{"uin":"IRDAN113CP0003V02201516","name":"Bajaj General Commercial Crime Insurance Policy","url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-commercial-crime-insurance-policy-irdan113cp0003v02201516","insurer":{"slug":"bajaj-general-insurance","name":"Bajaj General Insurance Limited","url":"https://indiainsurances.com/insurer/bajaj-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":"Commercial Crime Insurance Policy indemnifies financial loss, property loss, cash and valuables, legal liability, fees and expenses, and listed extensions arising from covered criminal or IT criminal acts. Cover applies to loss incurred anywhere in the world unless the schedule states otherwise, and cancellation by the policyholder uses short-period premium retention rates.","analysis":{"state":"machine","analysed_at":"2026-10-20 02:50:45.597559+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":"No named product plan variants are listed in the wording.","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 wording points to the Insurance Period in item 4 of the Schedule; the Schedule was not provided.","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":"Upon Discovery, written notice must be given during the Insurance Period or Discovery Period, if applicable, and at least 30 days after Discovery. If that is not practicable, written notice must be given as soon as reasonably practicable but not later than 30 days after the end of the Insurance Period or Discovery Period, if applicable; Claims by a Client must be notified as soon as possible.","display":"Upon Discovery: written notice during the Insurance Period or Discovery Period, if applicable, and at least 30 days after Discovery; if not practicable, as soon as reasonably practicable but not later than 30 days after the end of that period.","note":"The wording also requires notice to police or local authorities where the Criminal Act and/or IT Criminal Act occurred, unless waived by the insurer.","quote":"i) give written notice thereof to the Insurer during the Insurance Period or the Discovery Period, if applicable, and at least 30 days after Discovery. However, in the event that it has not been practicable for the Insured to give such notice in this time-frame, then written notice shall be given as soon as reasonably practicable but not later than 30 days after the end of the Insurance Period or Discovery Period, if applicable; and ... It is a condition of coverage hereunder that upon receipt of any Claim by a Client for Legal Liability or Expectation Damages, the Insured shall give written notice thereof to the Insurer as soon as possible.","sources":[{"clause":"5.1(i)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-commercial-crime-insurance-policy-irdan113cp0003v02201516/document/3225#c-5-1-i"},{"clause":"5.1(iv)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-commercial-crime-insurance-policy-irdan113cp0003v02201516/document/3225#c-5-1-iv"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["a detailed written proof of Loss in a format to be agreed with the Insurer","all requested information and documents"],"display":"Detailed written proof of Loss within 6 months after notification, and all requested information and documents.","note":null,"quote":"ii) in any event within 6 months after notification, or within such further period as agreed to in writing by the Insurer, file with the Insurer a detailed written proof of Loss in a format to be agreed with the Insurer; and ... iii) provide all requested information and documents and co-operate with the Insurer with respect to any Loss.","sources":[{"clause":"5.1(ii)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-commercial-crime-insurance-policy-irdan113cp0003v02201516/document/3225#c-5-1-ii"},{"clause":"5.1(iii)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-commercial-crime-insurance-policy-irdan113cp0003v02201516/document/3225#c-5-1-iii"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Any Loss resulting directly or indirectly from any Criminal Act or IT Criminal Act of any Director on the main board of the Insured and/or any shareholder controlling more than 20% of the issured share capital","Any Loss resulting from any Criminal Act or IT Criminal Act first Discovered prior to the Inception Date or subsequent to the Expiry Date","Any Loss resulting from any Criminal Act or IT Criminal Act committed prior to the Retroactive date","any Indirect Loss incurred by the Insured","any Loss as a result of any destruction, damage or physical loss of or to Property","Loss which is based upon, attributable to or in any way connected to a bodily injury","Loss of or the actual or alleged plagiarism of, or Loss arising directly or indirectly from the accessing of, any confidential information","Loss or damage arising out of or relating to War, Terrorism, looting and Governmental Acts","Any Loss resulting from Trading","Any Loss or damage caused by or resulting from Pollution","Any Loss the proof of which is dependent solely upon a profit and loss computation or comparison, or comparison of inventory records with an actual physical count","Any Loss sustained by any one Insured to the benefit of any other Insured","Any Loss as a result of kidnap, ransom or extortion payment","Any Loss as a result of any Criminal Act or IT Criminal Act committed by any Employee whose previous criminal record was known","Any Loss as a result of any Criminal Act or IT Criminal Act committed by any Employee after a previous Criminal Act or IT Criminal Act committed by the same Employee is Discovered"],"display":"Main exclusions include directors’ or shareholders’ criminal acts, discovery outside the insurance period, acts before the retroactive date, indirect loss, listed property damage, bodily injury, confidential information, war/terrorism/governmental acts, trading, pollution, inventory shortages, other insured’s benefit, kidnap/ransom/extortion, known employee criminal record, and loss after discovery.","note":null,"quote":"NO COVERAGE WILL BE AVAILABLE UNDER THIS POLICY WITH RESPECT TO: ... Any Loss resulting directly or indirectly from any Criminal Act or IT Criminal Act of any Director on the main board of the Insured and/or any shareholder controlling more than 20% of the issured share capital of the Insured at the time of the Criminal Act ... Any Loss resulting from any Criminal Act or IT Criminal Act first Discovered:\ni) prior to the Inception Date of the Insurance Period as set forth in item 4 of the Schedule; or\nii) subsequent to the Expiry Date of the Insurance Period as set forth in item 4 of the Schedule. ... Any Loss resulting from any Criminal Act or IT Criminal Act committed prior to the Retroactive date as set forth in item 6 of the schedule. ... any Indirect Loss incurred by the Insured ... any Loss as a result of any destruction, damage or physical loss of or to Property resulting from contributed or aggravated by:\ni) fire, explosion, implosion or collapse;\nii) flood;\niii) any act of God or nature, including but not limited to hurricane, typhoon, earthquake, or subterranean fire, or as a result of fire following any of the foregoing; or\niv) any Property arising out of, based upon or attributable to ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel, or the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof. ... Loss which is based upon, attributable to or in any way connected to a bodily injury suffered by the Insured or by any Third-Party. ... Loss of or the actual or alleged plagiarism of, or Loss arising directly or indirectly from the accessing of, any confidential information (including but not limited to Trade Secrets, Computer Programmes, customer information, patents, trademarks, trade names, copyrights or any other form of intellectual property), except to the extent that any such information has been used to support or facilitate the commission of a Criminal Act or IT Criminal Act covered by this policy. ... Loss or damage arising out of or relating to War, Terrorism, looting and Governmental Acts. ... Any Loss resulting from Trading, whether in one's own name or in a genuine or fictitious account, unless such Loss is covered under insuring clause 1,1, ... Any Loss or damage caused by or resulting from Pollution. ... Any Loss the proof of which is dependent solely upon a\ni) profit and loss computation or comparison, or\nii) comparison of inventory records with an actual physical count. ... Any Loss sustained by any one Insured to the benefit of any other Insured. ... Any Loss as a result of kidnap, ransom or extortion payment (as distinct from Robbery). ... Any Loss as a result of any Criminal Act or IT Criminal Act committed by any Employee whose previous criminal record was known by the legal representative of the Insured, or his direct manager or the human resources department of the company where he is employed. ... Any Loss as a result of any Criminal Act or IT Criminal Act committed by any Employee after a previous Criminal Act or IT Criminal Act committed by the same Employee is Discovered.","sources":[{"clause":"4","heading":"Exclusions","page":6,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-commercial-crime-insurance-policy-irdan113cp0003v02201516/document/3225#c-4"},{"clause":"4.1","heading":"Directors or Shareholders’ Criminal Act","page":6,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-commercial-crime-insurance-policy-irdan113cp0003v02201516/document/3225#c-4-1"},{"clause":"4.2","heading":"Discovery outside the Insurance Period","page":6,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-commercial-crime-insurance-policy-irdan113cp0003v02201516/document/3225#c-4-2"},{"clause":"4.3","heading":"Criminal Act prior to Retroactive date","page":7,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-commercial-crime-insurance-policy-irdan113cp0003v02201516/document/3225#c-4-3"},{"clause":"4.4","heading":"Indirect Loss","page":7,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-commercial-crime-insurance-policy-irdan113cp0003v02201516/document/3225#c-4-4"},{"clause":"4.5","heading":"Property damage","page":7,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-commercial-crime-insurance-policy-irdan113cp0003v02201516/document/3225#c-4-5"},{"clause":"4.6","heading":"Bodily injury","page":7,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-commercial-crime-insurance-policy-irdan113cp0003v02201516/document/3225#c-4-6"},{"clause":"4.7","heading":"Confidential information, Trade Secrets and Computer Programmes","page":7,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-commercial-crime-insurance-policy-irdan113cp0003v02201516/document/3225#c-4-7"},{"clause":"4.8","heading":"War, Terrorism and Governmental Acts","page":7,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-commercial-crime-insurance-policy-irdan113cp0003v02201516/document/3225#c-4-8"},{"clause":"4.9","heading":"Trading","page":7,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-commercial-crime-insurance-policy-irdan113cp0003v02201516/document/3225#c-4-9"},{"clause":"4.10","heading":"Pollution","page":7,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-commercial-crime-insurance-policy-irdan113cp0003v02201516/document/3225#c-4-10"},{"clause":"4.11","heading":"Inventory shortages","page":7,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-commercial-crime-insurance-policy-irdan113cp0003v02201516/document/3225#c-4-11"},{"clause":"4.12","heading":"Other Insured’s benefit","page":8,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-commercial-crime-insurance-policy-irdan113cp0003v02201516/document/3225#c-4-12"},{"clause":"4.13","heading":"Kidnap, ransom or extorsion","page":8,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-commercial-crime-insurance-policy-irdan113cp0003v02201516/document/3225#c-4-13"},{"clause":"4.14","heading":"Employee’s criminal record","page":8,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-commercial-crime-insurance-policy-irdan113cp0003v02201516/document/3225#c-4-14"},{"clause":"4.15","heading":"Loss after Discovery","page":8,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-commercial-crime-insurance-policy-irdan113cp0003v02201516/document/3225#c-4-15"}],"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 approach the Customer Experience Team through the website, toll-free number, email or postal address. If not satisfied, write to the Grievance Redressal Officer, then use the care specialist route or Head of Customer Experience before approaching the Insurance Ombudsman.","display":"Level 1: Customer Experience Team. Level 2: Grievance Redressal Officer at ggro@bajajgeneral.com. Further escalation: care specialist or Head of Customer experience before Ombudsman.","note":null,"quote":"Level 1 In case you have any concern, you may please reach out to our Customer Experience Team through any of the following options:\n• Our Website www.bajajgeneralinsurance.com\n• Call us on our Toll free no 1800 209 5858\n• Mail us on careforyou@bajajgeneral.com\n• Write to Bajaj General Insurance Limited Bajaj Insurance House, Airport Road, Yerwada Pune- 411006\nLevel 2 In case you are not satisfied with the response given to you by our team, you may write to our Grievance Redressal Officer at ggro@bajajgeneral.com\nLevel 3 If in case, your grievance is not resolved and you wish to talk to our care specialist, please Give a missed on +91 80809 45060 OR SMS to 575758 and our care specialist will call you back\nIf you are still not satisfied with the solutions provided, write to Head of Customer experience directly at head.customerservice@bajajgeneral.com ... If you are still not satisfied, you can approach the Insurance Ombudsman in the respective area for resolving the issue.","sources":[{"clause":"8.13","heading":"Dispute Resolution","page":12,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-commercial-crime-insurance-policy-irdan113cp0003v02201516/document/3225#c-8-13"}],"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":["Financial Loss and/or Property Loss sustained by any Insured as a direct result of any Criminal Act","loss or destruction of Cash & Valuables located in the Premises as a direct result of any Theft or Robbery","loss of Cash & Valuables as a direct result of any Robbery not in the Premises","Financial Loss as a result of any Claim by a Client for Legal Liability that directly results from a Criminal Act","reasonable costs, fees and expenses incurred with the prior written consent of the Insurer for any Consultant","Additional Costs sustained by any Insured as a result of any Criminal Act","Financial Loss as a result of any Claim by a Client for Expectation Damages","Financial Loss sustained by any Insured as a direct result from any IT Criminal Act committed by Employee","Reconstitution Costs sustained by any Insured resulting directly from any IT Criminal Act"],"display":"Financial/property loss from Criminal Acts; cash and valuables theft or robbery; insured’s legal liability; consultant fees and expenses; additional costs; expectation damages; financial loss from employee IT Criminal Act; and reconstitution costs from IT Criminal Act.","note":"Several covers apply only when first Discovered during the Insurance Period or Discovery Period, if applicable, and notified in accordance with the policy; some extensions are subject to schedule sublimits.","quote":"The Insurer shall indemnify the Insured for all Financial Loss and/or Property Loss sustained by any Insured as a direct result of any Criminal Act ... The Insurer shall indemnify the Insured for any loss or destruction of Cash & Valuables located in the Premises, sustained by any Insured as a direct result of any Theft or Robbery. The Insurer shall indemnify the Insured for any loss of Cash & Valuables, sustained by any Insured as a direct result of any Robbery not in the Premises. ... The Insurer shall indemnify the Insured for all Financial Loss sustained by any Insured as a result of any Claim by a Client for Legal Liability that directly results from a Criminal Act ... The Insurer shall indemnify the Insured for all reasonable costs, fees and expenses incurred with the prior written consent of the Insurer for any Consultant ... The Insurer, in partial derogation to exclusion 4.4 (Indirect Loss), shall indemnify the Insured for any Additional Costs sustained by any Insured as a result of any Criminal Act ... The Insurer, in partial derogation to exclusion 4.4 (Indirect Loss), shall indemnify the Insured for all Financial Loss sustained by any Insured as a result of any Claim by a Client for Expectation Damages ... The Insurer, shall indemnify the Insured for all Financial Loss sustained by any Insured as a direct result from any IT Criminal Act committed by Employee ... The Insurer, in partial derogation to exclusion 4.4 (Indirect Loss), shall indemnify the Insured for all Reconstitution Costs sustained by any Insured resulting directly from any IT Criminal Act","sources":[{"clause":"1.1","heading":"Coverage for Financial Loss and/or Property Loss","page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-commercial-crime-insurance-policy-irdan113cp0003v02201516/document/3225#c-1-1"},{"clause":"1.2","heading":"Coverage for Cash & Valuables","page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-commercial-crime-insurance-policy-irdan113cp0003v02201516/document/3225#c-1-2"},{"clause":"1.3","heading":"Coverage for the Insured’s Legal Liability","page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-commercial-crime-insurance-policy-irdan113cp0003v02201516/document/3225#c-1-3"},{"clause":"1.4","heading":"Fees and Expenses","page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-commercial-crime-insurance-policy-irdan113cp0003v02201516/document/3225#c-1-4"},{"clause":"2.1","heading":"Coverage for Additional Costs","page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-commercial-crime-insurance-policy-irdan113cp0003v02201516/document/3225#c-2-1"},{"clause":"2.2","heading":"Coverage for Expectation Damages","page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-commercial-crime-insurance-policy-irdan113cp0003v02201516/document/3225#c-2-2"},{"clause":"2.3","heading":"Coverage for Financial Loss as a result of an IT Criminal Act","page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-commercial-crime-insurance-policy-irdan113cp0003v02201516/document/3225#c-2-3"},{"clause":"2.4","heading":"Coverage for Reconstitution Costs as a result of an IT Criminal Act","page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-commercial-crime-insurance-policy-irdan113cp0003v02201516/document/3225#c-2-4"}],"law":[]},{"key":"deductible","label":"Deductible or excess","section":"Limits and co-pay","meaning":"Amount of each claim you bear.","status":"not-stated","value":null,"display":null,"note":"The policy applies a Retention and says the amount is specified in item 9 of the Schedule; the Schedule was not provided.","quote":null,"sources":[],"law":[]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"If the Policyholder cancels by written notice, cancellation takes effect immediately on the insurer’s receipt of the notice. The insurer refunds premium calculated at short-rate of the annual premium, retaining 1/8th up to 1 month, 2/8th for 1 to 2 months, 3/8th for 2 to 3 months, 4/8th for 3 to 4 months, 5/8th for 4 to 5 months, 6/8th for 5 to 6 months, 7/8th for 6 to 7 months, and the full annual premium for 7 months and above; no refund is due if a Criminal Act and/or IT Criminal has been Discovered before cancellation.","display":"Short-rate refund: insurer retains 1/8th up to 1 month, rising by eighths to 7/8th for 6 to 7 months; 7 months and above retains full annual premium. No refund if a Criminal Act and/or IT Criminal has been Discovered before cancellation.","note":null,"quote":"i) by the Policyholder sending a written notice of cancellation which shall take effect immediately upon the Insurer’s receipt of that written notice. On cancellation by the Policyholder, the Insurer shall refund any premium calculated at short-rate of the annual premium as stated below, unless a Criminal Act and/or IT Criminal has been Discovered before cancellation, in which case no refund shall be due; Table of Short Period Rates\nPeriod of Risk | Amount of Premium to be Retained by the\nUp to 1 month | 1/8th of the Annual Premium.\n1 month and above, up to 2 months | 2/8th of the Annual Premium.\n2 months and above, up to 3 months | 3/8th of the Annual Premium.\n3 months and above, up to 4 months | 4/8th of the Annual Premium.\n4 months and above, up to 5 months | 5/8th of the Annual Premium.\n5 months and above, up to 6 months | 6/8th of the Annual Premium.\n6 months and above, up to 7 months | 7/8th of the Annual premium.\n7 months and above | Full Annual Premium.","sources":[{"clause":"8.3(i)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-commercial-crime-insurance-policy-irdan113cp0003v02201516/document/3225#c-8-3-i"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"quote-verified","value":"Where legally permissible and subject to the policy terms and conditions, the policy applies to any Loss incurred anywhere in the world, unless item 10 of the Schedule states otherwise.","display":"Anywhere in the world, unless otherwise stated in item 10 of the Schedule.","note":"The Schedule was not provided, so any schedule-specific territorial restriction is not available.","quote":"Where legally permissible and subject to all terms and conditions of this policy, this policy shall apply to any Loss incurred anywhere in the world, unless otherwise stated in item 10 of the Schedule.","sources":[{"clause":"8.11","heading":"Territorial scope","page":12,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-commercial-crime-insurance-policy-irdan113cp0003v02201516/document/3225#c-8-11"}],"law":[]},{"key":"subject_covered","label":"What is insured","section":"Cover","meaning":"The thing or risk this policy covers.","status":"quote-verified","value":"The policy insures Loss sustained by an Insured from covered Criminal Acts and IT Criminal Acts, including financial loss, property loss, loss or destruction of cash and valuables, legal liability, expectation damages, additional costs, reconstitution costs, and consultant fees and expenses.","display":"Financial Loss and/or Property Loss from Criminal Acts; Cash & Valuables loss from Theft or Robbery; legal liability to Clients; fees and expenses; and listed extensions for Additional Costs, Expectation Damages, IT Criminal Act financial loss and Reconstitution Costs.","note":null,"quote":"The Insurer shall indemnify the Insured for all Financial Loss and/or Property Loss sustained by any Insured as a direct result of any Criminal Act ... The Insurer shall indemnify the Insured for any loss or destruction of Cash & Valuables located in the Premises, sustained by any Insured as a direct result of any Theft or Robbery. ... The Insurer shall indemnify the Insured for all Financial Loss sustained by any Insured as a result of any Claim by a Client for Legal Liability that directly results from a Criminal Act ... The Insurer shall indemnify the Insured for all reasonable costs, fees and expenses incurred with the prior written consent of the Insurer for any Consultant ... Loss means:\ni) Financial Loss;\nii) Property Loss as covered under insuring clause 1.1;\niii) Loss or destruction of Cash & Valuables as covered under insuring clause 1.2;\niv) Expectation Damages;\nv) Additional Costs;\nvi) Reconstitution Costs;\nvii) Fees and expenses as covered under insuring clause 1.4.","sources":[{"clause":"1.1","heading":"Coverage for Financial Loss and/or Property Loss","page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-commercial-crime-insurance-policy-irdan113cp0003v02201516/document/3225#c-1-1"},{"clause":"1.2","heading":"Coverage for Cash & Valuables","page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-commercial-crime-insurance-policy-irdan113cp0003v02201516/document/3225#c-1-2"},{"clause":"1.3","heading":"Coverage for the Insured’s Legal Liability","page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-commercial-crime-insurance-policy-irdan113cp0003v02201516/document/3225#c-1-3"},{"clause":"1.4","heading":"Fees and Expenses","page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-commercial-crime-insurance-policy-irdan113cp0003v02201516/document/3225#c-1-4"},{"clause":"3.27","heading":"Loss","page":4,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-commercial-crime-insurance-policy-irdan113cp0003v02201516/document/3225#c-3-27"}],"law":[]}],"documents":[{"kind":"wording","label":"Bajaj General Commercial Crime Insurance Policy Policy Wordings","pages":17,"fetched_at":"2026-10-17 19:44:16+00","source_url":"https://www.bajajgeneralinsurance.com/download-documents/commercial-insurance/commercial-general/Commercial-Crime.pdf","url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-commercial-crime-insurance-policy-irdan113cp0003v02201516/document/3225"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Bajaj General Insurance official website","url":"https://www.bajajgeneralinsurance.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","url":"https://www.bajajgeneralinsurance.com/general-insurance-claims.html","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":"Online grievance form","url":"https://www.bajajgeneralinsurance.com/forms/form-online-grievance.html","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":"Bajaj General Commercial Crime Insurance Policy (UIN IRDAN113CP0003V02201516), IndiaInsurances, https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-commercial-crime-insurance-policy-irdan113cp0003v02201516"}