{"uin":"IRDAN106P0004V01200203","name":"Trade Suvidha Policy","url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/trade-suvidha-policy-irdan106p0004v01200203","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":null,"withdrawn_on":null,"summary":"Trade Suvidha Policy is a package policy for traders with Category I to Category IV sum insured variants and sections for fire and allied perils, burglary, money, personal accident, fidelity guarantee and electronic equipment. The policy term is up to 12 calendar months, with India as the geographical limit except worldwide personal accident cover.","analysis":{"state":"machine","analysed_at":"2026-10-20 03:54:27.505323+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":"quote-verified","value":["Category I","Category II","Category III","Category IV"],"display":"Category I, Category II, Category III and Category IV","note":"These are sum insured categories.","quote":"It is a simple Policy wherein there are various categories of Sum Insured and you may opt for the category most suitable to you depending upon the extent of risk. ... No. | Category I | Category II | Category III | Category IV","sources":[{"clause":null,"heading":"Who can Apply for this Policy","page":2,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/trade-suvidha-policy-irdan106p0004v01200203/document/8731#c-who-can-apply-for-this-policy"},{"clause":"Section 1","heading":"Fire and Allied Perils ( Contents )","page":2,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/trade-suvidha-policy-irdan106p0004v01200203/document/8731#c-section-1"}],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"The maximum policy term is 12 calendar months.","display":"Maximum 12 (twelve) calendar months","note":null,"quote":"Policy term for this policy maximum shall be 12 (twelve) calendar months.","sources":[{"clause":null,"heading":"POLICY TERM","page":6,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/trade-suvidha-policy-irdan106p0004v01200203/document/8731#c-policy-term"}],"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":"An event that might become a claim must be reported as soon as possible. The written claim statement with supporting documents must be delivered within 15 days of Damage; for Personal Accident claims, immediate written notice must be given within 14 days of injury or death.","display":"As soon as possible; written claim documents within 15 days of Damage; Personal Accident notice within 14 days of injury/death","note":null,"quote":"An event, which might become a claim under the Policy, must be reported to Us as soon as possible. ... This written statement of claim alongwith supporting documentation (estimates, vouchers, invoices, proof, investigation reports and\nlike) prepared at Your expense along with particulars of other insurances covering the same risks must be delivered to Us within 15 days of date of Damage. ... In the event of a claim under Personal Accident Section, You or Your personal representative must give immediate written notice within 14(fourteen) days of occurrence of injury / death.","sources":[{"clause":"20(III)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/trade-suvidha-policy-irdan106p0004v01200203/document/8822#c-20-iii"}],"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 statement of the claim","Claim Form","supporting documentation (estimates, vouchers, invoices, proof, investigation reports and like)","particulars of other insurances covering the same risks","Police must be informed of any theft, attempted theft or damage caused by rioters, strikers, malicious persons or vandals or of any other criminal act","every letter, claim, writ, summon, process information or any verbal notice of claim","certificates, information and evidences from a Medical Attendant or otherwise required by Us"],"display":"Written statement, claim form, supporting documents, other-insurance particulars, police intimation for criminal acts, third-party claim papers, and medical certificates/evidence for Personal Accident claims","note":null,"quote":"A written statement of the claim will be required and a Claim Form will be provided. This written statement of claim alongwith supporting documentation (estimates, vouchers, invoices, proof, investigation reports and\nlike) prepared at Your expense along with particulars of other insurances covering the same risks must be delivered to Us within 15 days of date of Damage. ... The Police must be informed of any theft, attempted theft or damage caused by rioters, strikers, malicious persons or vandals or of any other criminal act. ... every letter, claim, writ, summon, process information or any verbal notice of claim shall be forwarded to Us without delay. ... All certificates, information and evidences from a Medical Attendant or otherwise required by Us shall be furnished by You or Your personal representative/assignee in the manner and form as we may prescribe.","sources":[{"clause":"20(III)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/trade-suvidha-policy-irdan106p0004v01200203/document/8822#c-20-iii"}],"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":"If the claim is admissible, the insurer will make an offer of settlement or convey rejection within 30 days of receiving all relevant documents and any investigation or assessment report. If admitted, claim proceeds are paid within 7 days of acceptance of the offer, with interest for delay at 2.0% above the bank rate.","display":"Offer or rejection within 30 days of all relevant documents and investigation/assessment report; payment within 7 days of acceptance; delay interest 2.0% above bank rate","note":null,"quote":"in the event of a claim, if the same is found admissible under the policy, we shall make an offer of settlement or convey the rejection of the claim within 30(thirty) days of receipt of all relevant documents and investigation/ assessment report (if required). In case the claim is admitted, the claim proceeds shall be paid within 7(seven) days of your acceptance of our offer. In case of delay in payment, we shall be liable to pay interest at a rate which is 2.0% (two percent) above the bank rate prevalent at the beginning of financial year in which the claim is received by us.","sources":[{"clause":"20(III)(e)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/trade-suvidha-policy-irdan106p0004v01200203/document/8822#c-20-iii-e"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":"You may register a grievance or complaint on the insurer's website, contact the branch from where you bought the policy, or contact the grievance officer at the corporate office.","display":"Website www.itgi.co.in, the branch where the policy was bought, or the grievance officer at corporate office","note":null,"quote":"Grievance or Complaint You may register a grievance or complaint by visiting our website www.itgi.co.in you may also contact the branches from where you have bought the policy or grievance officer who can be reached at our corporate office.","sources":[{"clause":"20(III)(e)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/trade-suvidha-policy-irdan106p0004v01200203/document/8822#c-20-iii-e"}],"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","Lightning","Explosion / Implosion","Aircraft Damage","Riots, Strike and Malicious Damage","Earthquake Fire and/or Shock","Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Flood and Inundation","Impact Damage","Subsidence and Landslide including Rockslide","Bursting and overflowing of water tanks, apparatus and pipes","Missile testing operations","Leakage from automatic sprinkler installations","Bush Fire","Theft or attempted theft involving violent and forcible entry into or exit from the premises, Robbery, Dacoity","Loss of Money due to accident or misfortune","Personal Accident death or disablement","Fidelity Guarantee fraud or dishonesty by employees","Electronic Equipment Damaged by any cause other than excluded"],"display":"Fire and allied perils, burglary and other perils, money, personal accident, fidelity guarantee, and electronic equipment damage, subject to operative sections","note":"Cover applies only under sections specified as operative in the Schedule.","quote":"We will insure Your interest under the Sections specified as operative in the Schedule during the Policy Period ... Insured Perils:\nI) Fire excluding Damages caused to the property insured by ... II. Lightning\nIII. Explosion / Implosion ... IV. Aircraft Damage--- Damage caused by an aircraft ... V. Riots, Strike and Malicious Damage ... VI. Earthquake Fire and/or Shock ... VII. Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Flood and Inundation.\nVIII. Impact Damage ... IX. Subsidence and Landslide including Rockslide. ... X. Bursting and overflowing of water tanks, apparatus and pipes.\nXI. Missile testing operations.\nXII. Leakage from automatic sprinkler installations ... XIII. Bush Fire excluding Damage caused by Forest Fire.\nXIV. Terrorism is covered ... Theft or attempted theft involving violent and forcible entry into or exit from the premises, Robbery, Dacoity. ... Loss of Money due to accident or misfortune whilst in direct transit in connection with Your business ... If following bodily injury which solely and directly causes the Insured Person’s death or disablement within 12(twelve) months of injury as stated in Table of Benefits, we shall pay ... We will indemnify You against direct pecuniary loss caused by act of fraud or dishonesty committed by any person employed by or with You in the premises upto amount(s) stated in the Schedule. ... If the Electronic Equipment installation including computer, fax machine or any of its part/accessories and/or data carrying material belonging to You or for which You are responsible is Damaged whilst contained in the premises by any cause other than those excluded under this Section of the Policy or under General Exclusion(s); We will pay","sources":[{"clause":null,"heading":"PREAMBLE","page":1,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/trade-suvidha-policy-irdan106p0004v01200203/document/8822#c-preamble"},{"clause":"Section 1","heading":"FIRE AND ALLIED PERILS","page":8,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/trade-suvidha-policy-irdan106p0004v01200203/document/8822#c-section-1"},{"clause":"2","heading":null,"page":8,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/trade-suvidha-policy-irdan106p0004v01200203/document/8822#c-2-2"},{"clause":"2(c)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/trade-suvidha-policy-irdan106p0004v01200203/document/8822#c-2-c"},{"clause":"2(e)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/trade-suvidha-policy-irdan106p0004v01200203/document/8822#c-2-e"},{"clause":"2(c)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/trade-suvidha-policy-irdan106p0004v01200203/document/8822#c-2-c-3"},{"clause":null,"heading":"Insured Perils","page":11,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/trade-suvidha-policy-irdan106p0004v01200203/document/8822#c-insured-perils"},{"clause":"4","heading":"Authorised Representative","page":12,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/trade-suvidha-policy-irdan106p0004v01200203/document/8822#c-4-2"},{"clause":null,"heading":"Cover","page":13,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/trade-suvidha-policy-irdan106p0004v01200203/document/8822#c-cover-2"},{"clause":"Section 5","heading":"FIDELITY GUARANTEE","page":15,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/trade-suvidha-policy-irdan106p0004v01200203/document/8822#c-section-5"},{"clause":"Section 6","heading":"ELECTRONIC EQUIPMENT","page":16,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/trade-suvidha-policy-irdan106p0004v01200203/document/8822#c-section-6"}],"law":[]},{"key":"deductible","label":"Deductible or excess","section":"Limits and co-pay","meaning":"Amount of each claim you bear.","status":"quote-verified","value":"Fire and allied perils have an excess of 5% of each claim, subject to a minimum of Rs.10,000 and maximum of Rs 25,000, for Act of God perils, and Rs. 10,000 for each and every Damage from other perils. Electronic equipment has an excess of 5% of the claim amount subject to minimum Rs.2,500 for personal computers; 5% subject to minimum Rs.1,000 for other non-Winchester equipment; and 10% subject to minimum Rs.2,500 for Winchester drive equipment.","display":"Fire/allied perils: AOG 5% of each claim, min Rs.10,000, max Rs 25,000; other perils Rs. 10,000. Electronic equipment: PC 5% min Rs.2,500; non-Winchester 5% min Rs.1,000; Winchester 10% min Rs.2,500.","note":"The wording states these section-specific excesses; no specific excess was found for the other sections.","quote":"An Excess of 5% of each claim subject to a minimum of Rs.10,000/- (Rupees Ten thousand)and maximum of Rs 25,000 (Rupees Twenty five thousand) in respect of each and every loss arising out of “Act of God” perils such as lightning, storm, tempest, flood, inundation, subsidence, landslide and rockslide, earthquake fire and/or shock covered under the Policy. ... An Excess of Rs. 10,000/- (Rupees ten thousand) for each and every Damage arising out of other perils in respect of which You are indemnified by this Policy. ... In respect of Personal Computer, 5% (five per cent) of the claim amount subject to a minimum of Rs.2,500/- (Rupees two thousand and five hundred). ... 5% (five per cent) of the claim amount subject to a minimum of Rs.1,000/- ( Rupees one thousand), if Electronic Equipment is other than Winchester drive. ... 10% (ten percent) of the claim amount subject to a minimum of Rs.2,500/- ( Rupees two thousand and five hundred), if Electronic Equipment is Winchester drive.","sources":[{"clause":"2(a)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/trade-suvidha-policy-irdan106p0004v01200203/document/8822#c-2-a-4"},{"clause":"2(b)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/trade-suvidha-policy-irdan106p0004v01200203/document/8822#c-2-b-4"},{"clause":null,"heading":"EXCLUSIONS","page":16,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/trade-suvidha-policy-irdan106p0004v01200203/document/8822#c-exclusions-5"},{"clause":"Section 6(i)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/trade-suvidha-policy-irdan106p0004v01200203/document/8822#c-section-6-i"},{"clause":"Section 6(ii)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/trade-suvidha-policy-irdan106p0004v01200203/document/8822#c-section-6-ii"}],"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":"You may cancel by sending 15 days written notice. The insurer refunds premium after retaining the short-period rate: 10% up to 15 days, 15% up to 1 months, 30% up to 2 months, 40% up to 3 months, 50% up to 4 months, 60% up to 5 months, 70% up to 6 months, 75% up to 7 months, 80% up to 8 months, 85% up to 9 months, and 100% after 9 months, subject to no claim.","display":"15 days written notice; refund after short-period retention, subject to no claim","note":null,"quote":"You may cancel this Policy by sending 15 days written notice to Us. We will then allow a refund after retaining the premium based on following short period table.\nPeriod of Cover upto | Annual Premium Rate\n(%)\n15 days | 10%\n1 months | 15%\n2 months | 30%\n3 months | 40%\n4 months | 50%\n5 months | 60%\n6 months | 70%\n7 months | 75%\n8 months | 80%\n9 months | 85%\nExceeding 9 months | 100%\nThis refund of premium is subject to the condition that no claim has been preferred on Us.","sources":[{"clause":"20(III)(e)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/trade-suvidha-policy-irdan106p0004v01200203/document/8822#c-20-iii-e"}],"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":"quote-verified","value":"The geographical limit is India, except that Section 4 Personal Accident has worldwide geographical limit. All claims are settled in India in Indian Rupees.","display":"India except Section 4 (Personal Accident) worldwide; claims settled in India in Indian Rupees","note":null,"quote":"The Geographical Limit of this Policy will be India except Section 4 (Personal Accident) where Geographical Limit will be worldwide. However all claims shall be settled in India in Indian Rupees.","sources":[{"clause":"20(III)(e)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/trade-suvidha-policy-irdan106p0004v01200203/document/8822#c-20-iii-e"}],"law":[]},{"key":"subject_covered","label":"What is insured","section":"Cover","meaning":"The thing or risk this policy covers.","status":"quote-verified","value":"This is a package policy for traders covering operative sections for stock in trade and other business contents, money relating to the business or profession, specified insured persons for personal accident, employee fraud or dishonesty, and electronic equipment at the premises.","display":"Traders' business contents, money, personal accident for specified persons, fidelity guarantee, and electronic equipment, where the section is operative","note":"Cover is only for sections specified as operative in the Schedule.","quote":"We will insure Your interest under the Sections specified as operative in the Schedule during the Policy Period ... Stock in trade belonging to You and goods in trust for which You are responsible. ... Business and office furniture, fixtures, fittings, electrical installations, safes, equipments, electrical and mechanical appliances ... Other contents belonging to You or for which You are responsible ... In the event of loss of Money relating to Your business or profession happening during the currency of the Policy ... It shall be mean You, Your partners, directors or Your employees aged between 18 (eighteen) years and 70 (seventy) years permanently working with You and named in the Schedule relating to this Section. ... We will indemnify You against direct pecuniary loss caused by act of fraud or dishonesty committed by any person employed by or with You in the premises upto amount(s) stated in the Schedule. ... If the Electronic Equipment installation including computer, fax machine or any of its part/accessories and/or data carrying material belonging to You or for which You are responsible is Damaged whilst contained in the premises","sources":[{"clause":null,"heading":"PREAMBLE","page":1,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/trade-suvidha-policy-irdan106p0004v01200203/document/8822#c-preamble"},{"clause":"Section 1","heading":"FIRE AND ALLIED PERILS","page":8,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/trade-suvidha-policy-irdan106p0004v01200203/document/8822#c-section-1"},{"clause":"4","heading":"Authorised Representative","page":12,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/trade-suvidha-policy-irdan106p0004v01200203/document/8822#c-4-2"},{"clause":"1","heading":"Insured Person","page":13,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/trade-suvidha-policy-irdan106p0004v01200203/document/8822#c-1-3"},{"clause":"Section 5","heading":"FIDELITY GUARANTEE","page":15,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/trade-suvidha-policy-irdan106p0004v01200203/document/8822#c-section-5"},{"clause":"Section 6","heading":"ELECTRONIC EQUIPMENT","page":16,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/trade-suvidha-policy-irdan106p0004v01200203/document/8822#c-section-6"}],"law":[]}],"documents":[{"kind":"wording","label":"Trade Suvidha Policy","pages":18,"fetched_at":"2026-10-17 19:49:32+00","source_url":"https://www.iffcotokio.co.in/content/dam/iffcotokio/policy-wordings/other-insurance/trade-suvidha-policy.pdf","url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/trade-suvidha-policy-irdan106p0004v01200203/document/8822"},{"kind":"prospectus","label":"Trade Suvidha Policy","pages":8,"fetched_at":"2026-10-17 19:47:43+00","source_url":"https://www.iffcotokio.co.in/content/dam/iffcotokio/prospectus/other-insurance/trade-suvidha-policy.pdf","url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/trade-suvidha-policy-irdan106p0004v01200203/document/8731"}],"versions":[],"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":"Trade Suvidha Policy (UIN IRDAN106P0004V01200203), IndiaInsurances, https://indiainsurances.com/policy/iffco-tokio-general-insurance/trade-suvidha-policy-irdan106p0004v01200203"}