{"uin":"IRDAN108CP0006V01202021","name":"Gadget Care Policy","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/gadget-care-policy-irdan108cp0006v01202021","insurer":{"slug":"tata-aig-general-insurance","name":"Tata AIG General Insurance Company Limited","url":"https://indiainsurances.com/insurer/tata-aig-general-insurance"},"line":"general","category":"other-general","category_name":"Other general insurance","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Gadget Care Policy indemnifies manufacturers, retailers, distributors or service providers for financial liability under service contracts for covered equipment. It covers repair or replacement for Accidental Damage or Screen Damage and/or Burglary, Theft, Robbery and Misplacement, subject to schedule limits, deductible and depreciation.","analysis":{"state":"machine","analysed_at":"2026-10-20 06:20:22.914366+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 describe selectable coverages in the Policy Schedule, 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":"The wording references cancellation scales for 1 Year Policy, 2 Year Policy and 3 Year Policy. The Policy Period for a particular insured is specified in the Policy Schedule.","display":"1 Year Policy, 2 Year Policy and 3 Year Policy are referenced","note":"The exact Policy Period is specified in the Policy Schedule.","quote":"3 Year Policy | Premium to be deducted\nCancellation of policy<= 6 months | 25%\nCancellation of policy > 6 months & < = 1 Year | 50%\nCancellation of policy >1 year & <=2 years | 75%\nCancellation of policy >2 years & <=3 years | 100% ... 2 Year Policy\nCancellation of policy<= 6 months | 25% ... 1 Year Policy\nCancellation of policy <=3 months | 25%","sources":[{"clause":"13.2","heading":"Short period scale for Premium Retention due to cancellation","page":6,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/gadget-care-policy-irdan108cp0006v01202021/document/16811#c-13-2-2"},{"clause":null,"heading":"2 Year Policy","page":6,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/gadget-care-policy-irdan108cp0006v01202021/document/16811#c-2-year-policy"}],"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":"You must immediately give notice of the loss or damage. For Burglary, Theft, Misplacement and Robbery, a police FIR must be filed within 24 hours, and for mobile phone and tablet claims the equipment should be locked within 24hrs through the OEM tracking application.","display":"Immediately; FIR within 24 hours for Burglary, Theft, Misplacement and Robbery; mobile/tablet lock within 24hrs","note":null,"quote":"To file a claim, You must immediately give notice to us of the loss or damage. If You do not give such notice on time, We may refuse to pay Your claim. ... In cases of Burglary, Theft, Misplacement and Robbery of the Equipment, a police FIR (First Information Report) needs to be filed within 24 hours of occurrence of such an Incident. ... In case Burglary, Theft, Robbery or Misplacement of mobile phone and tablet Equipment, the mobile phone and tablet Equipment should be locked within 24hrs of occurrence of such an Incident via the tracking application and online account provided by OEM(Manufacturer)","sources":[{"clause":"12","heading":"Notice of Claim","page":6,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/gadget-care-policy-irdan108cp0006v01202021/document/16811#c-12-2"},{"clause":"2","heading":null,"page":4,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/gadget-care-policy-irdan108cp0006v01202021/document/16811#c-2-3"},{"clause":"3","heading":null,"page":4,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/gadget-care-policy-irdan108cp0006v01202021/document/16811#c-3-2"}],"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":["police FIR (First Information Report)","books of accounts","receipts","documents relating to or containing entries relating to the loss"],"display":"Police FIR for Burglary/Theft/Misplacement/Robbery; books of accounts, receipts and loss documents if required","note":null,"quote":"In cases of Burglary, Theft, Misplacement and Robbery of the Equipment, a police FIR (First Information Report) needs to be filed within 24 hours of occurrence of such an Incident. ... The Insured shall, on being required to do so by the Company, produce all books of accounts, receipts, documents relating to or containing entries relating to the loss","sources":[{"clause":"2","heading":null,"page":4,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/gadget-care-policy-irdan108cp0006v01202021/document/16811#c-2-3"},{"clause":"8","heading":"Right to Inspect","page":5,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/gadget-care-policy-irdan108cp0006v01202021/document/16811#c-8-2"}],"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":"The Company shall settle or reject a claim within 30 days from the date of receipt of the last necessary document. For delay in payment, interest is payable from the date of receipt of the last necessary document to the date of payment at 2% above the bank rate.","display":"Settle or reject within 30 days from receipt of last necessary document; delay interest at 2% above bank rate","note":null,"quote":"i) The Company shall settle or reject a claim within 30 days from the date of receipt of last necessary document.\nii) In the case of delay in the payment of a claim, the Company shall be liable to pay interest to the policyholder from the date of receipt of last necessary document to the date of payment of claim at a rate 2% above the bank rate.","sources":[{"clause":"6","heading":"Claim Settlement (provision for Penal Interest)","page":5,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/gadget-care-policy-irdan108cp0006v01202021/document/16811#c-6-2"}],"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":["Any fraudulent or willful act.","Any damage caused by the process of cleaning, dyeing or bleaching, restoring, servicing, preventative maintenance, adjustment, repair or misuse of the Equipment.","Any damage to the Equipment caused by a natural catastrophe, atmospheric or climatic conditions, normal wear and tear, manufacturing defects, moth, vermin or insects.","Any damage to the equipment caused by fire and explosion/implosion.","Any cosmetic damage including but not limited to marring, scratching, discoloration or any type of damage or failure that doesn't affect how the Equipment works.","Any loss or damage to accessories used in connection with the Equipment that were not designed to be used specifically with such portable electrical or electronic equipment and which are not part of the covered Equipment.","Any loss suffered or cost incurred as a result of loss of value, loss of use, loss of personalized data, customized software, or information stored in memories, or any consequential loss","Any damage to the Equipment caused by any war, invasion, act of foreign enemy, hostilities or war like operation","Any damage to the Equipment caused by nuclear, biological or chemical exposure.","The failure of the Equipment, or a part thereof, caused by electrical or mechanical defect.","Mysterious disappearance of any kind","Terrorism","Any infectious disease, virus, bacterium or other microorganism","Coronavirus {COVID-19) including any mutation or variation thereof","Any pre-existing damage to the Equipment."],"display":"Fraud/wilful acts, servicing or misuse damage, natural catastrophe and wear and tear, fire/explosion, cosmetic damage, non-covered accessories, data and consequential loss, war, nuclear/biological/chemical exposure, electrical or mechanical defect, mysterious disappearance, terrorism, infectious disease/COVID-19/pandemic, and pre-existing damage","note":null,"quote":"Any fraudulent or willful act. ... Any damage caused by the process of cleaning, dyeing or bleaching, restoring, servicing, preventative maintenance, adjustment, repair or misuse of the Equipment. ... Any damage to the Equipment caused by a natural catastrophe, atmospheric or climatic conditions, normal wear and tear, manufacturing defects, moth, vermin or insects. ... Any damage to the equipment caused by fire and explosion/implosion. ... Any cosmetic damage including but not limited to marring, scratching, discoloration or any type of damage or failure that doesn't affect how the Equipment works. ... Any loss or damage to accessories used in connection with the Equipment that were not designed to be used specifically with such portable electrical or electronic equipment and which are not part of the covered Equipment. ... Any loss suffered or cost incurred as a result of loss of value, loss of use, loss of personalized data, customized software, or information stored in memories, or any consequential loss ... Any damage to the Equipment caused by any war, invasion, act of foreign enemy, hostilities or war like operation ... Any damage to the Equipment caused by nuclear, biological or chemical exposure. ... The failure of the Equipment, or a part thereof, caused by electrical or mechanical defect. ... Mysterious disappearance of any kind ... Terrorism: This Policy excludes loss, damage, cost or expense of whatsoever nature directly or indirectly caused by, resulting from or in connection with any act of terrorism regardless of any other cause or event contributing concurrently or in any other sequence to the loss. ... Any infectious disease, virus, bacterium or other microorganism (whether asymptomatic or not); or Coronavirus {COVID-19) including any mutation or variation thereof; or Pandemic or epidemic, as declared as such by the World Health Organization or a governmental health authority. ... Any pre-existing damage to the Equipment.","sources":[{"clause":null,"heading":"Section Ill: Exclusions","page":3,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/gadget-care-policy-irdan108cp0006v01202021/document/16811#c-section-ill-exclusions"}],"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 complain to Tata AIG's 24X7 Customer Support number or customer service desk email. You can also write to the Grievance Redressal Officer or visit the servicing branch before approaching the Insurance Ombudsman.","display":"24X7 Customer Support No. 022 6489 8282 or customersupport@tataaig.com; then Grievance Redressal Officer/servicing branch","note":null,"quote":"if You are not satisfied with Our services and wish to lodge a complaint, please feel free to call Our 24X7 Customer Support No. 022 6489 8282 or You may email to the customer service desk at customersupport@tataaig.com. ... You can send Your grievance in writing by post or email to Our Grievance Redressal Officer at the following address: Customer Support, Tata AIG General Insurance Company Limited 7th and 8th Floor, Romell Tech Park, Cama Industrial Estate, Western Express Highway, Goregaon(E), Mumbai, Maharashtra 400063\nE-mail: customersupport@tataaig.com\nVisit the Servicing Branch mentioned in the policy document ... If the Insured person is not satisfied with the redressal of grievance through above methods, the Insured Person may also approach the office of Insurance Ombudsman","sources":[{"clause":"14","heading":"Renewal","page":7,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/gadget-care-policy-irdan108cp0006v01202021/document/16811#c-14-2"},{"clause":null,"heading":"Our Grievance Redressal Officer","page":7,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/gadget-care-policy-irdan108cp0006v01202021/document/16811#c-our-grievance-redressal-officer"},{"clause":null,"heading":"Insurance Ombudsman","page":7,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/gadget-care-policy-irdan108cp0006v01202021/document/16811#c-insurance-ombudsman"}],"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":["Accidental Damage","Screen Damage","Burglary","Theft","Robbery","Misplacement"],"display":"Accidental Damage or Screen Damage; Burglary, Theft, Robbery or Misplacement","note":"Only one of Accidental Damage or Screen Damage applies, as specified in the Policy Schedule.","quote":"Accidental Damage: In case of Accidental Damage to the Equipment(s) during the Cover Period, We will pay the costs of repair of the Equipment(s) or if not repairable pay the cost of UIN- IRDAN108CP0006V01202021\nPOLICY WORDINGS\nReplacement of the Equipment(s) ... Screen Damage: In case of Damage to the screen of the Equipment during the cover period, We will pay the costs of repair including replacement of the damaged screen ... Burglary, Theft, Robbery or Misplacement : In case of loss of the Equipment due to Burglary, Theft, Robbery or Misplacement during the Cover Period, We will pay the cost of Replacement of the Equipment","sources":[{"clause":"2.1","heading":"Accidental Damage or Screen Damage (Only one of these coverages is applicable and would be","page":2,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/gadget-care-policy-irdan108cp0006v01202021/document/16811#c-2-1"},{"clause":"2.2","heading":"Burglary, Theft, Robbery or Misplacement","page":3,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/gadget-care-policy-irdan108cp0006v01202021/document/16811#c-2-2-2"}],"law":[]},{"key":"deductible","label":"Deductible or excess","section":"Limits and co-pay","meaning":"Amount of each claim you bear.","status":"quote-verified","value":"If appearing on the Policy Schedule, the deductible is the amount borne by the insured for each claim. The Company's payment liability is in excess of the deductible opted.","display":"If in the Policy Schedule, borne by the insured for each claim; insurer pays in excess of the Deductible opted","note":"The actual deductible amount is as opted in the Policy Schedule.","quote":"Deductible means if appearing on the Policy Schedule, the amount which shall be borne by the Insured in respect of each claim made under this Policy. The Company's liability to make any payment under the Policy is in excess of the Deductible opted.","sources":[{"clause":"5","heading":"Deductible","page":1,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/gadget-care-policy-irdan108cp0006v01202021/document/16811#c-5"}],"law":[]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"conflicting","value":"The policy wording says you can cancel at any time by giving notice, with refund after retaining premium on the short period scale. Retention shown is 25%, 50%, 75% or 100% depending on policy term and elapsed time.","display":"Refund after short-period retention of 25%, 50%, 75% or 100%, depending on policy term and elapsed time","note":"The prospectus says: 'You can cancel this Policy at any time by giving us 15 days notice.' It also says: 'No refund of premium will be made on those Service Contracts/Equipments that have a claim reported under it or have a claim settled under it, prior to the date of cancellation.'","quote":"You can cancel this Policy at any time by giving us notice. We will refund the premium after retaining premium on short period scale given below: ... 3 Year Policy | Premium to be deducted\nCancellation of policy<= 6 months | 25%\nCancellation of policy > 6 months & < = 1 Year | 50%\nCancellation of policy >1 year & <=2 years | 75%\nCancellation of policy >2 years & <=3 years | 100% ... 2 Year Policy\nCancellation of policy<= 6 months | 25%\nCancellation of Policy > 6 months & < = 1 year | 50%\nCancellation of policy >1 year & <=1.5 years | 75%\nCancellation of Policy> 1.5 Years | 100%\n1 Year Policy\nCancellation of policy <=3 months | 25%\nCancellation of policy >3 months & <=6 months | 50%\nCancellation of Policy> 6 months & < = 9 months | 75%\nCancellation of policy> 9 months | 100% ... You can cancel this Policy at any time by giving us 15 days notice. ... No refund of premium will be made on those Service Contracts/Equipments that have a claim reported under it or have a claim settled under it, prior to the date of cancellation.","sources":[{"clause":"13.1","heading":null,"page":6,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/gadget-care-policy-irdan108cp0006v01202021/document/16811#c-13-1"},{"clause":"13.2","heading":"Short period scale for Premium Retention due to cancellation","page":6,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/gadget-care-policy-irdan108cp0006v01202021/document/16811#c-13-2-2"},{"clause":null,"heading":"2 Year Policy","page":6,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/gadget-care-policy-irdan108cp0006v01202021/document/16811#c-2-year-policy"},{"clause":"7.1","heading":null,"page":3,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/gadget-care-policy-irdan108cp0006v01202021/document/16739#c-7-1"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"not-stated","value":null,"display":null,"note":"The wording defines Geographical Limits as the region mentioned in the Policy Schedule, but the documents provided do not state the actual geographic area of cover.","quote":null,"sources":[],"law":[]},{"key":"subject_covered","label":"What is insured","section":"Cover","meaning":"The thing or risk this policy covers.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]}],"documents":[{"kind":"wording","label":"Gadget Care Policy(IRDAN108CP0006V01202021 )","pages":10,"fetched_at":"2026-10-17 20:05:58+00","source_url":"https://www.tataaig.com/s3/Gadget_Care_Policy_7209ea88cc.pdf","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/gadget-care-policy-irdan108cp0006v01202021/document/16811"},{"kind":"wording","label":"Gadget Care+ (IRDAN108RPMS0032V01202526)","pages":11,"fetched_at":"2026-10-17 20:06:07+00","source_url":"https://www.tataaig.com/s3/gc_policy_wordings_with_uin_1af2b3e5a9.pdf","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/gadget-care-policy-irdan108cp0006v01202021/document/16814"},{"kind":"prospectus","label":"Gadget Care Policy(IRDAN108CP0006V01202021 )","pages":5,"fetched_at":"2026-10-17 20:02:09+00","source_url":"https://www.tataaig.com/s3/Gadget_Care_Policy_Prospectus_df73c9a597.pdf","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/gadget-care-policy-irdan108cp0006v01202021/document/16739"},{"kind":"prospectus","label":"Gadget Care+ (IRDAN108RPMS0032V01202526)","pages":4,"fetched_at":"2026-10-17 20:02:25+00","source_url":"https://www.tataaig.com/s3/gc_prospectus_with_uin_eedcde6286.pdf","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/gadget-care-policy-irdan108cp0006v01202021/document/16743"},{"kind":"cis","label":"Gadget Care+ (IRDAN108RPMS0032V01202526)","pages":5,"fetched_at":"2026-10-17 20:01:20+00","source_url":"https://www.tataaig.com/s3/gc_cis_with_uin_ca1cb4af50.pdf","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/gadget-care-policy-irdan108cp0006v01202021/document/16724"},{"kind":"proposal","label":"Gadget Care+ (IRDAN108RPMS0032V01202526)","pages":null,"fetched_at":"2026-10-17 20:12:01+00","source_url":"https://www.tataaig.com/s3/gc_group_proposal_form_with_uin_5d04dc3769.pdf","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/gadget-care-policy-irdan108cp0006v01202021/document/31854"},{"kind":"claim-form","label":"Gadget Care+ (IRDAN108RPMS0032V01202526)","pages":null,"fetched_at":"2026-10-17 20:00:38+00","source_url":"https://www.tataaig.com/s3/gadget_care_claims_manual_b99a04e853.pdf","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/gadget-care-policy-irdan108cp0006v01202021/document/31773"}],"versions":[{"uin":"IRDAN108RPMS0032V01202526","version":null,"approved_on":null},{"uin":"IRDAN108CP0006V01202021","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Tata AIG General Insurance official website","url":"https://www.tataaig.com/","note":"Buy directly from the insurer."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"insurer","name":"Claims process","url":"https://www.tataaig.com/claims-process","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 policy","url":"https://www.tataaig.com/grievance-redressal-policy","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."}],"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":"Gadget Care Policy (UIN IRDAN108CP0006V01202021), IndiaInsurances, https://indiainsurances.com/policy/tata-aig-general-insurance/gadget-care-policy-irdan108cp0006v01202021"}