Tata General Insurance Company Limited. Bank of Baroda distributes the product as an insurance corporate-agent channel
the insurance contract is with Tata .
Compulsory owner-driver personal accident cover has a maximum capital sum insured of ₹15 lakh. Compensation is 100% for death, loss of two limbs or sight of two eyes or one limb and sight of one eye, 50% for loss of one limb or sight of one eye, and 100% for other permanent total disablement.
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The exact insurance period is the period stated in the policy schedule. One policy year is 12 consecutive months
renewal terms, benefits and premium rates may change with the insurer's consent. Add-on coverage applies only for the period and limits shown in the schedule.
Purchase premium is quote- and schedule-specific. If the insured cancels without a claim, the policy uses the published short-period retention grid and retains at least ₹100, or ₹25 for specially designed/modified vehicles for blind, handicapped or mentally challenged persons. The grid retains 20% for up to one month, 30%up to two months, 40%up to three months, 50%up to four months, 60%up to five months, 70%up to six months, 80%up to seven months, 90%up to eight months and the full annual rate after eight months.
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The Tata package covers accidental, fire, theft, riot/strike, natural-calamity, terrorist/malicious-act, landslide/rockslide and transit loss or damage to the insured vehicle, plus third-party bodily-injury/death liability and up to ₹7.50 lakh third-party property-damage compensation.
Base exclusions include loss outside the geographical area, contractual liability, unauthorised use or driver, consequential loss, nuclear risks and war/hostilities. The wording also excludes wear and tear, mechanical/electrical breakdown, certain tyre-only losses, intoxication-related incidents, invalid or unauthorised repairs and add-on-specific losses. Optional covers have additional conditions such as valid own-damage claims, authorised garages, police reports, schedule limits and manufacturer-warranty exclusions.
Tata General Insurance Company Limited. Bank of Baroda distributes the policy as an insurance corporate-agent channel
the insurance contract is between Tata and the insured.
The Insured's Declared Value () is the vehicle's own-damage sum insured and is fixed at the start of each period of insurance or policy year. Standard owner-driver personal-accident cover is capped at ₹15,00,000 per period of insurance
third-party property, bodily-injury and death liability follows the policy schedule and applicable law. A vehicle is treated as constructive total loss when retrieval and/or repair cost exceeds 75% of .
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The period of insurance is the period stated in the policy schedule. A policy year is 12 consecutive months
a schedule may cover more than one policy year, and the issued schedule controls the actual duration and premium.
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The policy offers mandatory liability-only cover for third-party property damage, bodily injury and death, plus owner-driver personal accident cover, and a comprehensive package covering own damage, third-party liability and owner-driver accidental death or permanent/temporary disablement.
Base exclusions include losses outside the geographical area, contractual liability, use outside the policy limitations or by an unauthorised driver, consequential loss, nuclear contamination or weapons, war and hostilities, wear and tear, mechanical or electrical breakdown, specified tyre/tube losses, accessory theft unless the vehicle is stolen with it, intoxicated driving and depreciation unless an applicable add-on responds. Add-ons have further conditions: Return to Invoice requires a valid total-loss/theft claim, final investigation report and a non-imported vehicle
consumables require an admissible own-damage claim and authorised garage
medical expenses exclude pre-existing or unrelated sickness, physiotherapy, psychosomatic disorders, unsupported bills and treatment started after 5 days
roadside assistance excludes maintenance and listed force-majeure or unsafe situations
Engine Secure and Tyre/Rim Secure contain warranty, maintenance, neglect, tread and misuse exclusions.
The policy is for enterprises whose total value at risk across all insurable asset classes at one location does not exceed ₹5 crore at policy commencement. The maximum amount payable under the policy is the total sum insured stated in the policy schedule
each cover or item has its own scheduled sum insured.
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An annual policy can be issued after a short-period policy completes
the official says a short-period extension is not possible. The exact inception and expiry dates remain those shown in the policy schedule.
The premium amount and applicable taxes are shown in the policy schedule for the selected covers and policy period
the prospectus does not publish a universal purchase premium or tariff. Premium must be paid in full for the policy to commence.
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Standard cover protects buildings/structures, plant and machinery, stock and other business assets against the listed insured events. Built-in covers include additions/alterations up to 15% of the item sum insured (excluding stocks), temporary stock removal up to 10% of value, money up to ₹50,000, documents/securities up to ₹50,000, computer programmes/information/data up to ₹5 lakh, personal effects up to ₹15,000 per person for up to 20 people, start-up expenses up to ₹1 lakh, professional fees up to 5% of the claim, debris removal up to 2% of the claim and municipal-regulation reconstruction costs.
The prospectus excludes, among other listed items, wear/tear and gradual deterioration, defective design or workmanship, war and nuclear risks, pollution/contamination (subject to the stated insured-event exception), missing or mislaid property, bullion/unset precious stones unless separately declared, consequential or indirect loss, marine-policy-covered loss (except excess), and claim-preparation costs. The policy wording controls the complete list.
Liability is limited to the sum insured stated against each item or the total sum insured in the policy schedule. Cover indemnifies the intrinsic value of property at the insured business premises and damage to the premises caused by burglary or house-breaking
first-loss arrangements must be stated in the schedule.
The policy is written for an insured business premises and the insured named in the policy schedule
the reviewed page and both policy wordings publish no customer-age threshold. Business property, stock, plant and machinery and other scheduled items must be declared and reasonably protected.
Cover runs during the period stated in the policy schedule, including any renewal or extension accepted by the insurer. The wordings do not print one universal duration
the insured or insurer may cancel with 7 days' written notice subject to the stated refund/short-period rules.
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Stock, plant and machinery, cash and other contents
burglary, theft and housebreaking
riot, strike, malicious damage and terrorism may be added for extra premium
The National Insurance wording excludes valuables, money and securities unless specifically insured
losses involving an employee, household member or lawful person in the premises
losses recoverable under another policy
riot, strike, terrorism, earthquake, flood, storm and cyclone unless covered
war and nuclear risks
consequential loss or legal liability
and money taken from a safe using its key unless the key was obtained by assault or violence. Cover ceases while premises are uninhabited for seven or more consecutive days or risk is materially increased without insurer consent.
Cholamandalam MS General Insurance Company Limited
Compulsory personal-accident cover compensates up to ₹15 lakh for accidental death or disability of the registered owner-driver while driving or getting into or out of the insured vehicle, provided the owner holds an effective driving licence.
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Motor insurance policies are annual policies renewed after twelve months
with approval of the competent authority, the policy period may be longer or shorter than twelve months.
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The lists comprehensive own-damage and third-party policies, add-ons for an additional premium with unlimited claims, online photo-based insurance for uninsured vehicles, nationwide roadside assistance, customisable cover and live video vehicle surveys.
For third-party cover, claims are subject to the accident not being deliberate and the driver not being under the influence of alcohol or drugs. Own-damage and add-on exclusions remain subject to the selected policy wording and schedule.
The National Insurance House Holder policy can be issued to homeowners, flat tenants, housing societies, apartments, bungalows and row houses in rural, semi-urban and urban—including metro—cities. Sum insured should be 100% of value at risk (VAR).
The National Insurance House Holder policy can be issued to homeowners, flat tenants, housing societies, apartments, bungalows and row houses in rural, semi-urban and urban—including metro—cities. Sum insured should be 100% of value at risk (VAR).
The policy period is the period shown in the schedule
the personal-accident wording refers to the annual character of that section. The reviewed page and do not print one universal duration independent of the schedule.
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Covered for up to 120 days in aggregate and up to one-tenth of total contents sum insured
The policy excludes, among other things, loss caused by war and related hostilities, nuclear risks, deliberate or wilful acts, employee/family involvement in burglary, wear/tear and mechanical or electrical breakdown where the relevant section excludes it, use of pedal cycles for racing or hire/reward, theft of specified valuables and documents, and liability arising from the insured's profession/business or alterations to the premises.
Plans A1/A2 cover worldwide excluding /Canada and B1/B2 worldwide including /Canada. Medical/evacuation/repatriation cover is USD 50,000/250,000 for A1/A2 and USD 100,000/500,000 for B1/B2. Personal accident cover is USD 10,000 for A1 and USD 25,000 for A2/B1/B2.
Eligible travellers are citizens of India, Nepal or Bhutan travelling abroad for business or holiday, and foreign nationals working in India for Indian employers or multinationals paid in Indian rupees. Pre-existing disease is excluded
the first USD 100 of claims is borne by the traveller.
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The plans include checked-baggage loss USD 1,000, baggage delay USD 100, passport loss USD 150–250 and third-party bodily injury/property damage USD 200,000. Emergency dental relief is covered up to USD 225 per occurrence
baggage delay applies to outbound international flights delayed over 12 hours.
Pre-existing disease or illness
travel against medical advice or for treatment
military, naval or air-force operations
suicide or intentional self-injury
mental disorder, alcoholism, drug abuse or /-related illness
The package uses section-specific sums insured chosen in the policy schedule. The published stock-related section cover is up to 10% of stock sum insured for the stated benefit
no universal package total is printed.
Maximum sum insured for the fire/building-content section is ₹2 crore in the Highlights section
shops must have Class A construction. Restaurants, cafés and offices are not treated as shops. Pedal-cycle legal liability is covered up to ₹10,000, and money in transit is limited to 10% of stock sum insured under Section 1B.
Policy period is the period commencing on the inception date and ending at midnight on the expiry date shown in the schedule. The policy literature also defines a 30-day renewal grace period, during which continuity can be maintained after the premium due date
no single universal annual duration is printed.
Published section rates are ₹1.40 per mille for fire/allied perils, ₹1.00 per mille for burglary, ₹2.50 per mille for money insurance, ₹10.00 per mille for pedal cycle, plate glass and neon sign, ₹7.50 per mille for baggage, ₹4.00 per mille for fidelity guarantee, ₹0.50 per mille for public liability, ₹3.13 per mille for employees compensation, ₹1.75 per mille for business interruption and ₹0.08 per mille for terrorism
applicable taxes and policy terms apply.
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Up to 10% of stock sum insured
The page excludes loss caused by negligence or wilful act, depreciation or wear and tear, consequential loss, each section’s applicable excess, earthquake unless specifically included, terrorism unless specifically included, breach of law, war-group perils and radioactivity. The full policy wording and section-specific excesses control.
Four medical-cover limits are published for each destination option: USD 50,000, USD 1,00,000, USD 2,50,000 and USD 5,00,000. The selected plan also sets separate accident, baggage, passport, delay, cancellation and liability limits.
Any permanent resident of India above 6 months of age who is travelling abroad for work or leisure can take this overseas travel insurance.
The policy is issued for the insured overseas trip, with published trip-duration bands from up to 4 days through 148–180 days. An extension may be requested before expiry on payment of additional premium and a good-health declaration
up to two extensions are permitted, for a maximum total coverage period of 360 days.
Premium varies by destination, plan (USD 50,000/1,00,000/2,50,000/5,00,000), traveller age and trip duration. The current published tables quote premiums in rupees including 18% tax. Examples for up to 4 days: /Canada Plan A1 (USD 50,000) ₹535 for age 6 months–40 years, Plan B1 (USD 1,00,000) ₹668, Plan C1 (USD 2,50,000) ₹703 and Plan D1 (USD 5,00,000) ₹878
excluding /Canada, the corresponding examples are ₹307, ₹385, ₹459 and ₹805. The tables continue through 148–180 days and ages 6 months–70 years.
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Star Travel Protect covers overseas emergency medical expenses, medical evacuation, repatriation of mortal remains, accidental injury compensation, dental emergency after an accident, loss or delay of checked baggage, passport loss/replacement, trip cancellation, flight delay, missed departure or connection, emergency consumables and third-party legal liability.
Major exclusions include travelling against medical advice
treatment for a pre-existing condition
travelling to obtain medical treatment
winter sports or dry ski slopes
manual work
riot/civil commotion
war, terrorism and nuclear/radioactive events
racing, motor rallies, mountaineering, rafting/white-water, underwater activities, professional or organised sports and hazardous pursuits
suicide or wilful self-injury
mental disorder, venereal disease, alcoholism, drunkenness or non-prescribed drugs
criminal or illegal acts
/-related claims
pregnancy claims outside the stated timing condition
losses increased by the insured's act or omission
two-wheeler accidents where the driver is unqualified, unlicensed or riding a vehicle of 125 cc or more
property/land ownership, consequential loss, bankruptcy/liquidation, congenital anomalies and other policy-wording exclusions.
For own-damage and total-loss claims, the vehicle's Insured's Declared Value () is the sum insured. Third-party bodily injury/death liability is the amount required by the Motor Vehicles Act
third-party property damage is ₹1,00,000 for scooters/motorcycles (the schedule also allows ₹6,000 where applicable). Owner-driver personal-accident cover is up to ₹1,00,000 for one policy period.
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Available options include annual package, annual liability-only, 2/3-year package, 2/3-year liability-only, five-year liability-only and five-year package policies for new vehicles, plus bundled one-year own-damage with five-year liability for new vehicles purchased on or after 1 September 2018.
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Liability-only cover provides unlimited third-party death/injury liability and third-party property damage up to ₹1 lakh for scooters/motorcycles. Package cover additionally protects the insured vehicle and accessories against fire, explosion, self-ignition, lightning, burglary, housebreaking and theft.
Exclusions include consequential loss, depreciation, wear and tear, mechanical/electrical breakdown, tyre/tube damage unless the vehicle is damaged at the same time (then liability is limited to 50% of replacement cost), accessory theft without simultaneous vehicle theft, driving under the influence, use outside the geographical area or stated limitations, contractual liability, nuclear risks and war-related events.
Bank of India distributes the policy and does not underwrite the risk.
Property, contents and optional-item limits are selected in the property-specific schedule
no universal amount is published on the BOI summary page.
Eligibility is property- and proposer-specific
no separate customer age threshold is published on the reviewed page.
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The page describes affordable, property-specific premiums but publishes no universal premium amount.
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Fire, theft and natural calamities are covered. Fire and burglary cover must be selected together in Home Secure. Optional covers are available for appliances, jewellery and laptops
Bank of India distributes the policy and does not underwrite the risk.
Own-damage sum insured is the vehicle’s insured declared value () shown in the policy schedule
no universal or owner-driver capital-sum amount is published on the reviewed BOI summary.
No customer-age entry rule is published
eligibility is tied to the insured two-wheeler, owner/driver, registration and policy schedule.
The period of insurance is the period stated in the issued policy schedule
no universal duration is published on the reviewed BOI page.
Premium is quotation-specific and depends on vehicle details, , location, compulsory/higher deductibles and selected add-ons
no universal premium amount is published on the reviewed BOI page.
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Third-party bodily injury and property damage, legal liabilities, compulsory owner-driver personal accident, accidental damage, theft, natural disasters, man-made calamities, fire and explosion, and transit damage by road, rail, air or inland waterways.
The complete exclusions schedule is not reproduced on the BOI summary
consult the linked policy wording and prospectus for use restrictions, deductibles, wear/breakdown and other exclusions.
Bank of India distributes the policy and does not underwrite the risk.
Schedule limits vary by plan and option. Daily Commuters options publish accidental death//₹5 lakh/₹10 lakh/₹20 lakh and accidental hospitalisation ₹50,000/₹75,000/₹1,00,000. Business options publish accidental death//₹10 lakh or ₹25 lakh and hospitalisation ₹1,00,000 or ₹2,00,000. Vacations options publish accidental death//₹10 lakh/₹25 lakh or ₹20 lakh and hospitalisation ₹1,00,000 or ₹2,00,000.
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Daily Commuters: annual basis or 1, 3 or 6 months. Business: annual multi-trip (each trip up to 30 days) or single trip of 1–7 or 8–15 days. Vacations: annual multi-trip (each trip up to 30 days) or single trip of 1–7, 8–15, or 16–30 days.
Premium is plan-, option-, destination-, traveller- and trip-specific
no universal premium amount is published in the reviewed schedule.
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Home fire/allied-peril and burglary cover: Daily Commuters ₹2 lakh/₹3.5 lakh/₹5 lakh
Business and Vacations ₹2 lakh or ₹4 lakh. Business laptop cover ₹25,000/₹40,000/₹60,000
mobile ₹15,000/₹25,000/₹50,000
proof ₹800/₹1,200/₹2,000
sunglasses ₹1,000/₹1,500/₹2,500
credit-card cover ₹15,000/₹25,000/₹50,000. Vacations laptop/mobile//sunglasses/credit-card benefits are unavailable in options 1–2 and available at the published limits in options 3–4. Vacation trip cancellation is up to ₹1,00,000 or ₹1,50,000
curtailment up to ₹15,000/₹20,000/₹25,000
trip delay ₹7,500 or ₹10,000/₹12,500 with a 6-hour deductible
missed connections train up to ₹3,000/₹5,000 and flight up to ₹5,000/₹7,500
checked baggage up to ₹10,000 or ₹15,000 with item and 10%/20% rules.
The prospectus excludes, among other things, illness except for medical evacuation/repatriation
accidents at home
intentional self-injury or intoxication
crime/riot
non-passenger aviation
racing
pregnancy/childbirth
war, nuclear/radiation and terrorism-related events (subject to the wording’s victim exception)
hazardous activity and adventure sports except stated Vacation-plan accident/evacuation exceptions
medically unnecessary or experimental treatment
claims outside policy or maximum trip period
non-allopathic medicine
cosmetic/plastic surgery
and travel against medical advice or for military operations.
Generali Central Insurance Co Ltd, The New India Assurance Co Ltd and Bajaj General Insurance Limited.
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Property, motor, health (group and individual), personal, fire, burglary, engineering, package, travel, pet and cattle insurance are listed across Generali Central, New India Assurance and Bajaj General partners.
Universal Sompo General Insurance, United India Insurance (UIIC) and Cholamandalam MS General Insurance (Chola MS).
Vehicle insured-declared value and liability limits are quote- and policy-dependent
no numeric sum insured is printed on the platform page.
Not applicable as a person-age rule
the platform is for private two-wheelers and four-wheelers and underwriting is quote-dependent.
The platform page supports fresh registration, rollover and renewal journeys but does not publish a fixed policy-term number.
Live benefits illustrations and quote comparison are available from the channel partners
no premium amount is published on the platform page.
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Own-damage cover includes fire, explosion, self-ignition, lightning, burglary/theft, earthquake, flood, cyclone, accidental external means, terrorism, riot and strike, plus selected add-ons. Third-party liability covers accidental death or injury and damage to third-party property.
Published exclusions include ordinary ageing/wear and tear, mechanical or electrical breakdown, depreciation or consequential loss
driving without a valid licence or under alcohol/drugs
war, mutiny or nuclear risks
tyre/tube damage except when caused by an accident
specified equipment overturning
and theft of accessories unless the vehicle is also stolen.
Universal Sompo General Insurance, United India Insurance (UIIC), Chola MS General Insurance and Niva Bupa Health Insurance.
Policy-level sums insured and health limits are not published on the catalogue page
the selected product and insurer determine them.
No common entry-age rule is published
each insurer and policy sets eligibility.
No common policy-term range is published
term follows the selected product and insurer.
Premium amounts are not published
partner quotations and product terms determine the price.
No common waiting period is published
policy wording for the selected health or other product controls it.
Published product families include fire, motor, marine, shopkeepers, theft/burglary, fidelity guarantee, personal accident, overseas travel, household goods, group health, cyber, farmer care, loan-secure critical illness, accident, gold-loan customer and business-shield covers. Niva Bupa also lists My Health Secure, Sehat Suraksha, Group Criti Care and Super Top Up.
The published starting example is based on a ₹2 lakh sum insured for Identity Theft, Online Shopping, Theft of Funds, Social Media / Media Liability and Smart Home Cover
the policy schedule controls the selected limits.
Not published as a general age threshold
the policy wording defines family members, including dependent children up to age 18, but does not set an insured’s entry-age limit
1 year
₹3.15 per day for selected ₹2 lakh covers, before applicable discounts and taxes
No waiting period
↓
Selected personal cyber-loss and online-event covers
limits, deductibles and exclusions are defined by the policy wording
Illustrative exclusions include prior-known non-disclosure, intentional or reckless acts, employee/self-employed professional or business activity, tangible-property loss and consequential loss, and investment or trading activity.
Home building: the declared and accepted prevailing cost of construction at policy inception, shown in the schedule. Home contents: item/category replacement-cost values shown in the schedule. Annual policies escalate by 10% over the year
multi-year policies increase 10% each year, without extra premium, up to 200% of the inception sum insured.
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1 to 20 years.
Quote-based
no universal premium amount is published on the reviewed official page. The payable premium depends on the selected building/contents cover, optional covers and policy terms.
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Building and household-content protection through selected policy sections
insured values, perils and exclusions are policy-specific
The official page lists deliberate/wilful acts, war-like operations, ionising radiation, pollution/contamination, missing or mislaid property, consequential/indirect loss, bullion/unset precious stones/manuscripts/vehicles/explosives, reduced market value after repair/reinstatement and claim-preparation costs. The wording controls the full list.
Section A medical expenses including evacuation and repatriation: $50,000 to $500,000. Personal accident is 10% of the chosen Section A limit, capped at $25,000
travel support is $2,000 on a floater basis.
6 months to 70 years
for Indian residents taking bona fide overseas business or holiday trips, and foreign nationals working in India.
Single trip: 1–180 days and non-renewable. Multi trip: multiple trips within 1 year and renewable yearly.
General publishes a single-trip premium matrix by age band, geography, trip duration and Section A cover. Examples for $50,000 cover: ₹541 (age 6 months–40, worldwide excluding /Canada, 7 days)
₹707 (same age, worldwide, 7 days)
₹1,091 (age 61–70, worldwide, 7 days). The complete 13-page rate chart provides the selectable combinations.
Not applicable
Emergency medical expenses, evacuation and repatriation, personal accident, travel support, personal liability, cash advance, trip delay, loss of passport and home burglary
The lists pre-existing disease, travel against a physician's advice, unlicensed aircraft, specified hazardous or professional sports, certain two-wheeler accidents without the required licence/helmet and breach of law. The policy wording controls the complete exclusion list.
The issued policy schedule sets the commencement and expiry dates. General offers third-party liability-only, package/comprehensive and bundled options
the wording expressly covers policies with a term up to one year and policies with a term longer than one year, so the selected duration is shown on the schedule rather than fixed universally on the product page.
₹538+* in the page title
₹868 in the Key Features table. General does not reconcile the two starting figures on the reviewed page
the final premium depends on vehicle, RTO and selected cover.
No general waiting period is stated for the base two-wheeler package cover. Cover applies during the policy period shown in the schedule
individual add-ons can have their own conditions, such as a 15-day exclusion for certain tyre/rim damage cover and a maximum of two replacements in one annual period.
Third-party liability and own-damage/comprehensive options, with add-ons and exclusions controlled by the selected policy
Mechanical/electrical breakdown
alcohol or drug-impaired riding
normal wear and tear
inactive policy
unlawful activity such as racing
incidents outside the geographic boundaries
war
minor or unlicensed rider
insured-person injury/death while riding
and riding without a helmet. The policy wording controls the complete list.
Green marks the most favourable compatible published number or range in each column; incomparable units and overlapping range trade-offs remain neutral. It does not account for eligibility, service, exclusions or personal suitability.
Auto Secure Private Car Package Policy - TATA AIGBank of Baroda
Auto Secure Two-Wheeler Package Policy - TATA AIGBank of Baroda
Bharat Sookshma Udyam Suraksha PolicyBank of Baroda
Burglary InsuranceBank of Baroda
CholaMS Motor InsuranceBank of Baroda
House Holders Insurance Policy - National InsuranceBank of Baroda
Shopkeepers Insurance - National InsuranceBank of Baroda
Star Travel Protect Insurance PolicyBank of Baroda
Two Wheeler - National InsuranceBank of Baroda
SBI General Cyber VaultEdgeState Bank of India
SBI General Griha Raksha PlusState Bank of India
SBI General Travel Insurance — Business & HolidayState Bank of India
SBI General Two Wheeler InsuranceState Bank of India
