{"uin":"IRDAN108RP0002V01201415","name":"Personal All Risk Policy - Retail","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/personal-all-risk-policy-retail-irdan108rp0002v01201415","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":"Personal All Risk Policy is an indemnity policy for the insured's or family member's property lost, destroyed or damaged by fire, riot and strike, burglary, theft, accident or any fortuitous cause. Claim intimation must be made immediately within 7 days and loss participation is nil.","analysis":{"state":"machine","analysed_at":"2026-10-20 06:19:14.165824+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":null,"quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"not-stated","value":null,"display":null,"note":"The policy says insurance is during the period stated in the Schedule or any renewal or extension period, but no fixed policy term is printed.","quote":null,"sources":[],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"Inform the company immediately through telephone/fax/email/SMS/registered post within 7 days from the occurrence of the loss or the event giving rise to the claim.","display":"Immediately, within 7 days from the occurrence of the loss or the event giving rise to the claim","note":null,"quote":"a) Inform the company immediately through telephone/fax/email/SMS/registered post within 7 days from the occurrence of the loss or the event giving rise to the claim.","sources":[{"clause":"17(a)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/personal-all-risk-policy-retail-irdan108rp0002v01201415/document/16796#c-17-a"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Duly filled up claim form along with policy copy","Inventory of damaged or stolen property","Incident report by the customer","Original Invoice/ Bills of the reinstated property","Repair bill","Copy of report from Fire Brigade in case of a major fire loss","Copy of Police intimation in case of theft & burglary","Any other requirement stated by the Surveyor","Copy of FIR in case of any Bodily Injury"],"display":"Claim form with policy copy, inventory, incident report, invoices/bills, repair bill, fire brigade report for major fire loss, police intimation for theft & burglary, surveyor requirements and FIR for bodily injury","note":"The prospectus says this is an indicative list and other documents may be required depending upon the nature and circumstances of loss.","quote":"Following are the list of documents needed for settlement of claim.\ni) Duly filled up claim form along with policy copy\nii) Inventory of damaged or stolen property (detailing the quantity, age, description, actual replacement value and amount of loss claimed for in respect of each item)\niii) Incident report by the customer.\niv) Original Invoice/ Bills of the reinstated property.\nv) Repair bill.\nvi) Copy of report from Fire Brigade in case of a major fire loss.\nvii) Copy of Police intimation in case of theft & burglary.\nviii) Any other requirement stated by the Surveyor.\nix) Copy of FIR in case of any Bodily Injury. The claim form and accompanying documents must be returned to us within 7days of reporting claim.\nThis is an indicative list and other documents may be required at the time of claim settlement depending upon the nature and circumstances of loss.","sources":[{"clause":null,"heading":"DOCUMENTATION","page":3,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/personal-all-risk-policy-retail-irdan108rp0002v01201415/document/16718#c-documentation"}],"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 documents describe the basis of loss settlement, but do not print a time for deciding or paying a claim.","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":["Damage caused by any process of cleaning, dyeing or bleaching, restoring, servicing, preventative maintenance, repairing or renovation or deterioration arising from wear and tear, moth, vermin, insects or mildew or any other gradually operating cause","Breakage, cracking or scratching of crockery, glass, cameras, binoculars, lenses, sculptures, curious, pictures, musical instruments, sports gear and similar articles of brittle or fragile nature","Loss or damage caused by mechanical or electrical derangement/breakdown of any article unless caused by accidental external means","Overwinding, denting or internal damage of watches and clocks","Loss or damage to money, securities, manuscripts, deeds, bonds, bills of exchange, promissory notes, stock or share certificates, stamps, travel tickets, travellers’ cheques, business books or documents","Theft from any car except car of fully enclosed saloon type having at the time all the doors, windows and other openings securely locked and properly fastened","Any loss or damage arising through delay, detention or confiscation by Customs or other authorities","Loss or damage whether direct or indirect arising from War, Warlike operations, Act of Foreign Enemy, Hostilities (whether war be declared or not), Civil war, rebellion, Insurrection, Civil Commotion, Military or Usurped Power","Terrorism","Loss damage or consequential loss directly or indirectly caused by, consisting of, or arising from internet, data, software, coding, program, computer or computer system events","Consequential loss or legal liability of any kind","Loss or damage due to or contributed to by the Insured having caused or suffered anything to be done whereby the risks hereby insured against were unnecessarily increased","Loss or damage due to misplacement, misuse, reckless, abusive, willful or intentional conduct associated with handling and use of the covered item","Any cosmetic loss or damage including but not limited to scratches and dents that do not otherwise affect the functionality of the covered item","Loss or damage arising out of any pre-existing conditions"],"display":"Cleaning/wear and tear, fragile item breakage, mechanical or electrical breakdown, overwinding or internal damage of watches and clocks, money and documents, theft from an unlocked/non-enclosed car, customs delay/detention/confiscation, war, terrorism, internet/data/software losses, consequential loss/legal liability, increased risk, misplacement/misuse/reckless or intentional conduct, cosmetic damage, and pre-existing conditions","note":null,"quote":"Damage caused by any process of cleaning, dyeing or bleaching, restoring, servicing, preventative maintenance, repairing or renovation or deterioration arising from wear and tear, moth, vermin, insects or mildew or any other gradually operating cause. ... Breakage, cracking or scratching of crockery, glass, cameras, binoculars, lenses, sculptures, curious, pictures, musical instruments, sports gear and similar articles of brittle or fragile nature, unless specifically declared and accepted by us and expressly stated in the policy schedule. ... Loss or damage caused by mechanical or electrical derangement/breakdown of any article unless caused by accidental external means or specifically declared and accepted by us and expressly stated in the policy schedule. ... Overwinding, denting or internal damage of watches and clocks. ... Loss or damage to money, securities, manuscripts, deeds, bonds, bills of exchange, promissory notes, stock or share certificates, stamps, travel tickets, travellers’ cheques, business books or documents unless specifically declared and accepted by us and expressly stated in the policy schedule. ... Theft from any car except car of fully enclosed saloon type having at the time all the doors, windows and other openings securely locked and properly fastened. ... Any loss or damage arising through delay, detention or confiscation by Customs or other authorities. ... Loss or damage whether direct or indirect arising from War, Warlike operations, Act of Foreign Enemy, Hostilities (whether war be declared or not), Civil war, rebellion, Insurrection, Civil Commotion, Military or Usurped Power, Seizure, Capture, confiscation, Arrests Restraints and Detainment by the order of any Government or any other authority. Terrorism: This Policy excludes loss, damage, cost or expense of whatsoever nature directly or indirectly caused by, resulting from or in connection with any act of terrorism regardless of any other cause or event contributing concurrently or in any other sequence to the loss. ... Loss damage or consequential loss directly or indirectly caused by, consisting of, or arising from:\na) any functioning or malfunctioning of the internet or similar facility, or of any intranet or private network or similar facility,\nb) any corruption, destruction, distortion, erasure or other loss or damage to data, software, or and kind of programming or instruction set,\nc) loss of use or functionality whether partial or entire of data, coding, program, software, any computer or computer system or other device dependent upon any microchip or embedded logic, and any ensuing liability or failure of the Insured to conduct business. ... Consequential loss or legal liability of any kind. ... Loss or damage due to or contributed to by the Insured having caused or suffered anything to be done whereby the risks hereby insured against were unnecessarily increased. ... Loss or damage due to misplacement, misuse, reckless, abusive, willful or intentional conduct associated with handling and use of the covered item. ... Any cosmetic loss or damage including but not limited to scratches and dents that do not otherwise affect the functionality of the covered item. ... Loss or damage arising out of any pre-existing conditions.","sources":[{"clause":"1","heading":null,"page":1,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/personal-all-risk-policy-retail-irdan108rp0002v01201415/document/16796#c-1"},{"clause":"2","heading":null,"page":1,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/personal-all-risk-policy-retail-irdan108rp0002v01201415/document/16796#c-2"},{"clause":"3","heading":null,"page":1,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/personal-all-risk-policy-retail-irdan108rp0002v01201415/document/16796#c-3"},{"clause":"4","heading":null,"page":1,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/personal-all-risk-policy-retail-irdan108rp0002v01201415/document/16796#c-4"},{"clause":"5","heading":null,"page":1,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/personal-all-risk-policy-retail-irdan108rp0002v01201415/document/16796#c-5"},{"clause":"6","heading":null,"page":1,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/personal-all-risk-policy-retail-irdan108rp0002v01201415/document/16796#c-6"},{"clause":"7","heading":null,"page":1,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/personal-all-risk-policy-retail-irdan108rp0002v01201415/document/16796#c-7"},{"clause":"8","heading":null,"page":1,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/personal-all-risk-policy-retail-irdan108rp0002v01201415/document/16796#c-8"},{"clause":"11","heading":null,"page":2,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/personal-all-risk-policy-retail-irdan108rp0002v01201415/document/16796#c-11"},{"clause":"12","heading":null,"page":2,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/personal-all-risk-policy-retail-irdan108rp0002v01201415/document/16796#c-12"},{"clause":"13","heading":null,"page":2,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/personal-all-risk-policy-retail-irdan108rp0002v01201415/document/16796#c-13"},{"clause":"14","heading":null,"page":2,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/personal-all-risk-policy-retail-irdan108rp0002v01201415/document/16796#c-14"},{"clause":"15","heading":null,"page":2,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/personal-all-risk-policy-retail-irdan108rp0002v01201415/document/16796#c-15"},{"clause":"16","heading":null,"page":2,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/personal-all-risk-policy-retail-irdan108rp0002v01201415/document/16796#c-16"}],"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 lodge a complaint with TATA AIG by calling 022 6489 8282 or emailing customersupport@tataaig.com. If not resolved, escalate to manager.customersupport@tataaig.com and then to the Head of Customer Services at head.customerservices@tataaig.com before approaching the Insurance Ombudsman.","display":"Call 022 6489 8282 or email customersupport@tataaig.com; then manager.customersupport@tataaig.com; 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 Number.: 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. We will provide our final response within the regulatory TAT. If you're still not satisfied after this process, you may approach the Insurance Ombudsman of concerned jurisdiction.","sources":[{"clause":"17(b)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/personal-all-risk-policy-retail-irdan108rp0002v01201415/document/16796#c-17-b-2"},{"clause":null,"heading":"Escalation Level 1","page":5,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/personal-all-risk-policy-retail-irdan108rp0002v01201415/document/16796#c-escalation-level-1"},{"clause":null,"heading":"Escalation Level 2","page":5,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/personal-all-risk-policy-retail-irdan108rp0002v01201415/document/16796#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","Riot and Strike","Burglary","Theft","Accident","any fortuitous cause"],"display":"Fire, Riot and Strike, Burglary, Theft or Accident, from any fortuitous cause","note":null,"quote":"to indemnify the Insured if the property of the Insured or member(s) of his family, so lost, destroyed or damaged, by Fire, Riot and Strike, Burglary, Theft or Accident, from any fortuitous cause","sources":[{"clause":null,"heading":"PERSONAL ALL RISK POLICY","page":1,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/personal-all-risk-policy-retail-irdan108rp0002v01201415/document/16796#c-personal-all-risk-policy"}],"law":[]},{"key":"deductible","label":"Deductible or excess","section":"Limits and co-pay","meaning":"Amount of each claim you bear.","status":"quote-verified","value":"Nil loss participation.","display":"Nil","note":null,"quote":"8. | Loss Participation | Nil","sources":[{"clause":"2","heading":"Unique Identification IRDAN108RP0002V01201415","page":1,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/personal-all-risk-policy-retail-irdan108rp0002v01201415/document/16720#c-2"}],"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":"The insured may cancel at any time by informing the insurer; the insurer refunds proportionate premium for the unexpired policy period if there is no claim under the policy.","display":"Proportionate premium for the unexpired policy period, provided there is no claim(s) under the policy","note":null,"quote":"The Insured may cancel this policy at 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":"17(b)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/personal-all-risk-policy-retail-irdan108rp0002v01201415/document/16796#c-17-b-2"}],"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":null,"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 covers property of the insured or member(s) of his family that is lost, destroyed or damaged by covered perils, within the limits stated in the Schedule.","display":"Property of the Insured or member(s) of his family","note":null,"quote":"to indemnify the Insured if the property of the Insured or member(s) of his family, so lost, destroyed or damaged, by Fire, Riot and Strike, Burglary, Theft or Accident, from any fortuitous cause, any time during the period of this insurance and within the limits stated in the Schedule hereto","sources":[{"clause":null,"heading":"PERSONAL ALL RISK POLICY","page":1,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/personal-all-risk-policy-retail-irdan108rp0002v01201415/document/16796#c-personal-all-risk-policy"}],"law":[]}],"documents":[{"kind":"wording","label":"Personal All Risk Policy - Retail(IRDAN108RP0002V01201415)","pages":7,"fetched_at":"2026-10-17 20:05:16+00","source_url":"https://www.tataaig.com/s3/Policy_Wordings_personal_all_risk_policy_IRDAN108P0002V01201415.pdf_b9912c8d27.pdf","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/personal-all-risk-policy-retail-irdan108rp0002v01201415/document/16796"},{"kind":"prospectus","label":"Personal All Risk Policy - Retail(IRDAN108RP0002V01201415)","pages":5,"fetched_at":"2026-10-17 20:01:01+00","source_url":"https://www.tataaig.com/s3/personal_all_risk_retail_prospectus_b63e40713c.pdf","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/personal-all-risk-policy-retail-irdan108rp0002v01201415/document/16718"},{"kind":"cis","label":"Personal All Risk - Retail(IRDAN108RP0002V01201415)","pages":6,"fetched_at":"2026-10-17 20:01:06+00","source_url":"https://www.tataaig.com/s3/personal_all_risk_policy_9d16cf5fee.pdf","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/personal-all-risk-policy-retail-irdan108rp0002v01201415/document/16720"},{"kind":"proposal","label":"Personal All Risk - Retail(IRDAN108RP0002V01201415)","pages":null,"fetched_at":"2026-10-17 20:11:10+00","source_url":"https://www.tataaig.com/s3/Proposal_Forms_personal_all_risk_policy.pdf_233e3e03e8.pdf","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/personal-all-risk-policy-retail-irdan108rp0002v01201415/document/31849"}],"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 All Risk Policy - Retail (UIN IRDAN108RP0002V01201415), IndiaInsurances, https://indiainsurances.com/policy/tata-aig-general-insurance/personal-all-risk-policy-retail-irdan108rp0002v01201415"}