{"uin":"IRDAN103RP0001V01200708","name":"All Risks Policy Retail","url":"https://indiainsurances.com/policy/indusind-general-insurance/all-risks-policy-retail-irdan103rp0001v01200708","insurer":{"slug":"indusind-general-insurance","name":"IndusInd General Insurance Company Limited","url":"https://indiainsurances.com/insurer/indusind-general-insurance"},"line":"general","category":"other-general","category_name":"Other general insurance","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"This is a retail all-risks general insurance policy for property described in the Schedule against loss, destruction or damage by fire, burglary or housebreaking, theft, accident or misfortune from any fortuitous cause. Claims must be intimated immediately, and cancellation by the insured uses short-period premium retention rates.","analysis":{"state":"machine","analysed_at":"2026-10-20 05:27:54.084905+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"not-stated","value":null,"display":null,"note":"The wording refers to the period stated in the Schedule, but the Schedule is not provided in the clauses.","quote":null,"sources":[],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"The insured must immediately contact the Company and intimate the claim through its call center in writing at the relevant policy issuing office upon any event giving rise to a claim.","display":"Immediately upon any event giving rise to a claim","note":null,"quote":"Upon the happening of any event giving rise to a claim, The Insured shall immediately contact the Company and intimate the claim through its call center in writing at the relevant policy issuing office.","sources":[{"clause":null,"heading":"GENERAL CONDITIONS","page":2,"url":"https://indiainsurances.com/policy/indusind-general-insurance/all-risks-policy-retail-irdan103rp0001v01200708/document/9902#c-general-conditions"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["claim form","Name of the Insured","The Insured's contact details","Policy number","Date & Time of Loss","Location of loss","Nature of loss","Cause of loss","Whether Police authorities has been informed","Estimate of loss","books of accounts, receipts, documents relating to or containing entries relating to the loss"],"display":"Claim form; insured and policy details; date, time, location, nature and cause of loss; police intimation; estimate of loss; books, receipts and documents relating to the loss","note":null,"quote":"While intimating the claim, the Insured shall be required to furnish all the requisite information, such as: ... a) Name of the Insured ... b) The Insured's contact details ... c) Policy number ... d) Date & Time of Loss ... e) Location of loss ... f) Nature of loss ... g) Cause of loss ... h) Whether Police authorities has been informed I) Estimate of loss ... On receipt of all the required information along with the claim form, The Company shall appoint a surveyor ... The Insured shall on being required so to do by the Company produce all books of accounts, receipts, documents relating to or containing entries relating to the loss","sources":[{"clause":null,"heading":"GENERAL CONDITIONS","page":2,"url":"https://indiainsurances.com/policy/indusind-general-insurance/all-risks-policy-retail-irdan103rp0001v01200708/document/9902#c-general-conditions"},{"clause":null,"heading":"11. Right to Inspect","page":3,"url":"https://indiainsurances.com/policy/indusind-general-insurance/all-risks-policy-retail-irdan103rp0001v01200708/document/9902#c-11-right-to-inspect"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"quote-verified","value":"On receipt of the survey report or additional survey report, the Company must within 30 days offer settlement of the claim or reject the claim with reasons recorded in writing and communicated to the insured.","display":"Within 30 days from receipt of the survey report or additional survey report","note":null,"quote":"On receipt of the survey report or the additional survey report, as the case may be, the Company shall within a period of 30 days offer a settlement of the claim to the Insured. If the Company, for any reasons to be recorded in writing and communicated to the Insured, decides to reject a claim under the policy, it shall do so within a period of 30 days from the receipt of the survey report or the additional survey report, as the case may be.","sources":[{"clause":null,"heading":"GENERAL CONDITIONS","page":2,"url":"https://indiainsurances.com/policy/indusind-general-insurance/all-risks-policy-retail-irdan103rp0001v01200708/document/9902#c-general-conditions"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Damage caused by any process of cleaning, dyeing or bleaching, restoring, repairing, retouching or renovation or deterioration arising from wear and tear, inherent vice, warping or shrinkage, moth, vermin, rodents, insects or mildew, natural ageing or any other gradually operating cause.","Breakage, cracking, or scratching of crockery, glass, cameras, binoculars, lenses, sculpture, curios, picture, musical instrument, sports gear and similar articles of brittle or fragile nature, unless caused by fire or accident to the means of conveyance.","Loss of or damage caused by mechanical/electrical/electronic derangement//breakdown of any article unless specifically insured.","Loss or damage to money, securities, manuscript, deeds, bonds, Bills of Exchange, Promissory Notes, Stock or Share Certificate, stamp and travel ticket or Traveler cheques, business books or documents, unless specifically insured.","Physical loss or damage to insured property in transit under contract of affreightment, unless specifically covered under the Policy.","Theft from any car except car of fully enclosed saloon type having at the time all the doors, windows and other opening securely shut.","Loss destruction of or damage to articles of consumable nature.","Loss, damage or liability arising directly or indirectly from seepage, pollution or contamination, however such seepage, pollution or contamination may have been caused.","Loss of market or delay, no matter how occurring.","Unexplained shortage discovered at the time of taking inventory.","Infidelity of Officers and/or Employees of the Insured.","Loss or damage whether direct or indirect arising from War, War like operation, Act of Foreign Enemy, Hostilities (whether war be declared or not) Civil War, Rebellion, Insurrection, Civil commotion, Military or Usurped Power, Mutiny, Seizure, Capture, Confiscation, Arrests, Restraints and Detainment by the order of any government or any other authority.","Any loss or damage arising through delay, detention or confiscation by Customs or other authorities.","Any loss, destruction or damage to any property whatsoever or any loss or expenses whatsoever, resulting or arising therefrom or any consequential loss and any legal liability of whatsoever nature, directly or indirectly caused by or contributed to by or arising from ionizing radiation or contamination by radioactivity from any source whatsoever.","Consequential loss or legal liability of any kind."],"display":"Main exclusions include cleaning, dyeing, repairing and wear and tear; fragile articles; mechanical/electrical/electronic breakdown; money and securities unless insured; transit under contract of affreightment unless covered; theft from certain cars; consumables; seepage, pollution or contamination; loss of market or delay; unexplained inventory shortage; employee infidelity; war and government action; Customs delay, detention or confiscation; radioactivity or nuclear risks; consequential loss or legal liability.","note":null,"quote":"Damage caused by any process of cleaning, dyeing or bleaching, restoring, repairing, retouching or renovation or deterioration arising from wear and tear, inherent vice, warping or shrinkage, moth, vermin, rodents, insects or mildew, natural ageing or any other gradually operating cause. ... Breakage, cracking, or scratching of crockery, glass, cameras, binoculars, lenses, sculpture, curios, picture, musical instrument, sports gear and similar articles of brittle or fragile nature, unless caused by fire or accident to the means of conveyance. ... Loss of or damage caused by mechanical/electrical/electronic derangement//breakdown of any article unless specifically insured. ... Loss or damage to money, securities, manuscript, deeds, bonds, Bills of Exchange, Promissory Notes, Stock or Share Certificate, stamp and travel ticket or Traveler cheques, business books or documents, unless specifically insured. ... Physical loss or damage to insured property in transit under contract of affreightment, unless specifically covered under the Policy. ... Theft from any car except car of fully enclosed saloon type having at the time all the doors, windows and other opening securely shut. ... Loss destruction of or damage to articles of consumable nature. ... Loss, damage or liability arising directly or indirectly from seepage, pollution or contamination, however such seepage, pollution or contamination may have been caused. ... Loss of market or delay, no matter how occurring. ... Unexplained shortage discovered at the time of taking inventory. ... Infidelity of Officers and/or Employees of the Insured. ... Loss or damage whether direct or indirect arising from War, War like operation, Act of Foreign Enemy, Hostilities (whether war be declared or not) Civil War, Rebellion, Insurrection, Civil commotion, Military or Usurped Power, Mutiny, Seizure, Capture, Confiscation, Arrests, Restraints and Detainment by the order of any government or any other authority. ... Any loss or damage arising through delay, detention or confiscation by Customs or other authorities. ... Any loss, destruction or damage to any property whatsoever or any loss or expenses whatsoever, resulting or arising therefrom or any consequential loss and any legal liability of whatsoever nature, directly or indirectly caused by or contributed to by or arising from ionizing radiation or contamination by radioactivity from any source whatsoever. ... Consequential loss or legal liability of any kind.","sources":[{"clause":"1","heading":null,"page":1,"url":"https://indiainsurances.com/policy/indusind-general-insurance/all-risks-policy-retail-irdan103rp0001v01200708/document/9902#c-1"},{"clause":"2","heading":null,"page":1,"url":"https://indiainsurances.com/policy/indusind-general-insurance/all-risks-policy-retail-irdan103rp0001v01200708/document/9902#c-2"},{"clause":"3","heading":null,"page":1,"url":"https://indiainsurances.com/policy/indusind-general-insurance/all-risks-policy-retail-irdan103rp0001v01200708/document/9902#c-3"},{"clause":"5","heading":null,"page":1,"url":"https://indiainsurances.com/policy/indusind-general-insurance/all-risks-policy-retail-irdan103rp0001v01200708/document/9902#c-5"},{"clause":"6","heading":null,"page":1,"url":"https://indiainsurances.com/policy/indusind-general-insurance/all-risks-policy-retail-irdan103rp0001v01200708/document/9902#c-6"},{"clause":"8","heading":null,"page":1,"url":"https://indiainsurances.com/policy/indusind-general-insurance/all-risks-policy-retail-irdan103rp0001v01200708/document/9902#c-8"},{"clause":"9","heading":null,"page":1,"url":"https://indiainsurances.com/policy/indusind-general-insurance/all-risks-policy-retail-irdan103rp0001v01200708/document/9902#c-9"},{"clause":"10","heading":null,"page":1,"url":"https://indiainsurances.com/policy/indusind-general-insurance/all-risks-policy-retail-irdan103rp0001v01200708/document/9902#c-10"},{"clause":"11","heading":null,"page":1,"url":"https://indiainsurances.com/policy/indusind-general-insurance/all-risks-policy-retail-irdan103rp0001v01200708/document/9902#c-11"},{"clause":"12","heading":null,"page":1,"url":"https://indiainsurances.com/policy/indusind-general-insurance/all-risks-policy-retail-irdan103rp0001v01200708/document/9902#c-12"},{"clause":"13","heading":null,"page":1,"url":"https://indiainsurances.com/policy/indusind-general-insurance/all-risks-policy-retail-irdan103rp0001v01200708/document/9902#c-13"},{"clause":"14","heading":null,"page":1,"url":"https://indiainsurances.com/policy/indusind-general-insurance/all-risks-policy-retail-irdan103rp0001v01200708/document/9902#c-14"},{"clause":"15","heading":null,"page":1,"url":"https://indiainsurances.com/policy/indusind-general-insurance/all-risks-policy-retail-irdan103rp0001v01200708/document/9902#c-15"},{"clause":"17","heading":null,"page":1,"url":"https://indiainsurances.com/policy/indusind-general-insurance/all-risks-policy-retail-irdan103rp0001v01200708/document/9902#c-17"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"The policyholder may first contact the Company with grievance details through the website, e-mail, telephone, post/courier or branch office. If not satisfied with the Company's redressal, the policyholder may approach the nearest Insurance Ombudsman.","display":"First contact the Company through website, e-mail, telephone, post/courier or branch office; then Insurance Ombudsman if not satisfied","note":null,"quote":"If the Policyholder has a grievance that the Policyholder wishes the Company to redress, the Policyholder may contact the Company with the details of his grievance through: ... Website | https://www.indusindinsurance.com ... e-mail | services@indusindinsurance.com ... Telephone | 022 4890 3009 (paid) ... Post/Courier | Any branch office, the correspondence address, during normal business hours ... If the Policyholder is not satisfied with the Company's redressal of the Policyholder's grievance through one of the above methods, the Policyholder may approach the nearest Insurance Ombudsman for resolution of the grievance.","sources":[{"clause":"23","heading":"Grievances","page":5,"url":"https://indiainsurances.com/policy/indusind-general-insurance/all-risks-policy-retail-irdan103rp0001v01200708/document/9902#c-23"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"perils","label":"What is covered","section":"Cover","meaning":"The events or risks covered.","status":"quote-verified","value":["fire","burglary and/or housebreaking","theft","accident","misfortune from any fortuitous cause"],"display":"Fire, burglary and/or housebreaking, theft, accident, or misfortune from any fortuitous cause","note":null,"quote":"if the property hereinafter described or any part thereof be lost, destroyed or damaged by fire, burglary and/or housebreaking or theft or accident or misfortune from any fortuitous cause","sources":[{"clause":null,"heading":"SCOPE OF COVER","page":1,"url":"https://indiainsurances.com/policy/indusind-general-insurance/all-risks-policy-retail-irdan103rp0001v01200708/document/9902#c-scope-of-cover"}],"law":[]},{"key":"deductible","label":"Deductible or excess","section":"Limits and co-pay","meaning":"Amount of each claim you bear.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"If the insured terminates the policy, the Company retains premium at short period rates for the time the policy has been in force: 10% for up to 15 days, 15% for up to 1 month, 25% for up to 2 months, 30% for up to 3 months, 35% for up to 4 months, 40% for up to 5 months, 50% for up to 6 months, 60% for up to 7 months, 70% for up to 8 months, 80% for up to 9 months, and full annual premium if exceeding 9 months.","display":"Refund is after short-period retention: 10% up to 15 days; 15% up to 1 month; 25% up to 2 months; 30% up to 3 months; 35% up to 4 months; 40% up to 5 months; 50% up to 6 months; 60% up to 7 months; 70% up to 8 months; 80% up to 9 months; full annual premium after 9 months","note":null,"quote":"This insurance may be terminated at any time at the request of the Insured, in which case the Company will retain the premium at the short period rates (Given in the table below) for the time the Policy has been in force. ... 15 days | 10% ... 1 Month | 15% ... 2 Months | 25% ... 3 Months | 30% ... 4 Months | 35% ... 5 Months | 40% ... 6 Months | 50% ... 7 Months | 60% ... 8 Months | 70% ... 9 Months | 80% ... Exceeding 9 Months | Full Annual Premium.","sources":[{"clause":null,"heading":"16. Cancellation/Termination","page":4,"url":"https://indiainsurances.com/policy/indusind-general-insurance/all-risks-policy-retail-irdan103rp0001v01200708/document/9902#c-16-cancellation-termination"},{"clause":null,"heading":"Table of Short Period Scales","page":4,"url":"https://indiainsurances.com/policy/indusind-general-insurance/all-risks-policy-retail-irdan103rp0001v01200708/document/9902#c-table-of-short-period-scales"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"subject_covered","label":"What is insured","section":"Cover","meaning":"The thing or risk this policy covers.","status":"quote-verified","value":"The policy insures the property described in the Schedule, or any part of it, against being lost, destroyed or damaged.","display":"Property described in the Schedule","note":"Specific insured property items are in the Schedule, which is not provided in the clauses.","quote":"if the property hereinafter described or any part thereof be lost, destroyed or damaged","sources":[{"clause":null,"heading":"SCOPE OF COVER","page":1,"url":"https://indiainsurances.com/policy/indusind-general-insurance/all-risks-policy-retail-irdan103rp0001v01200708/document/9902#c-scope-of-cover"}],"law":[]}],"documents":[{"kind":"wording","label":"All Risks Policy PW Retail","pages":7,"fetched_at":"2026-10-17 19:53:51+00","source_url":"https://www.indusindinsurance.com/downloads/all-risks-policy-pw-retail","url":"https://indiainsurances.com/policy/indusind-general-insurance/all-risks-policy-retail-irdan103rp0001v01200708/document/9902"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"IndusInd General Insurance official website","url":"https://www.indusindinsurance.com/","note":"Buy directly from the insurer."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"insurer","name":"Car insurance claim","url":"https://www.indusindinsurance.com/car-insurance-claim","note":null},{"purpose":"claim","kind":"insurer","name":"Health insurance claims","url":"https://www.indusindinsurance.com/health-insurance-claims","note":null},{"purpose":"claim","kind":"insurer","name":"Travel insurance claim","url":"https://www.indusindinsurance.com/travel-insurance-claim","note":null},{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"insurer","name":"Grievance redressal","url":"https://www.indusindinsurance.com/about-us/grievance-redressal","note":null},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: 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, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"renew","kind":"insurer","name":"Renew car insurance","url":"https://www.indusindinsurance.com/car-insurance/renew-car-insurance","note":null},{"purpose":"renew","kind":"insurer","name":"Renew health insurance","url":"https://www.indusindinsurance.com/health-insurance/health-insurance-renewal","note":null}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"All Risks Policy Retail (UIN IRDAN103RP0001V01200708), IndiaInsurances, https://indiainsurances.com/policy/indusind-general-insurance/all-risks-policy-retail-irdan103rp0001v01200708"}