{"uin":"IRDAN108RP0001V01202425","name":"Co-operative Housing Society - Griha Raksha","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/co-operative-housing-society-griha-raksha-irdan108rp0001v01202425","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":"home","category_name":"Home insurance","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Co-operative Housing Society - Griha Raksha is a home insurance policy for building and/or contents against listed insured events. The policy term is one year only, underinsurance does not apply, and sabotage and terrorism damage is an optional cover with an excess.","analysis":{"state":"machine","analysed_at":"2026-10-20 06:25:06.209024+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 covers, not named plan variants.","quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"You can buy the policy for one year only.","display":"One year only","note":null,"quote":"The cover protects You during the period of the policy. You can buy the policy for one year only.","sources":[{"clause":null,"heading":"How long does this cover protect me?","page":5,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/co-operative-housing-society-griha-raksha-irdan108rp0001v01202425/document/16943#c-how-long-does-this-cover-protect-me"}],"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 physical loss or damage due to an insured event. The claim form must be submitted at the earliest opportunity, but within 30 days from the date you first notice the loss or damage.","display":"Immediate notice; claim form within 30 days from first noticing the loss or damage","note":null,"quote":"As soon as any physical loss or damage occurs to Your Building or Contents due to an Insured Event, You must immediately give notice to Us of the loss or damage. ... You must submit Your claim in Our claim form at the earliest opportunity, but within 30 days from the date You first notice the loss or damage.","sources":[{"clause":"13(II)(a)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/co-operative-housing-society-griha-raksha-irdan108rp0001v01202425/document/17134#c-13-ii-a-2"},{"clause":"13(II)(a)(i)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/co-operative-housing-society-griha-raksha-irdan108rp0001v01202425/document/17134#c-13-ii-a-i"}],"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":["Claim Form duly filled in & signed","F.I.R, in case of theft post fire / loss caused by RSMD","Fire Brigade Report","Report of internal security / housing society if any","Full break up of loss being claimed,item wise material and labour","Video footage/ photograph if any","Sanctioned plan of the building by local authorities","Invoice and proof of payment for restoration","Rent agreement / receipts (applicable if loss of rent being claimed)","Documents as mentioned in the list of requirements by surveyor","CKYC no or duly filled CKYC form with PAN card, and proof of address, Society registration details","NOC from bank if the policy is subject to agreed bank clause","IFSC code and Bank account no with Scan copy cheque for insured's bank account"],"display":"Claim form, FIR where applicable, fire brigade/security reports, loss breakup, photos/video, sanctioned plan, restoration invoices, rent proof where applicable, surveyor requirements, CKYC/PAN/address and society registration details, bank NOC where applicable, and bank account details","note":null,"quote":"You shall provide Us with all documentation and information. Such documentation will include but is not limited to the following indicative list of documents:\n1. Claim Form duly filled in & signed\n2. F.I.R, in case of theft post fire / loss caused by RSMD\n3. Fire Brigade Report\n4. Report of internal security / housing society if any\n5. Full break up of loss being claimed,item wise material and labour\n6. Video footage/ photograph if any\n7. Sanctioned plan of the building by local authorities\n8. Invoice and proof of payment for restoration\n9. Rent agreement / receipts (applicable if loss of rent being claimed)\n10. Documents as mentioned in the list of requirements by surveyor ... 11. CKYC no or duly filled CKYC form with PAN card, and proof of address, Society registration details\n12. NOC from bank if the policy is subject to agreed bank clause\n13. IFSC code and Bank account no with Scan copy cheque for insured's bank account","sources":[{"clause":null,"heading":"9. Supporting Documentation","page":15,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/co-operative-housing-society-griha-raksha-irdan108rp0001v01202425/document/17134#c-9-supporting-documentation"},{"clause":"13(II)(b)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/co-operative-housing-society-griha-raksha-irdan108rp0001v01202425/document/17134#c-13-ii-b-9"}],"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":"The wording says claims are settled within policy limits and terms, but gives no promised number of days or timing from documents.","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":["Loss or damage due to Terrorism","Your deliberate, willful or intentional act or omission, or of anyone on Your behalf, or with Your connivance.","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.","Ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from combustion of nuclear fuel","Pollution or contamination","Loss, damage or destruction to any electrical/electronic machine, apparatus, fixture, or fitting by over-running, excessive pressure, short circuiting, arcing, self-heating or leakage of electricity from whatever cause","Loss or damage to bullion or unset precious stones, manuscripts, plans, drawings, securities, obligations or documents of any kind, coins or paper money, cheques, vehicles, and explosive substances unless otherwise expressly stated in the policy.","Loss of any Insured Property which is missing or has been mislaid","Loss or damage to any Insured Property removed from Your Building to any other place.","Loss of earnings, loss by delay, loss of market or other consequential or indirect loss or damage of any kind or description whatsoever.","Any reduction in market value of any Insured Property after its repair or reinstatement.","Costs, fees or expenses for preparing any claim."],"display":"Terrorism, intentional acts, war and similar events, nuclear/radiation, pollution/contamination, electrical self-damage, specified valuables/documents/vehicles/explosives, missing/mislaid property, property removed from the building, consequential losses, market-value reduction, and claim-preparation costs","note":"Pollution or contamination is excluded unless it has resulted from an Insured Event or an Insured Event itself results from pollution or contamination.","quote":"Clause F. Exclusions (What We do not cover) for all covers under this Policy We do not cover losses and expenses for any loss or damage or destruction of the Insured Property that is directly or indirectly as a result of or is caused by or arising from events, stated below:\n1. Loss or damage due to Terrorism\n2. For terrorism risk the Excess shall be as per the clause attached to this Section.\n3. Your deliberate, willful or intentional act or omission, or of anyone on Your behalf, or with Your connivance.\n4. 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.\n5. Ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from combustion of nuclear fuel, or the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component that is part of it.\n6. Pollution or contamination, unless ... Loss, damage or destruction to any electrical/electronic machine, apparatus, fixture, or fitting by over-running, excessive pressure, short circuiting, arcing, self-heating or leakage of electricity from whatever cause (lightning included). This exclusion applies only to the particular machine so lost, damaged or destroyed.\n8. Loss or damage to bullion or unset precious stones, manuscripts, plans, drawings, securities, obligations or documents of any kind, coins or paper money, cheques, vehicles, and explosive substances unless otherwise expressly stated in the policy.\n9. Loss of any Insured Property which is missing or has been mislaid, or its disappearance cannot be linked to any single identifiable event.\n10. Loss or damage to any Insured Property removed from Your Building to any other place.\n11. Loss of earnings, loss by delay, loss of market or other consequential or indirect loss or damage of any kind or description whatsoever.\n12. Any reduction in market value of any Insured Property after its repair or reinstatement.\n13. Costs, fees or expenses for preparing any claim.","sources":[{"clause":"13(b)","heading":"Note","page":10,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/co-operative-housing-society-griha-raksha-irdan108rp0001v01202425/document/17134#c-13-b-8"},{"clause":"13(b)(ii)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/co-operative-housing-society-griha-raksha-irdan108rp0001v01202425/document/17134#c-13-b-ii"}],"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 Customer Support by phone or email. If not satisfied or no response, escalate to manager.customersupport@tataaig.com and then to head.customerservices@tataaig.com before approaching the Insurance Ombudsman.","display":"Customer Support first; then manager.customersupport@tataaig.com; then head.customerservices@tataaig.com","note":null,"quote":"At TATA AIG, we strive to provide the best service to our customers. If you're not satisfied and wish to lodge a complaint, please call our 24/7 Customer Support No. 022 6489 8282 or 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.","sources":[{"clause":null,"heading":"Redressal of Grievance","page":16,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/co-operative-housing-society-griha-raksha-irdan108rp0001v01202425/document/17134#c-redressal-of-grievance"},{"clause":null,"heading":"Escalation Level 1","page":16,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/co-operative-housing-society-griha-raksha-irdan108rp0001v01202425/document/17134#c-escalation-level-1"},{"clause":null,"heading":"Escalation Level 2","page":17,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/co-operative-housing-society-griha-raksha-irdan108rp0001v01202425/document/17134#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":["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 Building stands Landslide, Rockslide","Bush Fire, Forest Fire, Jungle Fire","Impact Damage of any kind","Missile testing operations","Riot, Strike, Malicious Damages","Bursting or overflowing of water tanks, apparatus and pipes.","Leakage from automatic sprinkler installations","Theft within 7 days from the occurrence of and proximately caused by any of the above Insured Events"],"display":"Fire, explosion/implosion, lightning, earthquake and other convulsions of nature, storm/flood perils, subsidence/landslide/rockslide, bush/forest/jungle fire, impact damage, missile testing, riot/strike/malicious damage, water tank/pipe bursting, sprinkler leakage, and theft within 7 days caused by an insured event","note":"The policy wording contains the same insured-event table; the prospectus clause is quoted because it prints the whole list together.","quote":"1. | Fire | caused by burning of Insured Property by order of any Public Authority. ... 2. | Explosion or Implosion | - ... 3. | Lightning | - ... 4. | Earthquake, volcanic eruption or other convulsions of nature | -\n5. | Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Tsunami, Flood and Inundation | -\n6. | Subsidence of the land on which Your Building stands Landslide, Rockslide | caused by a. normal cracking, settlement or bedding down of new structures, b. the settlement or movement of made up ground, c. coastal or river erosion, d. defective design or workmanship or use of defective materials, or e. demolition, construction, structural alterations or repair of any property, or groundworks or excavations.\n7. | Bush Fire, Forest Fire, Jungle Fire | -\n8. | Impact Damage of any kind, i.e., damage caused by impact of, or collision caused by any external physical object (e.g. vehicle, falling trees, aircraft, wall etc.) | caused by pressure waves caused by aircraft or other aerial or space devices travelling at sonic or supersonic speeds.\n9. | Missile testing operations | -\n10. | Riot, Strike, Malicious Damages | caused by a. temporary or permanent dispossession, confiscation, commandeering, requisition or destruction by order of the government or any lawful authority, or b. temporary or permanent dispossession of Your Building by unlawful occupation by any person.\n11.. | Bursting or overflowing of water tanks, apparatus and pipes. | -\n12. | Leakage from automatic sprinkler installations | a. repairs or alterations in Your building, b. repairs, removal or extension of any sprinkler installation, or c. defects in the construction known to You.\n13. | Theft within 7 days from the occurrence of and proximately caused by any of the above Insured Events | If it is a. of any article or thing outside Your Building, or b. of any article or thing attached from the outside of the outer walls or the roof of Your Building, unless securely mounted.","sources":[{"clause":"Row 1","heading":"Fire","page":3,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/co-operative-housing-society-griha-raksha-irdan108rp0001v01202425/document/16943#c-row-1-2"},{"clause":"Row 2","heading":"Explosion or Implosion","page":3,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/co-operative-housing-society-griha-raksha-irdan108rp0001v01202425/document/16943#c-row-2-2"},{"clause":"Row 3","heading":"Lightning","page":3,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/co-operative-housing-society-griha-raksha-irdan108rp0001v01202425/document/16943#c-row-3-2"},{"clause":"Row 4","heading":"Earthquake, volcanic eruption or other convulsions of nature","page":3,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/co-operative-housing-society-griha-raksha-irdan108rp0001v01202425/document/16943#c-row-4"}],"law":[]},{"key":"deductible","label":"Deductible or excess","section":"Limits and co-pay","meaning":"Amount of each claim you bear.","status":"quote-verified","value":"For the optional sabotage and/or terrorism damage cover, excess is 1% of the claim amount for each and every claim, subject to minimum and maximum amounts by risk type: Shops & Residential Risks minimum INR 10,000 and maximum INR 500,000; Non-Industrial Risks minimum INR 25,000 and maximum INR 1,000,000; Industrial Risks minimum INR 100,000 and maximum INR 25,00,000.","display":"Optional sabotage/terrorism cover: 1% of claim amount per claim, subject to minimum and maximum by risk type","note":"No deductible or excess for the base covers is stated. Industrial Risks under the optional sabotage and/or terrorism cover have a 5% excess, not 1%.","quote":"SABOTAGE AND TERRORISM DAMAGE COVER ENDORSEMENT (Material Damage only)\nINSURING CLAUSE Subject otherwise to the terms, exclusions, provisions and conditions contained in the Policy and in consideration of the payment by the Insured to The Company of additional Premium as stated in the Original Policy Schedule ... 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 Non-Industrial Risks: 1% of the claim amount for each and every claim subject to Minimum of INR 25,000 and Maximum of INR 1,000,000 Industrial Risks: 5% of the claim amount for each and every claim subject to Minimum of INR 100,000 and Maximum of INR 25,00,000\n*Whichever is applicable","sources":[{"clause":"13(a)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/co-operative-housing-society-griha-raksha-irdan108rp0001v01202425/document/17134#c-13-a-9"},{"clause":"13(a)(xxii)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/co-operative-housing-society-griha-raksha-irdan108rp0001v01202425/document/17134#c-13-a-xxii"}],"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 the policy any time by informing the insurer. The insurer refunds proportionate premium for the unexpired policy period if there are no claims under the policy.","display":"Proportionate premium for the unexpired policy period, if no claim","note":null,"quote":"You may cancel the Policy any time by informing Us. We shall refund proportionate premium for the unexpired policy period provided there is no claim(s) under the policy.","sources":[{"clause":"13(II)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/co-operative-housing-society-griha-raksha-irdan108rp0001v01202425/document/17134#c-13-ii"}],"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 covers the insured property mentioned in the policy schedule but does not state a geographic territory such as India-only or worldwide.","quote":null,"sources":[],"law":[]},{"key":"building_cover","label":"Building cover","section":"Cover","meaning":"Cover for the structure and how its value is set.","status":"quote-verified","value":"The building cover pays for physical loss, damage or destruction of Your Building because of an insured event, and also covers specified architects', surveyors' and consulting engineers' fees, debris removal, loss of rent and rent for alternative accommodation. The building sum insured is the prevailing Cost of Construction of the building at the commencement date as declared by you and accepted by the insurer.","display":"Physical loss/damage/destruction of Your Building due to insured events, with fees, debris removal, and rent covers","note":null,"quote":"We cover physical loss or damage, or destruction of Your Building because of any Insured Event listed in Clause B of this Policy. We also cover architect's, surveyor's, consulting engineer's fees, cost of removing debris as specified under Clause C (S) (f) of this Policy. Further, We pay for Loss of rent and Rent for Alternative Accommodation ... The Sum Insured for the Building Cover is the prevailing Cost of Construction of Building at the Commencement Date as declared by You and accepted by Us and will be the maximum amount payable in the event the building is a Total Loss.","sources":[{"clause":null,"heading":"Clause C: Building Cover","page":5,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/co-operative-housing-society-griha-raksha-irdan108rp0001v01202425/document/17134#c-clause-c-building-cover"},{"clause":"13(a)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/co-operative-housing-society-griha-raksha-irdan108rp0001v01202425/document/17134#c-13-a-4"}],"law":[]},{"key":"contents_cover","label":"Contents cover","section":"Cover","meaning":"Cover for household goods, jewellery and valuables, and limits.","status":"quote-verified","value":"Contents are articles or things in Your Building that are not permanently attached or fixed to the structure. The policy covers physical loss, damage or destruction of Contents within Your Building caused by an insured event, up to the Contents Sum Insured and any item or category limits in the schedule; bullion or unset precious stones and specified documents, money, vehicles and explosive substances are excluded unless expressly stated.","display":"Contents within Your Building covered for insured events, up to the Contents Sum Insured and schedule item/category limits","note":"The wording does not state a separate jewellery or valuables sub-limit except for schedule limits and the listed exclusions.","quote":"Contents | Those articles or things in Your Building that are not permanently attached or fixed to the\nstructure of Your Building. ... We cover the physical loss or damage to or destruction of the Contents within Your Building caused by an Insured Event as listed in Clause B of this Policy ... The maximum We will pay for Contents is the Sum Insured shown in the Policy Schedule for Contents Cover. If the Policy Schedule shows any limit for any item, or category or groups of items, such limit is the maximum We will pay for that item. ... Loss or damage to bullion or unset precious stones, manuscripts, plans, drawings, securities, obligations or documents of any kind, coins or paper money, cheques, vehicles, and explosive substances unless otherwise expressly stated in the policy.","sources":[{"clause":"4(b)","heading":"For additional structures","page":3,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/co-operative-housing-society-griha-raksha-irdan108rp0001v01202425/document/17134#c-4-b"},{"clause":null,"heading":"Clause D: Contents Cover","page":6,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/co-operative-housing-society-griha-raksha-irdan108rp0001v01202425/document/17134#c-clause-d-contents-cover"},{"clause":"13(b)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/co-operative-housing-society-griha-raksha-irdan108rp0001v01202425/document/17134#c-13-b-7"},{"clause":"13(b)(ii)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/co-operative-housing-society-griha-raksha-irdan108rp0001v01202425/document/17134#c-13-b-ii"}],"law":[]},{"key":"burglary","label":"Burglary and theft","section":"Cover","meaning":"Whether burglary is covered.","status":"quote-verified","value":"Standalone burglary is not stated as covered. The policy covers theft only when it occurs within 7 days from, and is proximately caused by, an insured event, and does not cover articles outside the building or externally attached articles unless securely mounted.","display":"Theft within 7 days from and proximately caused by an insured event","note":"The policy wording uses theft, not standalone burglary, for the base cover.","quote":"Theft within 7 (seven) days from the If it is\noccurrence of and proximately caused by a. of any article or thing outside Your Building or\nany of the above Insured Events | b. of any article or thing attached from the outside of the outer\nwalls or the roof of Your Building, unless securely mounted.","sources":[{"clause":"13","heading":"Theft within 7 (seven) days from the If it is","page":5,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/co-operative-housing-society-griha-raksha-irdan108rp0001v01202425/document/17134#c-13"}],"law":[]},{"key":"rent_loss","label":"Rent and alternative accommodation","section":"Cover","meaning":"Cover for rent lost or a temporary home after damage.","status":"quote-verified","value":"The policy pays loss of rent or alternative rent while Your Building is not fit for living because of physical loss arising from an insured event. The cover is for the reasonable repair period, capped at three years from the date the building becomes unfit for living, and loss of rent is accepted only if the building damage claim is accepted.","display":"Loss of rent or alternative rent while building is unfit for living; maximum three years","note":null,"quote":"We will pay the amount of rent You lose or alternative rent You pay while Your Building is not fit for living because of physical loss arising out of an Insured Event ... This cover will be available for the reasonable time required to repair Your Building to make it fit for living. The maximum period of this cover is three years from the date Your Building becomes unfit for living. ... Claim for loss of rent will be accepted only if We have accepted Your claim for loss for physical damage to Your Building under Your Building Cover.","sources":[{"clause":"13(f)(ii)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/co-operative-housing-society-griha-raksha-irdan108rp0001v01202425/document/17134#c-13-f-ii"},{"clause":"13(d)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/co-operative-housing-society-griha-raksha-irdan108rp0001v01202425/document/17134#c-13-d-3"},{"clause":"13(e)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/co-operative-housing-society-griha-raksha-irdan108rp0001v01202425/document/17134#c-13-e-3"}],"law":[]},{"key":"sum_insured_basis","label":"Sum insured basis","section":"Cover","meaning":"How the cover amount is set: market value, reinstatement value, agreed value, IDV.","status":"quote-verified","value":"For Building Cover, the sum insured is the prevailing Cost of Construction of the building at the commencement date as declared by you and accepted by the insurer. For Contents, the sum insured chosen must be enough to cover the cost of replacement of the Contents.","display":"Building: prevailing Cost of Construction at commencement; Contents: cost of replacement","note":null,"quote":"The Sum Insured for the Building Cover is the prevailing Cost of Construction of Building at the Commencement Date as declared by You and accepted by Us and will be the maximum amount payable in the event the building is a Total Loss. ... The Sum Insured You have chosen for Contents must be enough to cover the cost of replacement of the Contents.","sources":[{"clause":"13(a)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/co-operative-housing-society-griha-raksha-irdan108rp0001v01202425/document/17134#c-13-a-4"},{"clause":"13(b)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/co-operative-housing-society-griha-raksha-irdan108rp0001v01202425/document/17134#c-13-b-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. If the sum insured calculated from the information provided 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 the Co-operative Housing Society - Griha Raksha 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 I. Waiver of Underinsurance","page":16,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/co-operative-housing-society-griha-raksha-irdan108rp0001v01202425/document/17134#c-clause-i-waiver-of-underinsurance"}],"law":[]}],"documents":[{"kind":"wording","label":"Co-operative Housing Society - Griha Raksha","pages":21,"fetched_at":"2026-10-17 20:22:13+00","source_url":"https://www.tataaig.com/s3/chs_bgr_policy_wordings_5b312d1776.pdf","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/co-operative-housing-society-griha-raksha-irdan108rp0001v01202425/document/17134"},{"kind":"prospectus","label":"Co-operative Housing Society - Griha Raksha","pages":9,"fetched_at":"2026-10-17 20:10:20+00","source_url":"https://www.tataaig.com/s3/chs_bgr_prospectus_93da4cd999.pdf","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/co-operative-housing-society-griha-raksha-irdan108rp0001v01202425/document/16943"}],"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":"Co-operative Housing Society - Griha Raksha (UIN IRDAN108RP0001V01202425), IndiaInsurances, https://indiainsurances.com/policy/tata-aig-general-insurance/co-operative-housing-society-griha-raksha-irdan108rp0001v01202425"}