendor’s actual rates.
In the event insured Vehicle breaks down due
In case of an Accident:
to a minor mechanical / electrical fault making it
immobile and immediate repair on the spot is In the event insured Vehicle suffers an immobilizing
deemed possible, you will get the assistance of a break down due to an accident, you will get the
vehicle technician for repairing the breakdown assistance in towing the vehicle to the nearest
at the location of breakdown. Cost of Material & garage, using the appropriate towing mechanism
Spare Parts, if required, to repair the vehicle on the within a radius of 25 Kms. from the location of the
spot and any other incidental conveyance to obtain breakdown. In case the towing distance exceeds
such material & spare parts will be borne by you. the mentioned limit, you will be informed of the
expected additional costs, which will need to be
Spare Key Retrieval / Service for Keys Locked
paid by you at the vendor’s actual rates.
Inside
Concierge Services:
If the keys of the insured vehicle are locked inside
the vehicle, lost, or misplaced, and in case you SMS Relays/Emergency Message Service
need and request to arrange for another set from
In the event of breakdown or accident to your
your place of residence or office by courier to the
insured vehicle under our policy your urgent
location of the vehicle, the same will be arranged
messages will be relayed to a person of your choice.
after receiving the requisite authorizations from
you with regards to the person designated to hand Continuation / Return Journey (Taxi Support)
over the same. You may be requested to submit an
identity proof at the time of delivery of the keys. In the event the insured vehicle is immobilized due
Alternatively, at your request, you will be assisted to a breakdown, outside the municipal/corporation
by a car technician to attempt to open the car with limits of your home city, and the vehicle cannot be
normally available tools at the location of the event. repaired the same day, you will get the assistance
Identity proof for matching with car ownership for arrangement of alternate mode of transport
information on record will be required prior to (Taxi) to continue the journey or return to your
attempting this service. home town from the location of the breakdown. In
the normal course “C” Class vehicles (as per widely
Fuel Support (Emergency Fuel Delivery) used categorization of the automobile industry) will
be arranged on a best effort basis. However, in case
In the event insured Vehicle runs out of fuel and
the same is not available owing to geographical or
hence is immobilized, you will get the assistance
other constraints, you will be provided the next best
of emergency fuel (up to 5 liters on a chargeable
class of vehicle available. Taxi fare for the journey
basis) at the location of breakdown.
will be borne by you and shall be paid directly to
Emergency Towing Assistance the vendor.

In case of Break-down: Hotel Accommodation

In the event insured Vehicle suffers an immobilizing In the event insured vehicle is immobilized due to

Tata AIG General Insurance Company Limited

a breakdown which has taken place and cannot be basis, subject to regulations in force locally.
repaired the same day, you will get the assistance
2 The services would not be provided under
in organizing for Hotel accommodation near the
following conditions:
location of the event. You will have to bear the cost
of stay and you will be informed of the amount to Acts of God (including exceptional adverse
be paid in advance directly to the Hotel. weather conditions), earthquake, fire (not
caused by the negligence of either party), war
Pick up of repaired vehicle
(declared or undeclared), invasion, rebellion,
In the event insured Vehicle suffers an immobilizing revolt, riot (other than among employees of
breakdown/accident which is outside the limits either party), civil commotion, civil war, acts
of your home city, and the vehicle is towed to the of terrorism, nuclear fission, strike, act(s)
nearest garage which determines that the vehicle of omission/commission by any concerned,
cannot be repaired the same day, you will get the Government(s), or government agencies,
assistance to pick the vehicle from the location judicial or quasi-judicial authorities.
of incident and transport it to the desired location by
3 loss of or damage to luggage or other personal
providing driver facility service after the vehicle is fully
effects that might occur during the services
repaired. The cost of driver shall be borne by you.
performance.
Important Note: You will not be required to pay
4 Vehicles should not be used for the purpose
for labor cost and round-trip conveyance costs
of racing, rallying, motor-sports, or in any
of the service provider except cost of material/
instance where the Vehicle is not being used /
spare parts and conveyance/transportation cost to
driven in accordance with applicable laws and
obtain them, if required, to repair the Vehicle and
regulations.
any other cost specifically mentioned in the above
services. 5 Not covered events: Any service not-covered
here, if provided shall be at your own expense.
Further, If your insured vehicle is immobilized due
to breakdown, and is eligible for services, but as a 6 Load carried in the vehicle such as boats, motor
rare chance, you do not get the eligible assistance vehicles, gliders, or animals (horses, cattle...),
as mentioned above, you will be reimbursed the merchandise, perishable goods, research and
costs incurred for towing the insured Vehicle to scientific equipment, building equipment,
the nearest garage not exceeding Rs.2000/- per furniture, etc. shall not be transported.
event for towing or Rs.250/- per event for other
services. To qualify for reimbursement, you must 7 You can avail of these services for maximum of
have called the toll free number and obtained an 4 times during the course of the policy period.
authorization, prior to availing external service and
Procedure of receiving services:
must provide necessary documents justifying the
event and the actual costs borne. To avail this services all you have to do is call
1800 266 7780
Geographical territory:
When requesting Services, you will comply with the
These services are available on National highways,
following terms and conditions:
state highways and motorable roads of cities within
mainland India, except in the states of Mizoram, - Call, without delay, the toll free number /
Nagaland, Tripura, Arunachal Pradesh, Sikkim. Telephone Number provided here,

LIMITATIONS: - Get the prior approval before taking any

initiative or incurring any expenses,
1 The Services will be provided on a best effort

Tata AIG General Insurance Company Limited

- Comply with the solutions recommended vehicle unless cost of the battery is included in
IDV or endorsed in the policy.
- Take all reasonable measures to limit and
prevent possible consequences of the Special Condition:
Breakdown
In the event of an accident, we will indemnify under
- Provide the your / user beneficiary Information. this add-on only if sufficient evidence of under
carriage damage to Battery.
In order to entitle the relevant Users to the
Services, the insured Vehicle must be immobilized Subject otherwise to terms, conditions, limitations
within the Covered geographical territory. A and exceptions of the policy
vehicle is considered as immobilized as long as it
TA30 Depreciation Reimbursement - Battery -
cannot be driven as a result of a breakdown or an
Private Car SAOD
accident. However, the state of being out of use for
maintenance or repair purposes is not considered UIN IRDAN108RP0001V01201920/A0012V01202223
as immobilization.
This cover is applicable if it is shown on your Policy
TA29 Electric Surge - Private Car SAOD schedule.
UIN IRDAN108RP0001V01201920/A0011V01202223 We will pay you the amount of depreciation
deducted on the value of the Battery replaced
This cover is applicable if it is shown on Your Policy
under Own Damage claim, lodged under section 1
schedule.
(Loss of or Damage to the Vehicle Insured) of the
We will pay you for partial or total or constructive policy. We will pay for the first <> claims during
total loss, destruction or damage to Electric vehicle the period of insurance as mentioned in the Policy
including Charging equipment arising out of arcing, schedule.
self heating, leakage of electricity or short circuiting
Deductible: First Rs….. for each and every claim as
including due to ingress of water.
mentioned in Policy Schedule.
Our maximum liability will be limited to Insured
What is not covered:
Declared Value (IDV) mentioned in the policy
schedule. • We shall not indemnify You in respect of, loss or
damage to the battery fitted in the vehicle unless
What is not Covered:
cost of the battery is included in IDV or endorsed in
We shall not indemnify You in respect of- the policy

• Loss or damage due to any Manufacturing Special Conditions applicable to this cover in
Defect. addition to the General Conditions:

• Loss arising as a result of failure to follow the • Vehicle is repaired at any of our Authorised Garage/
manufacturer’s instructions. Authorised workshop/Authorised service station.

• Use of batteries, charger and / or accessories Subject otherwise to terms, conditions, limitations
not as per approved specification by the and exceptions of the policy.
manufacturer.
TA20 Daily allowance Plus - SAOD Private Car Policy
• When Battery is charged not in accordance (UIN: IRDAN108RP0001V01201920/A0013V01202122)
with manufacturer’s instruction.
This cover is applicable if it is shown on Your
• loss or damage to the battery fitted in the schedule

Tata AIG General Insurance Company Limited

If insured Vehicle is damaged by the covered peril is damaged by a covered peril mentioned in
mentioned in section 1 (Own damage) of the policy, section 1 (Own damage) of the policy.
Wewill allow compensation in the form of –
A Courtesy/Hire car is not intended to be an
A) Daily Allowance exact replacement of the insured vehicle in
terms of its size, segment, type, value or status.
OR
Courtesy/Hire car will be made available within
B) Courtesy Hire/Car
24 hours of the insured Vehicle reaching the
Insured will have an option to choose the garage or the time of intimation of claim to
compensation option at the time of claim in us, whichever is later excluding weekends/
accordance with the plan selected as per policy national holidays, provided time required for
schedule repair of vehicle is greater than 24 hrs. If it is
a claim for theft of entire vehicle/Constructive
I. What is covered: total loss/total loss. Company will pay for the
Courtesy/Hire car for a maximum period of
A) Daily Allowance
days as mentioned in policy schedule in case
We will pay You Daily Allowance as mentioned in of repair claim and 15 days in case of theft of
the schedule to enable You to meet the cost of entire vehicle/total loss claim during the Period
hired transport to reduce Your inconvenience, of insurance.
if Your Vehicle is damaged by a covered peril
Courtesy/Hire car will be provided for <*> hrs
mentioned in section 1 of the policy.
or <*> Km per day whichever is less for first
The allowance would be payable for a <* > claims other than theft of entire vehicle/
maximum period of <* > days for first <* Constructive total loss/total loss claim during the
> claims other than theft of entire vehicle/ Period of insurance. The terms and conditions
Constructive total loss/total loss claim during of the Hire Car Company will apply. You will be
the Period of insurance. In case of theft of entire given a copy of the Hire Car Company’s terms
vehicle/Constructive total loss/total loss claim, and conditions when the hire car is delivered
We will pay for maximum 15 days during the to you.
Period of insurance.
Your entitlement of Courtesy/Hire car, in case
Your entitlement of Daily Allowance will start of repair claim, will be start from the following
from the following calendar day of Your Vehicle calendar day of Your Vehicle reaching the
reaching the garage for repair or the day of garage for repair or the day of survey of
survey of vehicle, whichever is later and shall vehicle, whichever is later and shall end on the
end on the day garage intimates You to take day garage intimates You to take delivery of
delivery of the vehicle. the vehicle irrespective of claim settlement is
intimated.
This cover allows daily allowance benefit for
number of days cover selected by You or actual *Please refer policy schedule
number of days required for the repair of the
If You do not want to avail Daily Allowance or
vehicle whichever is lower.
Courtesy/Hire Car benefit then -
*Please refer policy schedule
We will pay Your cost of travel expenses Rs <*>
B) Courtesy Hire/Car: per day as per daily allowance cover for the period
determined as above. In case You opt for travel
We will arrange for the Courtesy/Hire car to expenses, terms and conditions of the Company
reduce Your inconvenience if insured Vehicle providing it will apply.

Tata AIG General Insurance Company Limited

II. What is not Covered: has provided vehicle to the insured as per their
terms and conditions.
The claim under Daily allowance Plus will not be
payable if any or all of the following condition 6. Authorized workshop/garage/service station
applies: - A motor vehicle repair workshop/garage/
service station authorized by us.
a. If You are only claiming for windscreen or any
other glass damage under section 1 (Own 7. Daily Allowance - Fixed amount to be paid
damage) of the policy. for the purpose of meeting the cost of hired
transport.
b. If Vehicle is not repaired at our Authorised
Garage/Authorised workshop/Authorised 8. Family - You, Your spouse, your children your
service station. parents and any other person residing with
you without paying a commercial rent.
c. If claim under section 1 (Own damage) is not
valid and admissible. 9. Break-in - means to enter someone’s vehicle
illegally by actual force or violence of which
d. If time taken for repair is in respect of damages
there shall be visible marks made at the place
not admissible under section 1 (Own damage)
of such entry by electricity or chemicals as
of the policy.
well as by tools or explosives, usually with the
e. Period for which vehicle is stuck for repair for intent to steal or commit a violent act.
non availability of any part and/or material at
10. Lost or stolen means having been inadvertently
garage would be excluded for the purpose of
lost or having been stolen by a third party
computation of duration for the claim.
without your assistance, consent or co-
f. Time excess if any voluntarily selected by you. operation.

Definitions: 11. Period of insurance - The period of time stated

in the schedule for which the policy is valid and
1. We, Us, Our, Ourselves means the Tata AIG operative.
General Insurance Co. Ltd.
Grievance Lodgement Stage
2. You, Your, Yourself - Means or refers to the
person or persons described in the Schedule as The Company is committed to extend the best possible
the insured. In case schedule refers to an entity services to its customers. However, if you are not
other than individual, then representative, of satisfied with our services and wish to lodge a complaint,
such an entity would be deemed as You, Your, please feel free to contact us through below channels:
Yourself.
Call us 24x7 toll free helpline 1800 266 7780 or
3. Constructive Total Loss - A vehicle will be 022-66939500 (tolled)
considered to be a Constructive Total Loss
Email us at customersupport@tataaig.com
(CTL), where the aggregate cost of retrieval
and/or repair of the vehicle subject to terms Write to us at: Customer Support, Tata AIG General
and conditions of the policy exceed 75% of the Insurance Company Limited
Sum Insured.
Peninsula Business Park, Tower A, 15th Floor,
4. Courtesy/Hire car - A vehicle provided to the Ganpatrao Kadam Marg, Lower Parel, Mumbai- 400
insured by the hire car company. 013, Maharashtra, India

5. Hire car Company - Company which is engaged Visit the Servicing Branch mentioned in the policy
in the business of letting out cars on hire and document

Tata AIG General Insurance Company Limited

Nodal Officer our response within a period of 8 days from the date of
receipt of your complaint.
Please visit our website at www.tataaig.com to know the
contact details of the Nodal Officer for your servicing Escalation Level 2
branch.
For lack of a response or if the resolution still does
After investigating the grievance internally and not meet your expectations, you can write to the
subsequent closure, we will send our response within Head-Customer Services at head.customerservices@
a period of 10 days from the date of receipt of the tataaig.com. After examining the matter, we will send
complaint by the Company or its office in Mumbai. In you our response within a period of 7 days from the
case the resolution is likely to take longer time, we will date of receipt of your complaint. Within 30 days
inform you of the same through an interim reply. of lodging a complaint with us, if you do not get a
satisfactory response from us and you wish to pursue
Escalation Level 1
other avenues for redressal of grievances, you may
For lack of a response or if the resolution still does not approach Insurance Ombudsman appointed by IRDA of
meet your expectations, you can write to manager. India under the Insurance Ombudsman Scheme. Given
customersupport@tataaig.com. After investigating the below are details of the Insurance Ombudsman located
matter internally and subsequent closure, we will send at various centers.

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
Office of the Insurance Ombudsman, Jeevan
Soudha Building, PID No. 57-27-N-19 Ground
Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase,
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

Tata AIG General Insurance Company Limited

Office of the Jurisdiction of Office Union

SN Address & Contact
Ombudsman Territory, District

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
Office of the Insurance Ombudsman, Jeevan
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
Office of the Insurance Ombudsman, Jeevan
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

Tata AIG General Insurance Company Limited

Office of the Jurisdiction of Office Union

SN Address & Contact
Ombudsman Territory, District

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
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, Muzaffarnagar, Oraiyya,
15 Noida
Distt: Gautam Buddh Nagar, 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, Patna 800
16 Patna 001. Bihar, Jharkhand
Tel.: 0612-2547068
Email: bimalokpal.patna@cioins.co.in
Office of the Insurance Ombudsman, Jeevan
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

Tata AIG General Insurance Company Limited

Grievance Redressal Procedure:

As per Regulation 17 of IRDA of India (Protection of Policy holders Interests) Regulation. 2017.

Disclaimer: INSURANCE ACT 1938 Section 41 Prohibition of Rebates

1) No person shall allow or offer to allow, either directly or indirectly, as an inducement to any person to take
out or renew or continue an insurance in respect of any kind of risk relating to lives or property in India, any
rebate of the whole or part of the commission payable or any rebate of the premium shown on the policy,
nor shall any person taking out or renewing or continuing a policy accept any rebate, except such rebate as
may be allowed in accordance with the published prospectus or tables of the Insurer.

2) Any person making default in complying with the provisions of this section shall be punished with a fine
which may extend to ten lakhs rupees.

“Insurance is the subject matter of the solicitation”. Please refer sales brochure/ policy wordings carefully, before
concluding a sale.

“Commencement of risk cover under the policy is subject to receipt of payable premium by Tata AIG General
Insurance Company Limited.“

Tata AIG General Insurance Company Limited

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Auto Secure - Standalone Own Damage Private Car Policy

AUTO SECURE – STANDALONE OWN

Tata AIG General Insurance Co. Ltd.

Tata AIG General Insurance Company Limited

(vii) by malicious act; (a) Consequential loss, depreciation, wear and

Tata AIG General Insurance Company Limited

4. The insured may authorise the repair of the vehicle

Tata AIG General Insurance Company Limited

2. Any claim arising out of any contractual liability; DEDUCTIBLE

(a) being used otherwise than in accordance with GENERAL CONDITIONS

Tata AIG General Insurance Company Limited

3) In case of theft or criminal act which may 3. Right to Inspect

Tata AIG General Insurance Company Limited

Cancellation premium retention grid: Act,1996.

% OF ANNUAL It is clearly agreed and understood that no

Exceeding 6 months 6. Contribution

Tata AIG General Insurance Company Limited

up fresh proposal form, consent of the transferor, No claim made or

Tata AIG General Insurance Company Limited

Tata AIG General Insurance Company Limited

of pro rata premium for the lay-up period in • Email - general.claims@tataaig.com

Return of premium or extension of policy 1. Your Contact Numbers

Tata AIG General Insurance Company Limited

E) Special Conditions It is hereby understood and agreed that ..... [hereinafter

Tata AIG General Insurance Company Limited

Tata AIG General Insurance Company Limited

Tata AIG General Insurance Company Limited

Tata AIG General Insurance Company Limited

Tata AIG General Insurance Company Limited

Tata AIG General Insurance Company Limited

shown on Your schedule at the time of renewal What is not Covered:

Tata AIG General Insurance Company Limited

Tata AIG General Insurance Company Limited

Deductible: “Own Damage” section of the policy. Our liability

Tata AIG General Insurance Company Limited

13. loss or damage arising out of modifications not What is covered

Tata AIG General Insurance Company Limited

In case of Break-down: Hotel Accommodation

Tata AIG General Insurance Company Limited

LIMITATIONS: - Get the prior approval before taking any

Tata AIG General Insurance Company Limited

Tata AIG General Insurance Company Limited

Tata AIG General Insurance Company Limited

Definitions: 11. Period of insurance - The period of time stated

Tata AIG General Insurance Company Limited

INSURANCE OMBUDSMAN CENTRES

Office of the Jurisdiction of Office Union

Office of the Insurance Ombudsman, Jeevan

Tata AIG General Insurance Company Limited

Office of the Jurisdiction of Office Union

Office of the Insurance Ombudsman, Fatima

Tata AIG General Insurance Company Limited

Office of the Jurisdiction of Office Union

Districts of Uttar Pradesh:

Tata AIG General Insurance Company Limited

Grievance Redressal Procedure:

Disclaimer: INSURANCE ACT 1938 Section 41 Prohibition of Rebates

Tata AIG General Insurance Company Limited

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