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Trust & safety

Indivio Policies

We believe in complete transparency. Our policies are designed to protect both riders and hosts, ensuring a premium, worry-free mobility experience in Varanasi.

Insurance Cover & Liability

Last Updated: July 2026

1. Comprehensive Cover Overview

All Indivio vehicles are covered by standard comprehensive commercial vehicle insurance. This policy includes:

  • Own Damage (OD) Cover: Protects the vehicle from losses caused by accidents, collisions, fires, thefts, and natural calamities.
  • Third-Party Liability: Covers legal liability for third-party property damage or bodily injuries arising from an accident involving the rental vehicle.

2. Customer Liability Cap

We value your peace of mind. Under our **Maximum Liability Cap** policy, your financial liability in the event of an accidental collision is capped at your **Security Deposit** amount, provided all of the following conditions are met:

Maximum Damage Liability:Limited to Security Deposit (₹3,000 - ₹5,000)

If an accident occurs, you are only liable to pay up to the security deposit amount towards repairs. Indivio's commercial insurance cover handles the remainder.

3. Exclusions & Voided Cover

The Liability Cap and Insurance Cover will be completely voided, and the customer will be held 100% liable for all repair expenses, towing charges, and commercial downtime if:

  • The vehicle was driven by someone who is not the verified booking guest.
  • The driver was under the influence of alcohol, drugs, or illegal substances.
  • The vehicle telemetry registers an over-speeding event exceeding **80 km/h** at the time of the collision.
  • The rider failed to notify Indivio customer support or file a Police FIR within 2 hours of the accident.
  • The vehicle was operated on prohibited terrains or used for racing/towing other vehicles.

4. Accident Reporting Procedure

In the event of any collision or damage:

  • Stop the vehicle safely and check for injuries. Call emergency services if required.
  • Take high-resolution photos and videos of the damage, license plates, and surrounding scene.
  • Immediately call Indivio Support at **+91 99999-99999** to report the incident.
  • Assist our team in obtaining a local police FIR if required for commercial claim filing.