{"uin":"IRDAN106RP0064V03201819","name":"All In One Home Protector Policy","url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/all-in-one-home-protector-policy-irdan106rp0064v03201819","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":"Main product","kind":"product","status":"active","approved_on":"2021-07-20","withdrawn_on":null,"summary":"All In One Home Protector Policy is a home insurance product with a 12 calendar month policy term. It covers home building and general contents for listed insured events, with burglary and housebreaking cover and loss of rent or alternative accommodation cover subject to the policy terms.","analysis":{"state":"machine","analysed_at":"2026-10-20 01:58:58.737507+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 documents list sections, covers and optional covers, but do not name 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":"quote-verified","value":"Policy term is 12 calendar months.","display":"12 calendar months","note":null,"quote":"Policy term for this policy shall be 12 (twelve) calendar months.","sources":[{"clause":null,"heading":"POLICY TERM","page":4,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/all-in-one-home-protector-policy-irdan106rp0064v03201819/document/8653#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":"A claim event must be reported as soon as possible and notice of physical loss or damage must be given immediately. The written statement with supporting documents must be delivered within reasonable time of the loss or damage or within 15 days after completion of the documents; personal accident claims have separate 14 day and one calendar month notice requirements.","display":"As soon as possible; physical loss/damage immediately; written claim statement within reasonable time or within 15 days after completion of documents. Personal accident: within 14 days of injury; death/loss of sight/amputation within one calendar month.","note":null,"quote":"An event, which gives rise to a claim or might become a claim under the Policy, must be reported to Us as soon as possible. ... This written statement of claim along with supporting documentation (estimates, vouchers, invoices, proof, investigation report and the like) prepared at Your expenses along with particulars of other insurances covering the same risk must be delivered to Us within reasonable time of the loss or damage or within 15 (fifteen) days after completion of the documents. ... As soon as any physical loss or damage occurs to Your Home Building or Home Contents or the Insured property due to an Insured Event, You must immediately give notice to Us of the loss or damage. ... in any case, within one calendar month after the death, and in the event of loss of sight or amputation of limbs, written notice thereof must also be given within one calendar month after such loss of sight or amputation. ... You or Your personal representative must give immediate written notice but within 14(fourteen) days of occurrence of injury.","sources":[{"clause":null,"heading":"1. Immediate notice to Us","page":8,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/all-in-one-home-protector-policy-irdan106rp0064v03201819/document/8716#c-1-immediate-notice-to-us"},{"clause":"43(IV)(a)","heading":"Intimation of claim","page":9,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/all-in-one-home-protector-policy-irdan106rp0064v03201819/document/8716#c-43-iv-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":["A written statement of the claim","Claim Form","estimates","vouchers","invoices","proof","investigation report","particulars of other insurances covering the same risk","plans, specification books, vouchers, invoices pertaining to costs incurred","Death Certificate and Post Mortem report (wherever necessary)"],"display":"Written statement, claim form, estimates, vouchers, invoices, proof, investigation report, other insurance particulars, plans/specification books and PA death/post-mortem documents where needed","note":null,"quote":"A written statement of the claim will be required and a Claim Form will be provided. This written statement of claim along with supporting documentation (estimates, vouchers, invoices, proof, investigation report and the like) prepared at Your expenses along with particulars of other insurances covering the same risk must be delivered to Us within reasonable time of the loss or damage or within 15 (fifteen) days after completion of the documents. ... You must support Your claim for Home Building and/or Home Contents and/or the Insured property with plans, specification books, vouchers, invoices pertaining to costs incurred by You for reconstruction/replacement/repairs. ... For Optional Cover of Personal Accident (in Section 1) and for section 8 (Personal Accident), Death Certificate and Post Mortem report (wherever necessary) shall be submitted.","sources":[{"clause":null,"heading":"1. Immediate notice to Us","page":8,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/all-in-one-home-protector-policy-irdan106rp0064v03201819/document/8716#c-1-immediate-notice-to-us"},{"clause":"43(IV)(b)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/all-in-one-home-protector-policy-irdan106rp0064v03201819/document/8716#c-43-iv-b-5"},{"clause":"43(IV)(c)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/all-in-one-home-protector-policy-irdan106rp0064v03201819/document/8716#c-43-iv-c-3"}],"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 a 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 or assessment report, if required. If admitted, claim proceeds are paid within 7 days of acceptance of the offer, with interest for delay.","display":"Offer or rejection within 30 days of all relevant documents and investigation/assessment report; payment within 7 days of acceptance","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% (two percent) above the bank rate prevalent at the beginning of financial year in which the claim is received by us.","sources":[{"clause":"43(IV)(c)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/all-in-one-home-protector-policy-irdan106rp0064v03201819/document/8716#c-43-iv-c-5"}],"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":["WAR RISK","CONFISCATION","WILLFUL ACT OR GROSS NEGLIGENCE","NUCLEAR RISK","WEAR AND TEAR","CONSEQUENTIAL LOSS","EXISTING DAMAGE","MATCHING OF ITEMS","Loss of any Insured Property which is missing or has been mislaid","Costs, fees or expenses for preparing any claim"],"display":"War risk, confiscation, willful act or gross negligence, nuclear risk, wear and tear, consequential loss, existing damage, matching of items, missing/mislaid property, claim preparation costs","note":null,"quote":"WAR RISK Damage as a consequence of War, invasion, act of foreign enemy hostilities or war-like operations (whether war is declared or not), civil war, mutiny, civil commotion amounting to a popular rising, military rising, rebellion, revolution, insurrection or military or usurped power. ... CONFISCATION Any damage due to confiscation, commandeering, requisition, detention or destruction by order of any Government or lawfully constituted authority. ... WILLFUL ACT OR GROSS NEGLIGENCE Damage caused by Your deliberate, wilful or intentional act or ommission, or of anyone on Your behalf, or with Your connivance ... NUCLEAR RISK Any damage to property, consequential loss, legal liability or bodily injury, illness, disease directly or indirectly caused by or contributed to by or arising from ionising radiation or contamination by radioactivity ... WEAR AND TEAR Damage caused by wear and tear, depreciation and/or gradual deterioration. ... CONSEQUENTIAL LOSS Consequential loss of any kind or description including any reduction of market value beyond the cost of repair or replacement. ... EXISTING DAMAGE Any damage, injury, accident, disease or illness occurring before cover commences under the Policy. ... MATCHING OF ITEMS The cost of repair or replacement of any undamaged or unbroken items or part of item forming part of a set, suits or other article of uniform nature, colour or design ... Loss of any Insured Property which is missing or has been mislaid, or its disappearance cannot be linked to any single identifiable event. ... Costs, fees or expenses for preparing any claim.","sources":[{"clause":null,"heading":"GENERAL EXCLUSIONS","page":16,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/all-in-one-home-protector-policy-irdan106rp0064v03201819/document/8716#c-general-exclusions"},{"clause":"14(b)","heading":null,"page":24,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/all-in-one-home-protector-policy-irdan106rp0064v03201819/document/8716#c-14-b-11"}],"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":"First send the grievance in writing by post or email to the insurer's Grievance Redressal Officer at chiefgrievanceofficer@iffcotokio.co.in, IFFCO-Tokio General Insurance Company Limited, IFFCO TOWER-II, Plot No.3, Sector-29, Gurgaon, Haryana-122001.","display":"Write to the Grievance Redressal Officer at chiefgrievanceofficer@iffcotokio.co.in or IFFCO TOWER-II, Plot No.3, Sector-29, Gurgaon, Haryana-122001","note":null,"quote":"If You have a grievance about any matter relating to the Policy, or Our decision on any matter, or the claim, You can address Your grievance as follows: ... You can send Your grievance in writing by post or email to Our Grievance Redressal Officer at the following address:\na. E-Mail ID: | chiefgrievanceofficer@iffcotokio.co.in\nb. Address: | IFFCO-Tokio General Insurance Company Limited.\nIFFCO TOWER – II Plot No.3, Sector-29, Gurgaon Haryana-122001","sources":[{"clause":null,"heading":"CLAUSE - GRIEVANCES","page":61,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/all-in-one-home-protector-policy-irdan106rp0064v03201819/document/8716#c-clause-grievances"},{"clause":"1","heading":"Our Grievance Redressal Officer","page":61,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/all-in-one-home-protector-policy-irdan106rp0064v03201819/document/8716#c-1-16"}],"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","Explosion or Implosion","Lightning","Earthquake, volcanic eruption, or other convulsions of - nature","Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Tsunami, Flood and Inundation","Subsidence of the land on which Your Home Building stands, Landslide, Rockslide","Bush fire, Forest fire, Jungle fire","Impact damage of any kind","Missile testing operations","Riot, Strikes, Malicious Damages","Acts of terrorism","Bursting or overflowing of water tanks, apparatus and pipes.","Leakage from automatic sprinkler installations.","Theft within 7 (seven )days from the occurrence of and proximately caused by any of the above Insured Events.","Theft or attempted theft including larceny by domestic servant and other persons having authorized access to the premises, theft or attempted theft involving violent and forcible entry into or exit from the Insured premises, robbery and dacoity."],"display":"Fire and allied perils, terrorism, water tank/sprinkler leakage, theft within 7 days of an insured event, and burglary/housebreaking including larceny, robbery and dacoity","note":null,"quote":"1. Fire | caused by burning of Insured Property by order\nof any Public Authority.\n2. Explosion or Implosion | -\n3. Lightning | -\n4. Earthquake, volcanic eruption, or other convulsions of - nature\n5. Storm, Cyclone, Typhoon, Tempest, Hurricane, | -\nTornado, Tsunami, Flood and Inundation ... 6 Subsidence of the land on which Your Home Building caused by\nstands, | a. normal cracking, settlement or bedding\nLandslide, Rockslide ... 7. Bush fire, Forest fire, Jungle fire | - ... Impact damage of any kind, i.e., damage caused by\nimpact of, or collision caused by any external physical object (e.g. vehicle, falling trees, aircraft, wall etc.) ... Missile testing operations ... 10 Riot, Strikes, Malicious Damages\n11 Acts of terrorism (Coverage as per Terrorism Clause mentioned in Clause E of General Conditions) ... Bursting or overflowing of water tanks, apparatus and pipes. ... Leakage from automatic sprinkler installations. ... Theft within 7 (seven )days from the occurrence of\nand proximately caused by any of the above Insured Events. ... Theft or attempted theft including larceny by domestic servant and other persons having authorized access to the premises, theft or attempted theft involving violent and forcible entry into or exit from the Insured premises, robbery and dacoity.","sources":[{"clause":null,"heading":"Clause 1. Insured Events","page":20,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/all-in-one-home-protector-policy-irdan106rp0064v03201819/document/8716#c-clause-1-insured-events"},{"clause":"6","heading":"Subsidence of the land on which Your Home Building caused by","page":20,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/all-in-one-home-protector-policy-irdan106rp0064v03201819/document/8716#c-6-2"},{"clause":"8","heading":"Impact damage of any kind, i.e., damage caused by","page":21,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/all-in-one-home-protector-policy-irdan106rp0064v03201819/document/8716#c-8-2"},{"clause":"9","heading":"Missile testing operations","page":21,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/all-in-one-home-protector-policy-irdan106rp0064v03201819/document/8716#c-9-2"},{"clause":"10","heading":"Riot, Strikes, Malicious Damages","page":21,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/all-in-one-home-protector-policy-irdan106rp0064v03201819/document/8716#c-10-2"},{"clause":"12","heading":null,"page":21,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/all-in-one-home-protector-policy-irdan106rp0064v03201819/document/8716#c-12-2"},{"clause":"13","heading":null,"page":21,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/all-in-one-home-protector-policy-irdan106rp0064v03201819/document/8716#c-13-2"},{"clause":"14","heading":"Theft within 7 (seven )days from the occurrence of","page":21,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/all-in-one-home-protector-policy-irdan106rp0064v03201819/document/8716#c-14-2"},{"clause":null,"heading":"PROPERTY INSURED","page":27,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/all-in-one-home-protector-policy-irdan106rp0064v03201819/document/8716#c-property-insured-3"}],"law":[]},{"key":"deductible","label":"Deductible or excess","section":"Limits and co-pay","meaning":"Amount of each claim you bear.","status":"quote-verified","value":"Excess is the first part of any claim borne by the insured, and the amount varies by cover. For example, burglary/theft under Section 2 has 5% of claim amount subject to a minimum of Rs.500, Section 2 accidental damage has 5% subject to a minimum of Rs.1,000, and terrorism for shops and residential risks has 1% of the claim amount subject to minimum INR 10,000 and maximum INR 500,000.","display":"Varies by cover; examples include 5% min Rs.500 for burglary/theft, 5% min Rs.1,000 for accidental damage, and terrorism 1% min INR 10,000 max INR 500,000","note":"Other sections and extensions specify their own excesses.","quote":"It means the first part of any claim for which You are responsible. Any Sum Insured/Limit will apply after the Excess has been deducted. ... An excess of 5% (five percent) of claim amount subject to a minimum of Rs. 500 (Rupees five hundred) in case of Item 1 of What is covered under this section. ... An excess of 5% (five percent) of claim amount subject to a minimum of Rs. 1,000 (Rupees one thousand) for each and every claim. ... Excess Shops & Residential Risks: 1% of the claim amount for each and every claim subject to Minimum of INR 10,000 and Maximum of INR 500,000","sources":[{"clause":"16","heading":"Excess","page":3,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/all-in-one-home-protector-policy-irdan106rp0064v03201819/document/8716#c-16"},{"clause":null,"heading":"PROPERTY INSURED","page":27,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/all-in-one-home-protector-policy-irdan106rp0064v03201819/document/8716#c-property-insured-3"},{"clause":"43(IV)(b)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/all-in-one-home-protector-policy-irdan106rp0064v03201819/document/8716#c-43-iv-b-9"}],"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 can cancel at any time by written notice. The refund is 90% if in force 15 days, 85% for 1 month, 70% for 2 months, 60% for 3 months, 50% for 4 months, 40% for 5 months, 30% for 6 months, 25% for 7 months, 20% for 8 months, 15% for 9 months, and no refund after exceeding 9 months.","display":"Written cancellation anytime; refund 90% at 15 days, 85% at 1 month, 70% at 2 months, 60% at 3 months, 50% at 4 months, 40% at 5 months, 30% at 6 months, 25% at 7 months, 20% at 8 months, 15% at 9 months, no refund after 9 months","note":null,"quote":"You can cancel this Policy at any time by giving Us notice in writing. The Policy will terminate when We receive Your notice. ... If You cancel the policy, We will refund premium as follows:\nTime for which Policy in force | Refund of premium\n15 days | 90%\n1 months | 85%\n2 months | 70%\n3 months | 60%\n4 months | 50%\n5 months | 40%\n6 months | 30%\n7 months | 25%\n8 months | 20%\n9 months | 15%\nExceeding 9 months | No refund","sources":[{"clause":"43(III)(a)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/all-in-one-home-protector-policy-irdan106rp0064v03201819/document/8716#c-43-iii-a"},{"clause":"43(III)(b)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/all-in-one-home-protector-policy-irdan106rp0064v03201819/document/8716#c-43-iii-b"}],"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 Section 3 (All Risk), Section 6B (Portable Computers, Mobile Phone, Tablets, Mobile Music devices, etc.), Section 8 (Personal Accident), Section 10 (Baggage) and Section 11A (Public and Personal Liability), where the geographical limit is worldwide. All claims are settled in India in Indian Rupees.","display":"India, except Sections 3, 6B, 8, 10 and 11A are worldwide; claims settled in India in Indian Rupees","note":null,"quote":"The Geographical Limit of this Policy will be India except for Section 3 (All Risk), Section 6B (Portable Computers, Mobile Phone, Tablets, Mobile Music devices, etc.), Section 8 (Personal Accident), Section 10 (Baggage) and Section 11A (Public and Personal Liability) where Geographical Limit will be worldwide. However all claims shall be settled in India in Indian Rupees.","sources":[{"clause":null,"heading":"2. Nomination for this Policy","page":13,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/all-in-one-home-protector-policy-irdan106rp0064v03201819/document/8716#c-2-nomination-for-this-policy"}],"law":[]},{"key":"building_cover","label":"Building cover","section":"Cover","meaning":"Cover for the structure and how its value is set.","status":"quote-verified","value":"Home Building cover applies to a residential building, including permanent fixtures and listed additional structures on the same site. It covers physical loss, damage or destruction of the Home Building because of insured events, and the sum insured is the prevailing cost of construction at commencement declared by you and accepted by the insurer.","display":"Home Building, fixtures and listed additional structures covered for insured events; sum insured is prevailing Cost of Construction at Commencement Date","note":null,"quote":"Your Home Building includes\ni) fixtures and fittings permanently attached to the floor, walls or roof, like fixed sanitary fittings, electrical wiring and other permanent fittings. ... We cover physical loss or damage, or destruction of Your Home Building because of any Insured Event listed in Clause 1 of this Policy. ... The Sum Insured for the Home Building Cover is the prevailing Cost of Construction of Your Home Building at the Commencement Date as declared by You and accepted by Us and will be the maximum amount payable in the event the Home Building is a Total Loss.","sources":[{"clause":"1","heading":"Home Building","page":19,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/all-in-one-home-protector-policy-irdan106rp0064v03201819/document/8716#c-1-2"},{"clause":"14(b)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/all-in-one-home-protector-policy-irdan106rp0064v03201819/document/8716#c-14-b-3"},{"clause":"14(a)","heading":null,"page":22,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/all-in-one-home-protector-policy-irdan106rp0064v03201819/document/8716#c-14-a-5"}],"law":[]},{"key":"contents_cover","label":"Contents cover","section":"Cover","meaning":"Cover for household goods, jewellery and valuables, and limits.","status":"quote-verified","value":"Home Contents cover includes general contents, while valuable contents are not covered unless the optional valuable contents cover is purchased. The built-in general contents cover is 20% of the Home Building sum insured, subject to a maximum of ₹10 Lakh, when both building and contents cover are opted; a higher contents sum insured or valuable contents cover requires declaration or optional cover as stated.","display":"General contents covered; built-in 20% of Home Building SI up to ₹10 Lakh if both covers opted; valuables only with optional cover on agreed value basis","note":null,"quote":"Home Contents may consist of General Contents and/or Valuable Contents. ... We cover the physical loss or damage to or destruction of the General Contents of Your Home caused by an Insured Event as listed in Clause 1 of this Policy. Valuable Contents of Your Home are not covered under this Policy unless You have purchased the optional cover for the Valuable Contents. ... The policy has a built-in cover for the General Contents of Your home equal to 20% of the Sum Insured for Home Building Cover subject to a maximum of ₹10 Lakh (Rupees Ten Lakh) provided You have opted for both Home Building and Home Contents cover. ... For Valuable Contents, a value may be agreed upon by You and Us based on a valuation certificate submitted by You and accepted by Us.","sources":[{"clause":"Part A","heading":"CONTENTS .","page":18,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/all-in-one-home-protector-policy-irdan106rp0064v03201819/document/8716#c-part-a"},{"clause":null,"heading":"Clause 3: Home Contents Cover","page":23,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/all-in-one-home-protector-policy-irdan106rp0064v03201819/document/8716#c-clause-3-home-contents-cover"},{"clause":"14(b)","heading":null,"page":23,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/all-in-one-home-protector-policy-irdan106rp0064v03201819/document/8716#c-14-b-8"},{"clause":"14(a)","heading":null,"page":24,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/all-in-one-home-protector-policy-irdan106rp0064v03201819/document/8716#c-14-a-10"}],"law":[]},{"key":"burglary","label":"Burglary and theft","section":"Cover","meaning":"Whether burglary is covered.","status":"quote-verified","value":"Burglary and theft are covered under Section 2 for loss or damage to insured property at your home or the place of stay of your children, including theft or attempted theft involving violent and forcible entry into or exit from the insured premises, robbery and dacoity. The section states an excess of 5% of claim amount subject to a minimum of Rs.500 for the theft item.","display":"Covered under Section 2, including theft/attempted theft, larceny, violent and forcible entry/exit, robbery and dacoity; excess 5% min Rs.500 for theft item","note":null,"quote":"In the event of loss/damage directly caused by Insured perils listed hereunder and subject to its not being otherwise excluded, We will indemnify You against such loss/ damage to property Insured at Your Home or place of stay of Your children. 1. Theft or attempted theft including larceny by domestic servant and other persons having authorized access to the premises, theft or attempted theft involving violent and forcible entry into or exit from the Insured premises, robbery and dacoity. ... An excess of 5% (five percent) of claim amount subject to a minimum of Rs. 500 (Rupees five hundred) in case of Item 1 of What is covered under this section.","sources":[{"clause":null,"heading":"PROPERTY INSURED","page":27,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/all-in-one-home-protector-policy-irdan106rp0064v03201819/document/8716#c-property-insured-3"}],"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":null,"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":"Home Building sum insured is based on the prevailing cost of construction at the commencement date. General Contents sum insured must be enough to cover replacement cost, Valuable Contents can be on agreed value basis with valuation certificate, and Fine Arts total loss is settled at the value agreed by the insurer and shown in the schedule.","display":"Building: prevailing Cost of Construction; general contents: replacement cost; valuable contents and fine arts: agreed value basis where applicable","note":null,"quote":"The Sum Insured for the Home Building Cover is the prevailing Cost of Construction of Your Home Building at the Commencement Date as declared by You and accepted by Us ... The Sum Insured You have chosen for General Contents must be enough to cover the cost of replacement of the General Contents. ... For Valuable Contents, a value may be agreed upon by You and Us based on a valuation certificate submitted by You and accepted by Us. ... Total loss - For items individually listed, the value agreed by Us and shown in the Schedule. We will not be liable for more than the agreed value, which is the Sum Insured.","sources":[{"clause":"14(a)","heading":null,"page":22,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/all-in-one-home-protector-policy-irdan106rp0064v03201819/document/8716#c-14-a-5"},{"clause":"14(d)","heading":null,"page":23,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/all-in-one-home-protector-policy-irdan106rp0064v03201819/document/8716#c-14-d-3"},{"clause":"14(a)","heading":null,"page":24,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/all-in-one-home-protector-policy-irdan106rp0064v03201819/document/8716#c-14-a-10"},{"clause":"2","heading":"BASIS OF CLAIM SETTLEMENT","page":37,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/all-in-one-home-protector-policy-irdan106rp0064v03201819/document/8716#c-2-6"}],"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":"Underinsurance does not apply to this policy, so if the sum insured calculated from your information is less than the actual value at risk, the difference will not affect the amount paid.","display":"Underinsurance does not apply","note":null,"quote":"Underinsurance does not apply to this Policy. Thus, if Your Sum Insured calculated on the basis of the information that You provided, is less than the actual value at risk, the difference will not affect the amount We pay.","sources":[{"clause":null,"heading":"Clause C. Waiver of Underinsurance","page":13,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/all-in-one-home-protector-policy-irdan106rp0064v03201819/document/8716#c-clause-c-waiver-of-underinsurance"}],"law":[]}],"documents":[{"kind":"wording","label":"All in One Home Protector","pages":65,"fetched_at":"2026-10-17 19:47:23+00","source_url":"https://www.iffcotokio.co.in/content/dam/iffcotokio/iffco-pdf/sites/default/files/all-in-one-home-protector-policy-wording.pdf","url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/all-in-one-home-protector-policy-irdan106rp0064v03201819/document/8716"},{"kind":"wording","label":"All In One Home Protector Policy (IRDAI copy)","pages":63,"fetched_at":"2026-10-20 00:26:03+00","source_url":"https://irdai.gov.in/documents/37343/993134/IRDAN106RP0064V02201819.pdf/f69cba08-0d81-6422-aaa5-cf89450c7223?version=1.1&t=1668844719731&download=true","url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/all-in-one-home-protector-policy-irdan106rp0064v03201819/document/23467"},{"kind":"prospectus","label":"All In One Home Protector Policy","pages":14,"fetched_at":"2026-10-17 19:45:30+00","source_url":"https://www.iffcotokio.co.in/content/dam/iffcotokio/prospectus/home/all_in_one_home_protector.pdf","url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/all-in-one-home-protector-policy-irdan106rp0064v03201819/document/8653"}],"versions":[{"uin":"IRDAN106RP0064V02201819","version":null,"approved_on":null},{"uin":"IRDAN106RP0064V03201819","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":"All In One Home Protector Policy (UIN IRDAN106RP0064V03201819), IndiaInsurances, https://indiainsurances.com/policy/iffco-tokio-general-insurance/all-in-one-home-protector-policy-irdan106rp0064v03201819"}