{"uin":"IRDAN106P0001V01201516","name":"Crime Insurance Policy","url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/crime-insurance-policy-irdan106p0001v01201516","insurer":{"slug":"iffco-tokio-general-insurance","name":"IFFCO TOKIO General Insurance Company Limited","url":"https://indiainsurances.com/insurer/iffco-tokio-general-insurance"},"line":"general","category":"other-general","category_name":"Other general insurance","irdai_type":null,"kind":"product","status":"active","approved_on":"2015-12-23","withdrawn_on":null,"summary":"Crime Insurance Policy indemnifies the insured for direct financial losses first discovered during the policy period by reason of internal fraud or external fraud, and for defence costs. External fraud includes in transit theft, on premises theft, forgery of instruments, counterfeiting, funds transfer fraud and computer fraud.","analysis":{"state":"machine","analysed_at":"2026-10-20 02:41:17.734499+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 points to inception and expiration dates in the Schedule, but the schedule dates or a fixed term are not provided.","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":"Upon Discovery of a Loss or potential Loss, written notice must be given as soon as practicable within the Policy Period. If that was not practicable, written notice no later than 30 days of the Expiry Date of the Policy Period is deemed given during the Policy Period.","display":"As soon as practicable within the Policy Period; if not practicable, no later than 30 days of the Expiry Date","note":null,"quote":"Upon Discovery of a Loss or potential Loss the Insured shall ... a) as soon as practicable within the Policy Period give written notice to the Insurer through the entity and address stated in the SCHEDULE. However, in the event that it has not been practicable for the Insured to give such notice during the Policy Period, then written notice given no later than 30 days of the Expiry Date of the Policy Period shall be deemed to have been given during the Policy Period;","sources":[{"clause":"4.9","heading":"NOTIFICATION AND PROOF OF LOSS","page":16,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/crime-insurance-policy-irdan106p0001v01201516/document/8728#c-4-9"},{"clause":"4.9(a)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/crime-insurance-policy-irdan106p0001v01201516/document/8728#c-4-9-a"}],"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":["written proof of Loss to the Insurer with full particulars of the Loss","the identity of the person responsible for the Loss","the specific dishonest or fraudulent acts involved in each transaction or item constituting such Loss","where applicable, the improper personal financial gain obtained by any Employee for each Credit Arrangement or Trading","the demonstration of a causal link between such dishonest or fraudulent acts and the resultant Loss","the demonstration that, had the Negotiable Instruments, Certificated Securities or Money in question been genuine and not been Forged or Counterfeit or had not borne Alteration, the Insured would not have sustained the Loss claimed","the demonstration that such Loss directly and exclusively resulted from the insured peril","all pertinent records including audit records of its accountants"],"display":"Written proof of Loss with full particulars, specified fraud/loss details and pertinent records if requested","note":"Written proof of Loss is due within six (6) months after Discovery, unless the Insurer agrees to a further period in writing; records are to be provided upon request.","quote":"within six (6) months after Discovery, or within such further period as agreed to in writing by the Insurer, furnish written proof of Loss to the Insurer with full particulars of the Loss by specifying or establishing the following elements: ... i) the identity of the person responsible for the Loss; ... ii) the specific dishonest or fraudulent acts involved in each transaction or item constituting such Loss; ... iii) where applicable, the improper personal financial gain obtained by any Employee for each Credit Arrangement or Trading; ... iv) the demonstration of a causal link between such dishonest or fraudulent acts and the resultant Loss; ... the demonstration that, had the Negotiable Instruments, Certificated Securities or Money in question been genuine and not been Forged or Counterfeit or had not borne Alteration, the Insured would not have sustained the Loss claimed; ... the demonstration that such Loss directly and exclusively resulted from the insured peril ... provide for examination of all pertinent records including audit records of its accountants","sources":[{"clause":"4.9(b)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/crime-insurance-policy-irdan106p0001v01201516/document/8728#c-4-9-b"},{"clause":"4.9(b)(i)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/crime-insurance-policy-irdan106p0001v01201516/document/8728#c-4-9-b-i"},{"clause":"4.9(b)(ii)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/crime-insurance-policy-irdan106p0001v01201516/document/8728#c-4-9-b-ii"},{"clause":"4.9(b)(iii)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/crime-insurance-policy-irdan106p0001v01201516/document/8728#c-4-9-b-iii"},{"clause":"4.9(b)(iv)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/crime-insurance-policy-irdan106p0001v01201516/document/8728#c-4-9-b-iv"},{"clause":"4.10","heading":"COOPERATION","page":17,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/crime-insurance-policy-irdan106p0001v01201516/document/8728#c-4-10"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":["EMPLOYEE ACTS","KNOWN PRIOR FRAUD","NEGLIGENT ACTS OR OMISSIONS","DIRECTORS OR PARTNERS","MAJOR SHAREHOLDER","CONSEQUENTIAL LOSS","RADIATION AND POLLUTION","WAR AND TERRORISM","PRIOR AND SUBSEQUENT ACTS","NON-PAYMENT OR DEFAULT","PROFIT AND LOSS OR INVENTORY RECORDS","FIRE AND NATURAL CATASTROPHES","CONFIDENTIAL INFORMATION","FINES AND PENALTIES","EXTORTION OR KIDNAP AND RANSOM"],"display":"Employee acts; known prior fraud; negligent acts or omissions; directors or partners; major shareholder; consequential loss; radiation and pollution; war and terrorism; prior and subsequent acts; non-payment or default; profit and loss or inventory records; fire and natural catastrophes; confidential information; fines and penalties; extortion or kidnap and ransom","note":null,"quote":"The Insurer shall not be liable to make any payment arising from or relating to any of the following: ... 3.1 EMPLOYEE ACTS ... 3.2 KNOWN PRIOR FRAUD ... 3.3 NEGLIGENT ACTS OR OMISSIONS ... 3.4 DIRECTORS OR PARTNERS ... 3.5 MAJOR SHAREHOLDER ... 3.6 CONSEQUENTIAL LOSS ... 3.7 RADIATION AND POLLUTION ... 3.8 WAR AND TERRORISM ... 3.9 PRIOR AND SUBSEQUENT ACTS ... 3.10 NON-PAYMENT OR DEFAULT ... 3.11 PROFIT AND LOSS OR INVENTORY RECORDS ... 3.12 FIRE AND NATURAL CATASTROPHES ... 3.14 CONFIDENTIAL INFORMATION ... 3.15 FINES AND PENALTIES ... 3.16 EXTORTION OR KIDNAP AND RANSOM","sources":[{"clause":"3","heading":"EXCLUSIONS","page":8,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/crime-insurance-policy-irdan106p0001v01201516/document/8728#c-3"},{"clause":"3.1","heading":"EMPLOYEE ACTS","page":8,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/crime-insurance-policy-irdan106p0001v01201516/document/8728#c-3-1"},{"clause":"3.2","heading":"KNOWN PRIOR FRAUD","page":8,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/crime-insurance-policy-irdan106p0001v01201516/document/8728#c-3-2"},{"clause":"3.3","heading":"NEGLIGENT ACTS OR OMISSIONS","page":8,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/crime-insurance-policy-irdan106p0001v01201516/document/8728#c-3-3"},{"clause":"3.4","heading":"DIRECTORS OR PARTNERS","page":9,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/crime-insurance-policy-irdan106p0001v01201516/document/8728#c-3-4"},{"clause":"3.5","heading":"MAJOR SHAREHOLDER","page":9,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/crime-insurance-policy-irdan106p0001v01201516/document/8728#c-3-5"},{"clause":"3.6","heading":"CONSEQUENTIAL LOSS","page":9,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/crime-insurance-policy-irdan106p0001v01201516/document/8728#c-3-6"},{"clause":"3.7","heading":"RADIATION AND POLLUTION","page":9,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/crime-insurance-policy-irdan106p0001v01201516/document/8728#c-3-7"},{"clause":"3.8","heading":"WAR AND TERRORISM","page":9,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/crime-insurance-policy-irdan106p0001v01201516/document/8728#c-3-8"},{"clause":"3.9","heading":"PRIOR AND SUBSEQUENT ACTS","page":9,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/crime-insurance-policy-irdan106p0001v01201516/document/8728#c-3-9"},{"clause":"3.10","heading":"NON-PAYMENT OR DEFAULT","page":10,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/crime-insurance-policy-irdan106p0001v01201516/document/8728#c-3-10"},{"clause":"3.11","heading":"PROFIT AND LOSS OR INVENTORY RECORDS","page":10,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/crime-insurance-policy-irdan106p0001v01201516/document/8728#c-3-11"},{"clause":"3.12","heading":"FIRE AND NATURAL CATASTROPHES","page":10,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/crime-insurance-policy-irdan106p0001v01201516/document/8728#c-3-12"},{"clause":"3.14","heading":"CONFIDENTIAL INFORMATION","page":10,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/crime-insurance-policy-irdan106p0001v01201516/document/8728#c-3-14"},{"clause":"3.15","heading":"FINES AND PENALTIES","page":10,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/crime-insurance-policy-irdan106p0001v01201516/document/8728#c-3-15"},{"clause":"3.16","heading":"EXTORTION OR KIDNAP AND RANSOM","page":10,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/crime-insurance-policy-irdan106p0001v01201516/document/8728#c-3-16"}],"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":"If the Policyholder is not satisfied, contact The Compliance Officer, IFFCO TOKIO GIC LTD, IFFCO Tower, Plot no.3 Sector-29, Gurgaon, Haryana INDIA. If the company is unable to resolve the difficulty directly to satisfaction, the dispute may be referred to the Insurance Ombudsman.","display":"Contact The Compliance Officer, IFFCO TOKIO GIC LTD, IFFCO Tower, Plot no.3 Sector-29, Gurgaon, Haryana INDIA; then Insurance Ombudsman if unresolved","note":null,"quote":"Should the Policyholder not be satisfied, please contact as follows: The Compliance Officer, IFFCO TOKIO GIC LTD IFFCO Tower, Plot no.3 Sector-29, Gurgaon, Haryana INDIA Should IFFCO TOKIO GIC LTD be unable to resolve any difficulty directly with you, to your satisfaction, then you may be entitled to refer the dispute to the Insurance Ombudsman","sources":[{"clause":"4.22","heading":"COMPLAINTS PROCEDURE","page":20,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/crime-insurance-policy-irdan106p0001v01201516/document/8728#c-4-22"}],"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":["Internal Fraud","In Transit Theft","On Premises Theft","Forgery of Instruments","Counterfeiting","Funds Transfer Fraud","Computer Fraud","Defence Costs"],"display":"Internal Fraud; External Fraud comprising In Transit Theft, On Premises Theft, Forgery of Instruments, Counterfeiting, Funds Transfer Fraud and Computer Fraud; Defence Costs","note":null,"quote":"Loss(es) first Discovered during the Policy Period and notified in accordance with section 4.9 of this Policy, provided such Loss was sustained by the Insured after the Retroactive Date, by reason of:\na) Internal Fraud; or\nb) External Fraud, and ... Defence Costs. ... External Fraud means a criminal or fraudulent act committed by a Third Party consisting of:\na) In Transit Theft;\nb) On Premises Theft;\nc) Forgery of Instruments;\nd) Counterfeiting;\ne) Funds Transfer Fraud; or\nf) Computer Fraud.","sources":[{"clause":"1.1","heading":null,"page":1,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/crime-insurance-policy-irdan106p0001v01201516/document/8728#c-1-1"},{"clause":"1.2","heading":null,"page":1,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/crime-insurance-policy-irdan106p0001v01201516/document/8728#c-1-2"},{"clause":"2.13","heading":"External Fraud","page":4,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/crime-insurance-policy-irdan106p0001v01201516/document/8728#c-2-13"}],"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":"The wording says the insurer pays in excess of deductible amount(s) set forth in Item 5(b) of the Schedule, but the Schedule amount is not provided.","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 Policyholder terminates the policy by written notice, the Insurer refunds unearned premium computed at customary short-rate of the premium.","display":"Unearned premium computed at customary short-rate if cancelled by the Policyholder","note":null,"quote":"h) Immediately upon receipt by the Insurer of a written notice from the Policyholder of its decision to terminate this Policy. ... The Insurer shall refund any unearned premium computed at customary short-rate of the Premium set forth in ITEM 7 of the SCHEDULE if cancelled by the Policyholder as provided in paragraph (h) of this GENERAL CONDITION","sources":[{"clause":"4.8","heading":"TERMINATION AND CANCELLATION PROVISIONS","page":15,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/crime-insurance-policy-irdan106p0001v01201516/document/8728#c-4-8"}],"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 indemnifies the Insured for direct financial loss sustained by reason of Internal Fraud or External Fraud, if first discovered during the Policy Period and notified as required. It also covers Defence Costs.","display":"Direct financial loss from Internal Fraud or External Fraud, plus Defence Costs","note":null,"quote":"the Insurer will indemnify the Insured for: ... Loss(es) first Discovered during the Policy Period and notified in accordance with section 4.9 of this Policy, provided such Loss was sustained by the Insured after the Retroactive Date, by reason of:\na) Internal Fraud; or\nb) External Fraud, and ... Defence Costs. ... Loss means any direct financial loss sustained by the Insured as a result of any single or series of dishonest or fraudulent acts amounting to Internal Fraud or External Fraud as defined herein.","sources":[{"clause":null,"heading":"INSURING AGREEMENTS","page":1,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/crime-insurance-policy-irdan106p0001v01201516/document/8728#c-insuring-agreements"},{"clause":"1.1","heading":null,"page":1,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/crime-insurance-policy-irdan106p0001v01201516/document/8728#c-1-1"},{"clause":"1.2","heading":null,"page":1,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/crime-insurance-policy-irdan106p0001v01201516/document/8728#c-1-2"},{"clause":"2.22","heading":"Loss","page":6,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/crime-insurance-policy-irdan106p0001v01201516/document/8728#c-2-22"}],"law":[]}],"documents":[{"kind":"wording","label":"Crime Insurance Policy","pages":21,"fetched_at":"2026-10-17 19:47:44+00","source_url":"https://www.iffcotokio.co.in/content/dam/iffcotokio/policy-wordings/business/crime-insurance.pdf","url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/crime-insurance-policy-irdan106p0001v01201516/document/8728"},{"kind":"wording","label":"Crime Insurance (IRDAI copy)","pages":21,"fetched_at":"2026-10-20 01:22:38+00","source_url":"https://irdai.gov.in/documents/37343/993134/32_GEN974.pdf/fa4cfe34-6b58-8227-b0ab-3bbb91f028fe?version=1.1&t=1668251143906&download=true","url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/crime-insurance-policy-irdan106p0001v01201516/document/26508"}],"versions":[{"uin":"ITG-LI-P16-57-V01-15-16","version":null,"approved_on":null},{"uin":"IRDAN106P0001V01201516","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"IFFCO TOKIO General Insurance official website","url":"https://www.iffcotokio.co.in/","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":"Claims","url":"https://www.iffcotokio.co.in/claims","note":null},{"purpose":"claim","kind":"insurer","name":"Register a claim","url":"https://www.iffcotokio.co.in/claims/register-a-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.iffcotokio.co.in/contact-us/customer-services/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 policy","url":"https://www.iffcotokio.co.in/renew-policy","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":"Crime Insurance Policy (UIN IRDAN106P0001V01201516), IndiaInsurances, https://indiainsurances.com/policy/iffco-tokio-general-insurance/crime-insurance-policy-irdan106p0001v01201516"}