{"uin":"IRDAN106RP0022V01200708","name":"PNB Housing Finance Home Protector Policy","url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/pnb-housing-finance-home-protector-policy-irdan106rp0022v01200708","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":"home","category_name":"Home insurance","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"PNBHF Home Protector Policy covers property for which Punjab National Bank has granted a housing loan against Fire and Allied Perils and covers the borrower for accidental death and permanent total disablement including loss of limbs or eyes due to an accident. The personal accident section is worldwide, while property loss must be notified forthwith and the written claim delivered within 15 days after the loss or damage.","analysis":{"state":"machine","analysed_at":"2026-10-20 03:54:13.605878+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":"The wording describes cover sections, not named plan variants.","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 of Insurance mentioned in the Schedule but does not state a fixed term.","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":"For property loss or damage, give notice forthwith and deliver the written claim within 15 days after the loss or damage unless the Company allows more time in writing. For personal accident, report as soon as possible; death notice must be given before internment / cremation unless reasonable cause is shown and in any case within one calendar month, and loss of sight or limbs must also be notified within one calendar month.","display":"Property: notice forthwith and written claim within 15 days. Personal accident: as soon as possible; death before internment / cremation and within one calendar month; loss of sight or limbs within one calendar month.","note":null,"quote":"On the happening of any loss or damage the Insured shall forthwith give notice thereof to the Company and shall within 15 days after the loss or damage, or such further time as the Company may in writing allow in that behalf, deliver to the Company ... An event which might become a claim under this Section must be reported to the Company as soon as possible. In case of death, written notice of death must, unless reasonable cause is shown, be given before internment / cremation and in any case, within one calendar month after the death, and in the event of loss of sight or limbs, written notice thereof must also be given within one calendar month after such loss of sight or limbs.","sources":[{"clause":"13(b)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/pnb-housing-finance-home-protector-policy-irdan106rp0022v01200708/document/8823#c-13-b-2"},{"clause":"9","heading":"Renewal","page":9,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/pnb-housing-finance-home-protector-policy-irdan106rp0022v01200708/document/8823#c-9-2"}],"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":["A claim in writing","Particulars of all other insurances, if any","further particulars, plans, specification, books, vouchers, invoices, duplicates or copies thereof, documents, investigation reports (internal/external), proofs and information","a declaration on oath or in other legal form of the truth of the claim","a Claim Form","All certificates, information and evidence from a medical attendant or otherwise required by the Company","Post Mortem Report"],"display":"Written claim, other-insurance particulars, supporting particulars/plans/books/vouchers/invoices/documents/investigation reports/proofs/information, declaration on oath, Claim Form, medical certificates/information/evidence, and Post Mortem Report for death claims.","note":null,"quote":"A claim in writing for the loss or damage ... Particulars of all other insurances, if any\nThe Insured Person shall also at all times at his own expense produce and give to the Company all such further particulars, plans, specification, books, vouchers, invoices, duplicates or copies thereof, documents, investigation reports (internal/external), proofs and information ... together with a declaration on oath or in other legal form of the truth of the claim ... A written statement of the claim will be required and a Claim Form will be provided for completion and submission. All certificates, information and evidence from a medical attendant or otherwise required by the Company shall be furnished ... submit the Post Mortem Report as a supporting document in respect of the claim.","sources":[{"clause":"13(a)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/pnb-housing-finance-home-protector-policy-irdan106rp0022v01200708/document/8823#c-13-a-3"},{"clause":"13(b)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/pnb-housing-finance-home-protector-policy-irdan106rp0022v01200708/document/8823#c-13-b-3"},{"clause":"9","heading":"Renewal","page":9,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/pnb-housing-finance-home-protector-policy-irdan106rp0022v01200708/document/8823#c-9-2"}],"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 receipt of all relevant documents and investigation/assessment report if required. If the claim is admitted, claim proceeds are paid within 7 days of acceptance of the offer, with delayed payment interest at 2.0% above the bank rate prevalent at the beginning of the financial year in which the claim is received.","display":"Offer settlement or rejection within 30 days of all relevant documents and investigation/assessment report; pay 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":null,"heading":"GENERAL CONDITIONS APPLICABLE TO BOTH SECTIONS","page":15,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/pnb-housing-finance-home-protector-policy-irdan106rp0022v01200708/document/8823#c-general-conditions-applicable-to-both-sections"}],"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":["Loss, destruction or damage caused by war, invasion, act of foreign enemy hostilities or war like operations","any act of terrorism","ionizing radiation or contamination by radioactivity","the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof","Loss, destruction or damage caused to the insured property by pollution or contamination","Loss, destruction or damage to bullion or unset precious stones, any curios or works of art for an amount exceeding Rs.10,000/-","Loss of earnings, loss by delay, loss of market or other consequential or indirect loss or damage","Loss by theft during or after the occurrence of any insured peril except as provided under Riot, Strike and Malicious Damage cover","Committing or attempting suicide, intentional self-injury","Pregnancy or childbirth","Venereal disease or insanity","Contracting any illness directly or indirectly arising from or attributable to HIV and/or any HIV related illness including AIDS"],"display":"Main exclusions include war and terrorism, nuclear/radioactive risks, pollution/contamination, bullion/precious stones/curios/works of art above Rs.10,000 unless stated, consequential loss, theft during or after an insured peril except as provided under RSMD, suicide or intentional self-injury, pregnancy or childbirth, venereal disease or insanity, and HIV/AIDS-related illness.","note":null,"quote":"Loss, destruction or damage caused by war, invasion, act of foreign enemy hostilities or war like operations(whether war be declared or not), civil war, mutiny, civil commotion assuming the proportions of or amounting to a popular rising, military rising, rebellion, revolution, insurrection or military or usurped power and any act of terrorism. ... a) ionizing radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel ... b) the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof\n3. Loss, destruction or damage caused to the insured property by pollution or contamination. ... Loss, destruction or damage to bullion or unset precious stones, any curios or works of art for an amount exceeding Rs.10,000/- ... Loss of earnings, loss by delay, loss of market or other consequential or indirect loss or damage of any kind or description whatsoever. ... Loss by theft during or after the occurrence of any insured peril except as provided under Riot, Strike and Malicious Damage cover. ... Committing or attempting suicide, intentional self-injury. ... Pregnancy or childbirth.\nf) Venereal disease or insanity.\ng) Contracting any illness directly or indirectly arising from or attributable to HIV and/or any HIV related illness including AIDS","sources":[{"clause":"13","heading":"Earthquake (Fire and Shock)","page":4,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/pnb-housing-finance-home-protector-policy-irdan106rp0022v01200708/document/8823#c-13"},{"clause":"13(a)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/pnb-housing-finance-home-protector-policy-irdan106rp0022v01200708/document/8823#c-13-a"},{"clause":"13(b)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/pnb-housing-finance-home-protector-policy-irdan106rp0022v01200708/document/8823#c-13-b"},{"clause":null,"heading":"COVERAGE","page":13,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/pnb-housing-finance-home-protector-policy-irdan106rp0022v01200708/document/8823#c-coverage"}],"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 by visiting www.itgi.co.in, contacting the branch from where you bought the policy, or contacting the grievance officer at the corporate office.","display":"Website www.itgi.co.in, the branch from where bought, or grievance officer at the corporate office.","note":null,"quote":"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":null,"heading":"GENERAL CONDITIONS APPLICABLE TO BOTH SECTIONS","page":15,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/pnb-housing-finance-home-protector-policy-irdan106rp0022v01200708/document/8823#c-general-conditions-applicable-to-both-sections"}],"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 and Allied Perils","accidental death","permanent total disablement including loss of limbs/eyes due to an accident"],"display":"Fire and Allied Perils for the mortgaged property, and accidental death and permanent total disablement including loss of limbs/eyes for the borrower.","note":null,"quote":"to provide the cover to the property for which Punjab National Bank (hereinafter called the Bank) has granted a housing loan against the risks of Fire and Allied Perils and to the Borrower (hereinafter called the Insured Person) against the risks of accidental death and permanent total disablement including loss of limbs/eyes due to an accident","sources":[{"clause":null,"heading":"PNBHF HOME PROTECTOR POLICY UIN : IRDAN106RP0022V01200708","page":1,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/pnb-housing-finance-home-protector-policy-irdan106rp0022v01200708/document/8823#c-pnbhf-home-protector-policy-uin-irdan106rp0022v0"}],"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 you request termination, the Company retains premium at the rate applicable for the time the policy has been in force, rounded off to the following year, subject to no claim being made under the policy.","display":"Refund after retaining premium for time in force, rounded off to the following year; only if no claim has been made.","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 rate applicable for the time the Policy has been in force (rounded off to the following year) subject to no claim being made under the Policy.","sources":[{"clause":null,"heading":"GENERAL CONDITIONS APPLICABLE TO BOTH SECTIONS","page":15,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/pnb-housing-finance-home-protector-policy-irdan106rp0022v01200708/document/8823#c-general-conditions-applicable-to-both-sections"}],"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 personal accident section has worldwide geographical scope, with all claims settled in India in Indian Rupees only. The property section covers the property insured described in the Schedule, but the wording does not state a geographic territory for that section.","display":"Section 2: WORLDWIDE; claims settled in India in Indian Rupees only. Section 1: scheduled property, no geographic territory stated.","note":"The worldwide wording is expressly under Section 2 PERSONAL ACCIDENT COVER.","quote":"The geographical scope of claims under this Section will be WORLDWIDE. However all claims shall be settled in India in Indian Rupees only. ... the property insured described in the Schedule of the Policy or any part of such property","sources":[{"clause":"9","heading":"Renewal","page":9,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/pnb-housing-finance-home-protector-policy-irdan106rp0022v01200708/document/8823#c-9-2"},{"clause":"Section 1","heading":"STANDARD FIRE AND SPECIAL PERILS COVER","page":1,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/pnb-housing-finance-home-protector-policy-irdan106rp0022v01200708/document/8823#c-section-1"}],"law":[]},{"key":"building_cover","label":"Building cover","section":"Cover","meaning":"Cover for the structure and how its value is set.","status":"quote-verified","value":"The policy covers the property for which Punjab National Bank has granted a housing loan against Fire and Allied Perils. If the property insured described in the Schedule is destroyed or damaged by specified perils during the Period of Insurance, the Company pays the value of the property at the time of destruction or the amount of damage, or may reinstate or replace it.","display":"Scheduled mortgaged property covered for Fire and Allied Perils; pays value at time of loss or damage amount, or may reinstate or replace.","note":null,"quote":"to provide the cover to the property for which Punjab National Bank (hereinafter called the Bank) has granted a housing loan against the risks of Fire and Allied Perils ... If after payment of the premium the property insured described in the Schedule of the Policy or any part of such property be destroyed or damaged by any of the perils specified hereunder during the Period of Insurance named in the said Schedule, the Company shall pay to the Insured the value of the property at the time of the happening of its destruction or the amount of such damage or at its option reinstate or replace such property or any part thereof:","sources":[{"clause":null,"heading":"PNBHF HOME PROTECTOR POLICY UIN : IRDAN106RP0022V01200708","page":1,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/pnb-housing-finance-home-protector-policy-irdan106rp0022v01200708/document/8823#c-pnbhf-home-protector-policy-uin-irdan106rp0022v0"},{"clause":"Section 1","heading":"STANDARD FIRE AND SPECIAL PERILS COVER","page":1,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/pnb-housing-finance-home-protector-policy-irdan106rp0022v01200708/document/8823#c-section-1"}],"law":[]},{"key":"contents_cover","label":"Contents cover","section":"Cover","meaning":"Cover for household goods, jewellery and valuables, and limits.","status":"not-stated","value":null,"display":null,"note":"The wording covers the property insured described in the Schedule but does not separately state household contents, jewellery or valuables cover.","quote":null,"sources":[],"law":[]},{"key":"burglary","label":"Burglary and theft","section":"Cover","meaning":"Whether burglary is covered.","status":"quote-verified","value":"Burglary, housebreaking, theft, larceny or attempts are excluded under Riot, Strike and Malicious Damage, and theft during or after an insured peril is excluded except as provided under that cover.","display":"Not covered as burglary/housebreaking/theft/larceny; theft during or after an insured peril excluded except as provided under RSMD.","note":null,"quote":"burglary, housebreaking, theft, larceny or any such attempt or any omission of any kind of any person (whether or not such act is committed in the course of a disturbance of public peace ) in any malicious act. ... Loss by theft during or after the occurrence of any insured peril except as provided under Riot, Strike and Malicious Damage cover.","sources":[{"clause":"5","heading":"Riot, Strike and Malicious Damage","page":3,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/pnb-housing-finance-home-protector-policy-irdan106rp0022v01200708/document/8823#c-5"},{"clause":"13(b)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/pnb-housing-finance-home-protector-policy-irdan106rp0022v01200708/document/8823#c-13-b"}],"law":[]},{"key":"rent_loss","label":"Rent and alternative accommodation","section":"Cover","meaning":"Cover for rent lost or a temporary home after damage.","status":"not-stated","value":null,"display":null,"note":"No rent lost or temporary accommodation benefit is stated.","quote":null,"sources":[],"law":[]},{"key":"sum_insured_basis","label":"Sum insured basis","section":"Cover","meaning":"How the cover amount is set: market value, reinstatement value, agreed value, IDV.","status":"quote-verified","value":"For property damage, the Company pays the value of the property at the time of its destruction or the amount of damage, or may reinstate or replace the property. Liability cannot exceed the sum expressed in the Schedule for each item or the total Sum Insured.","display":"Value at time of loss or damage amount, with insurer option to reinstate or replace; capped by Schedule sum insured.","note":null,"quote":"the Company shall pay to the Insured the value of the property at the time of the happening of its destruction or the amount of such damage or at its option reinstate or replace such property or any part thereof: ... the liability of the Company shall in no case exceed in respect of each item the sum expressed in the said Schedule to be insured thereon or in the whole the total Sum Insured hereby","sources":[{"clause":"Section 1","heading":"STANDARD FIRE AND SPECIAL PERILS COVER","page":1,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/pnb-housing-finance-home-protector-policy-irdan106rp0022v01200708/document/8823#c-section-1"},{"clause":"13","heading":"Earthquake (Fire and Shock)","page":4,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/pnb-housing-finance-home-protector-policy-irdan106rp0022v01200708/document/8823#c-13"}],"law":[]},{"key":"under_insurance","label":"Under-insurance (average) clause","section":"Limits and co-pay","meaning":"If the sum insured is less than the real value, claims are cut in proportion.","status":"quote-verified","value":"If the insured property is of greater value than the Sum Insured when fire or another insured peril causes damage, the insured is treated as self-insurer for the difference and bears a rateable proportion of the loss. Each item is separately subject to this condition.","display":"Average applies: if property value exceeds Sum Insured, you bear a rateable proportion of the loss.","note":null,"quote":"If the property hereby insured shall at the breaking out of any fire or at the commencement of any destruction of or damage to the property by any other peril hereby insured against be collectively of greater value than the Sum Insured thereon, then the Insured shall be considered as being his own insurer for the difference and shall bear a rateable proportion of the loss accordingly. Every item, if more than one, of the Policy shall be separately subject to this condition.","sources":[{"clause":"13(d)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/pnb-housing-finance-home-protector-policy-irdan106rp0022v01200708/document/8823#c-13-d"}],"law":[]}],"documents":[{"kind":"wording","label":"PNB Housing Finance Home Protector Policy","pages":17,"fetched_at":"2026-10-17 19:49:34+00","source_url":"https://www.iffcotokio.co.in/content/dam/iffcotokio/policy-wordings/other-insurance/pnb-hf-home-protector.pdf","url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/pnb-housing-finance-home-protector-policy-irdan106rp0022v01200708/document/8823"},{"kind":"prospectus","label":"PNB Housing Finance Home Protector Policy","pages":8,"fetched_at":"2026-10-17 19:47:47+00","source_url":"https://www.iffcotokio.co.in/content/dam/iffcotokio/prospectus/other-insurance/pnb-housing-finance-home-protector-policy.pdf","url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/pnb-housing-finance-home-protector-policy-irdan106rp0022v01200708/document/8735"}],"versions":[{"uin":"IRDAN106P0022V01200708","version":null,"approved_on":null},{"uin":"IRDAN106RP0022V01200708","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":"PNB Housing Finance Home Protector Policy (UIN IRDAN106RP0022V01200708), IndiaInsurances, https://indiainsurances.com/policy/iffco-tokio-general-insurance/pnb-housing-finance-home-protector-policy-irdan106rp0022v01200708"}