{"uin":"IRDAN108CP0047V01201819","name":"Personal Extended Protection Policy- Commercial","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/personal-extended-protection-policy-commercial-irdan108cp0047v01201819","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":"The policy covers identity theft, fraudulent charges, ATM robbery, lost wallet, trip liability and effects, home burglary while away, price protection, purchase protection, key replacement and card-not-lost fraudulent charges. The maximum policy period is one year, and claim intimation deadlines vary by cover from 6 hours to 15 days.","analysis":{"state":"machine","analysed_at":"2026-10-20 06:20:18.599666+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":"No named plans are stated; the documents describe cover sections and coverages.","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 maximum policy period is one year.","display":"Maximum policy period is one year","note":null,"quote":"E. Policy Period The maximum policy period for this policy is one year. This coverage will continue as long as the premium is paid, except if coverage is otherwise cancelled under this policy.","sources":[{"clause":null,"heading":"B. Valid Account","page":15,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/personal-extended-protection-policy-commercial-irdan108cp0047v01201819/document/16804#c-b-valid-account"}],"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":"Claim intimation varies by cover from 6 hours to 15 days. Identity theft is 15 days, trip liability and trip effects are 7 days, home protection while away is 6 hours, and several other covers require intimation within 24 hours or 24 hrs.","display":"Varies by cover: 6 hours to 15 days","note":"The deadlines are cover-specific.","quote":"Call us at 18002097899 or provide written intimation to make a claim within 15 days of discovering the identity theft ... You shall call us at18002097899or provide written intimation to make a claim and obtain the proper forms and instructions within 24 hours from discovering an unauthorized charge was made on your lost or stolen payment card / sim card ... You shall contact us at 18002097899or provide written intimation within 24 hours from the robbery ... You shall contact us at 18002097899 or provide written intimation within 24 hours from the discovery of the incident ... You shall call us at 18002097899 or provide written intimation within 7 days from the loss occurrence ... You shall call us at 18002097899 or provide written intimation within 7 days of discovering the loss ... You shall call us at 18002097899 or provide written intimation within 6 hours of discovering the loss ... You shall contact us at 18002097899 or provide written intimation within 24 hrs. of discovery of loss ... You shall contact us at18002097899or provide written intimation within 24 hours of your discovery of the theft or damage ... You shall call us at 18002097899 or provide written intimation within 24 hrs. of discovering the loss ... Contact us at 18002097899 within 24 hours of your discovery of a loss","sources":[{"clause":"9(IV)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/personal-extended-protection-policy-commercial-irdan108cp0047v01201819/document/16804#c-9-iv"},{"clause":null,"heading":"2. Fraudulent charge","page":4,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/personal-extended-protection-policy-commercial-irdan108cp0047v01201819/document/16804#c-2-fraudulent-charge"},{"clause":"11(IV)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/personal-extended-protection-policy-commercial-irdan108cp0047v01201819/document/16804#c-11-iv"},{"clause":null,"heading":"3. Home Protection while you are away","page":9,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/personal-extended-protection-policy-commercial-irdan108cp0047v01201819/document/16804#c-3-home-protection-while-you-are-away"},{"clause":"4(IV)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/personal-extended-protection-policy-commercial-irdan108cp0047v01201819/document/16804#c-4-iv"},{"clause":null,"heading":"2. Purchase protection","page":12,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/personal-extended-protection-policy-commercial-irdan108cp0047v01201819/document/16804#c-2-purchase-protection"},{"clause":null,"heading":"3. Key replacement coverage","page":13,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/personal-extended-protection-policy-commercial-irdan108cp0047v01201819/document/16804#c-3-key-replacement-coverage"},{"clause":null,"heading":"Fraudulent Charge (card not lost)","page":16,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/personal-extended-protection-policy-commercial-irdan108cp0047v01201819/document/16804#c-fraudulent-charge-card-not-lost"}],"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":["claims forms","authorization for us to obtain records and other information such as credit reports","proof from your employer that you took unpaid days off","demands, notices, summonses, complaints, or legal papers","medical bills","police reports","receipts","An original receipt","The printed advertisement proving the difference in price between your item and the same, lower priced item","police reports and/or the repair estimate (for damage claim only)","receipts for replacing locks and/or keys","documentation from the payment card issuer(s) verifying the unauthorized charges"],"display":"Claim forms, authorisations/records, employer proof, legal papers, medical bills, police reports, receipts/original receipts, printed advertisement, repair estimate, lock/key receipts and card-issuer verification","note":"Document requirements differ by cover and type of loss.","quote":"Complete and return any claims forms including an authorization for us to obtain records and other information such as credit reports (if applicable) ... submit proof from your employer that you took unpaid days off ... Send us copies of any demands, notices, summonses, complaints, or legal papers received in connection with a covered loss ... medical bills, police reports, and any other documents we may ask you to provide ... receipts, police reports, and any other documents we may ask you to provide ... a) An original receipt ... b) The printed advertisement proving the difference in price between your item and the same, lower priced item ... police reports and/or the repair estimate (for damage claim only) ... receipts for replacing locks and/or keys, and any other documents we may ask you to provide ... documentation from the payment card issuer(s) verifying the unauthorized charges for which you are held responsible","sources":[{"clause":"9(IV)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/personal-extended-protection-policy-commercial-irdan108cp0047v01201819/document/16804#c-9-iv"},{"clause":null,"heading":"2. Fraudulent charge","page":4,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/personal-extended-protection-policy-commercial-irdan108cp0047v01201819/document/16804#c-2-fraudulent-charge"},{"clause":"4(IV)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/personal-extended-protection-policy-commercial-irdan108cp0047v01201819/document/16804#c-4-iv"},{"clause":null,"heading":"2. Purchase protection","page":12,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/personal-extended-protection-policy-commercial-irdan108cp0047v01201819/document/16804#c-2-purchase-protection"},{"clause":null,"heading":"3. Key replacement coverage","page":13,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/personal-extended-protection-policy-commercial-irdan108cp0047v01201819/document/16804#c-3-key-replacement-coverage"},{"clause":null,"heading":"Fraudulent Charge (card not lost)","page":16,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/personal-extended-protection-policy-commercial-irdan108cp0047v01201819/document/16804#c-fraudulent-charge-card-not-lost"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Losses that do not occur within the policy period","Losses that result from or related to business pursuits including your work or profession","Losses caused by illegal acts","Losses that you have intentionally caused","Losses that result from the direct actions of a relative, or actions that a relative knew of or planned.","Losses due to war, invasion, act of foreign enemy, hostilities or warlike operations","Losses due to the order of any government, public authority, or customers’ officials.","Losses due to ionising radiations contamination by radio activity from any nuclear fuel","Losses due to nuclear weapons material.","loss, damage cost or expense of whatsoever nature directly or indirectly caused by, resulting from or in connection with any act of terrorism"],"display":"Policy period, business pursuits, illegal acts, intentional acts, relatives’ actions, war/hostilities, government orders, nuclear/radioactivity and terrorism exclusions","note":null,"quote":"We will not cover the following:\nA. Losses that do not occur within the policy period; B. Losses that result from or related to business pursuits including your work or profession; C. Losses caused by illegal acts; D. Losses that you have intentionally caused; E. Losses that result from the direct actions of a relative, or actions that a relative knew of or planned. F. Losses due to war, invasion, act of foreign enemy, hostilities or warlike operations (whether war has been declared or not), civil war, rebellion, revolution, insurrection, civil commotion, uprising, military or usurped power, martial law, riot or the act of any lawfully constituted authority. G. Losses due to the order of any government, public authority, or customers’ officials. H. Losses due to ionising radiations contamination by radio activity from any nuclear fuel or from any nuclear waste from the combustion (including any self sustaining process of nuclear fission)of nuclear fuel. ... J. Losses due to nuclear weapons material. K. Terrorism Exclusion Warranty Notwithstanding any provision to the contrary within this insurance it is agreed that this insurance excludes loss, damage cost or expense of whatsoever nature directly or indirectly caused by, resulting from or in connection with any act of terrorism","sources":[{"clause":null,"heading":"3. Key replacement coverage","page":13,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/personal-extended-protection-policy-commercial-irdan108cp0047v01201819/document/16804#c-3-key-replacement-coverage"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"First call the 24*7 Customer Support No. 022 6489 8282 or email customersupport@tataaig.com. If not satisfied, escalate to manager.customersupport@tataaig.com and then to head.customerservices@tataaig.com before approaching the Insurance Ombudsman.","display":"Call 022 6489 8282 or email customersupport@tataaig.com; escalate to manager.customersupport@tataaig.com and then head.customerservices@tataaig.com","note":null,"quote":"If you’re not satisfied and wish to lodge a complaint, please call our 24*7 Customer Support No.: 022 6489 8282 email us at customersupport@tataaig.com. ... If you do not receive a response or are not satisfied with the resolution, please contact us at manager.customersupport@tataaig.com. ... If you still need assistance, reach out to the Head of Customer Services at head.customerservices@tataaig.com. ... If you're still not satisfied after this process, you may approach the Insurance Ombudsman of concerned jurisdiction.","sources":[{"clause":null,"heading":"SECTION - Grievance Lodgment Stage Redressal of Grievance","page":18,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/personal-extended-protection-policy-commercial-irdan108cp0047v01201819/document/16804#c-section-grievance-lodgment-stage-redressal-of-gr"},{"clause":null,"heading":"Escalation Level 1","page":18,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/personal-extended-protection-policy-commercial-irdan108cp0047v01201819/document/16804#c-escalation-level-1"},{"clause":null,"heading":"Escalation Level 2","page":18,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/personal-extended-protection-policy-commercial-irdan108cp0047v01201819/document/16804#c-escalation-level-2"}],"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":["expenses resulting from your efforts to resolve your identity theft","unauthorized charges on your lost or stolen payment card / sim card","ATM Robbery","lost or stolen wallet","accidental bodily injury and property damages to third parties during your trip travel time","loss, theft or accidental damage to your personal luggage, personal effects and personal papers","burglary at your residence during your trip travel time","difference between the price you paid with your payment card or paid otherwise for an item and a lower printed advertised price","loss due to burglary, theft or accidental damage","cost of replacing your residence and/or your vehicle keys which are lost or stolen","unauthorized charges are made on your bank account and/or credit account"],"display":"Identity theft, lost/stolen card or SIM fraudulent charges, ATM robbery, lost wallet, trip liability, trip effects, home burglary while away, price protection, purchase protection, key replacement and card-not-lost fraudulent charges","note":"Some covers apply only when payment card use, trip, time period or other coverage conditions are met.","quote":"We will pay for your expenses resulting from your efforts to resolve your identity theft ... If your payment card / sim card as specified in the schedule is lost or stolen, we will reimburse the unauthorized charges ... ATM Robbery – We will reimburse you for the money you withdrew from any ATM around the world using your payment card against a robbery event that occurs within 15 minutes of the withdrawal of the money. ... We will cover you for the following when your wallet is lost or stolen ... We will pay your liability in respect of accidental bodily injury and property damages to third parties during your trip travel time ... the loss, theft or accidental damage to your personal luggage, personal effects and personal papers ... due to burglary at your residence during your trip travel time ... We will reimburse you for the difference between the price you paid with your payment card or paid otherwise for an item and a lower printed advertised price ... We will cover items that you purchase with your payment card or otherwise from loss due to burglary, theft or accidental damage ... Key Replacement – We will reimburse you for the cost of replacing your residence and/or your vehicle keys which are lost or stolen. ... if your payment card is still in your possession and unauthorized charges are made on your bank account and/or credit account","sources":[{"clause":"9(I)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/personal-extended-protection-policy-commercial-irdan108cp0047v01201819/document/16804#c-9-i"},{"clause":null,"heading":"2. Fraudulent charge","page":4,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/personal-extended-protection-policy-commercial-irdan108cp0047v01201819/document/16804#c-2-fraudulent-charge"},{"clause":"11(I)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/personal-extended-protection-policy-commercial-irdan108cp0047v01201819/document/16804#c-11-i"},{"clause":"11(IV)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/personal-extended-protection-policy-commercial-irdan108cp0047v01201819/document/16804#c-11-iv"},{"clause":null,"heading":"3. Home Protection while you are away","page":9,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/personal-extended-protection-policy-commercial-irdan108cp0047v01201819/document/16804#c-3-home-protection-while-you-are-away"},{"clause":"4(I)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/personal-extended-protection-policy-commercial-irdan108cp0047v01201819/document/16804#c-4-i"},{"clause":null,"heading":"2. Purchase protection","page":12,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/personal-extended-protection-policy-commercial-irdan108cp0047v01201819/document/16804#c-2-purchase-protection"},{"clause":null,"heading":"3. Key replacement coverage","page":13,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/personal-extended-protection-policy-commercial-irdan108cp0047v01201819/document/16804#c-3-key-replacement-coverage"},{"clause":null,"heading":"Fraudulent Charge (card not lost)","page":16,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/personal-extended-protection-policy-commercial-irdan108cp0047v01201819/document/16804#c-fraudulent-charge-card-not-lost"}],"law":[]},{"key":"deductible","label":"Deductible or excess","section":"Limits and co-pay","meaning":"Amount of each claim you bear.","status":"not-stated","value":null,"display":null,"note":"The wording only says the deductible amount is shown in the Policy Schedule; the amount is not stated in the provided documents.","quote":null,"sources":[],"law":[]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"You may cancel by giving 15 days written notice. The insurer refunds a portion of premium on short period rates for the remaining policy period, subject to retention of the minimum premium, but no refund is given if you have made any claim before the cancellation date.","display":"15 days written notice; refund on short period rates for remaining period, subject to minimum premium; no refund if a claim was made","note":"Minimum premium is Rs.50; short-period rates are 1/4th of annual rate up to 1 month, 1⁄2 up to 3 months, 3/4th up to 6 months, and full annual rate beyond 6 months.","quote":"You may cancel this policy by giving us 15 days written notice and we shall then refund a portion of the premium on short period rates for the remaining policy period , subject to our retention of the minimum premium. However, if you have made any claim on this policy before the cancellation date then no refund of premium will be given. ... M. Minimum Premium means the amount of Rs.50. N. Short Period Rates means\nPeriod | % of annual Premium\nNot exceeding 1 month | 1/4th of annual rate\nPage 1 of 19\nExceeding 1 month but not exceeding 3 month | 1⁄2 of annual rate\nExceeding 3 month but not exceeding 6 month | 3/4th of annual rate\nExceeding 6 month | Full annual rate","sources":[{"clause":null,"heading":"POLICY CANCELLATION/CHANGES","page":16,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/personal-extended-protection-policy-commercial-irdan108cp0047v01201819/document/16804#c-policy-cancellation-changes"},{"clause":"2(I)","heading":"Lost or Stolen","page":1,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/personal-extended-protection-policy-commercial-irdan108cp0047v01201819/document/16804#c-2-i"}],"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":"No single overall geographic territory is stated in the provided documents; some cover sections contain cover-specific location wording.","quote":null,"sources":[],"law":[]},{"key":"subject_covered","label":"What is insured","section":"Cover","meaning":"The thing or risk this policy covers.","status":"quote-verified","value":"The policy insures specified loss, damage or liability during the period of insurance. Its cover sections are Personal Identity Protection, Traveling Protection, Personal Credit Card Protection and fraudulent charge cover where the card is not lost.","display":"Specified loss, damage or liability under Personal Identity Protection, Traveling Protection, Personal Credit Card Protection and card-not-lost fraudulent charge cover","note":null,"quote":"to pay the Insured, if the insured shall sustain loss, damage or liability during the period of insurance stated herein, the amount of benefits specified herein or liability incurred ... A PERSONAL IDENTITY PROTECTION ... B TRAVELING PROTECTION ... C PERSONAL CREDIT CARD PROTECTION ... Fraudulent Charge (card not lost)","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/personal-extended-protection-policy-commercial-irdan108cp0047v01201819/document/16804#c-s1"},{"clause":"A","heading":"PERSONAL IDENTITY PROTECTION","page":2,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/personal-extended-protection-policy-commercial-irdan108cp0047v01201819/document/16804#c-a"},{"clause":"B","heading":"TRAVELING PROTECTION","page":6,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/personal-extended-protection-policy-commercial-irdan108cp0047v01201819/document/16804#c-b"},{"clause":"C","heading":"PERSONAL CREDIT CARD PROTECTION","page":10,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/personal-extended-protection-policy-commercial-irdan108cp0047v01201819/document/16804#c-c"},{"clause":null,"heading":"Fraudulent Charge (card not lost)","page":16,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/personal-extended-protection-policy-commercial-irdan108cp0047v01201819/document/16804#c-fraudulent-charge-card-not-lost"}],"law":[]}],"documents":[{"kind":"wording","label":"Personal Extended Protection Policy- Commercial(IRDAN108CP0047V01201819)","pages":19,"fetched_at":"2026-10-17 20:05:35+00","source_url":"https://www.tataaig.com/s3/personal_extended_protection_commercial_37a5d2b46d.pdf","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/personal-extended-protection-policy-commercial-irdan108cp0047v01201819/document/16804"},{"kind":"prospectus","label":"Personal Extended Protection Policy- Commercial(IRDAN108CP0047V01201819)","pages":6,"fetched_at":"2026-10-17 20:01:35+00","source_url":"https://www.tataaig.com/s3/personal_extended_protection_policy_commercial_be4ffd1397.pdf","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/personal-extended-protection-policy-commercial-irdan108cp0047v01201819/document/16729"},{"kind":"proposal","label":"Personal Extended Protection Policy- Commercial(IRDAN108CP0047V01201819)","pages":null,"fetched_at":"2026-10-17 20:11:30+00","source_url":"https://www.tataaig.com/s3/personal_extended_protection_commercial_dd841da695.pdf","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/personal-extended-protection-policy-commercial-irdan108cp0047v01201819/document/31851"}],"versions":[],"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":"Personal Extended Protection Policy- Commercial (UIN IRDAN108CP0047V01201819), IndiaInsurances, https://indiainsurances.com/policy/tata-aig-general-insurance/personal-extended-protection-policy-commercial-irdan108cp0047v01201819"}