{"uin":"IRDAN113CP0003V02201819","name":"Title Insurance","url":"https://indiainsurances.com/policy/bajaj-general-insurance/title-insurance-irdan113cp0003v02201819","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":"Main product","kind":"product","status":"active","approved_on":"2018-09-01","withdrawn_on":null,"summary":"Title Insurance indemnifies the insured for Loss and Expenses during the policy period for insured title risks relating to the property in India. Claims must be notified immediately and within 15 days, and the deductible is 1% of Limit of Indemnity or 5% of the claim amount whichever is greater unless revised in the Policy Schedule.","analysis":{"state":"machine","analysed_at":"2026-10-20 02:04:40.056951+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 only defines Policy Period by the Risk Inception Date and Risk end dates shown in the Policy Schedule; no fixed term is stated.","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":"The insured must give written notice immediately and in any event within 15 days about any matter which may lead to a loss, liability or claim.","display":"Immediately and in any event within 15 days","note":null,"quote":"The Insured shall immediately and in any event within 15 days give written notice about any matter which may lead to a loss liability or claim under this Policy to the Company or any of Company’s representatives and appointees, at the address shown in the Schedule","sources":[{"clause":"23(a)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/title-insurance-irdan113cp0003v02201819/document/3299#c-23-a-4"}],"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":["completed claim form detailing the Loss or damage","an estimate of the quantum of any claim","all documentation required to support and substantiate the amount of Indemnification sought","information, assistance, records and documentation in relation to the defence of a claim or conduct of any proceedings","books of accounts, receipts, documents relating to or containing entries relating to the Loss"],"display":"Completed claim form, estimate of claim quantum, supporting documentation, records and documents for defence or proceedings, and books/accounts/receipts if required.","note":null,"quote":"The Insured shall within 90 days deliver to the Company its completed claim form detailing the Loss or damage that has occurred and an estimate of the quantum of any claim along with all documentation required to support and substantiate the amount of Indemnification sought from the Company, and ... The Insured shall at its own expense provide information and assistance to the Insurer’s representatives and appointees all the information, assistance, records and documentation in relation to the defence of a claim or conduct of any proceedings ... The Insured shall, on being required so to do by the Company, produce all books of accounts, receipts, documents relating to or containing entries relating to the Loss or such circumstance in his possession and furnish copies of or extracts from them as may be required by the Company","sources":[{"clause":"23(c)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/title-insurance-irdan113cp0003v02201819/document/3299#c-23-c-3"},{"clause":"23(d)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/title-insurance-irdan113cp0003v02201819/document/3299#c-23-d-3"},{"clause":"23(I)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/title-insurance-irdan113cp0003v02201819/document/3299#c-23-i-2"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"quote-verified","value":"On receipt of all required relevant and necessary claim information/documents, the company must offer a settlement within 30 days. If it rejects a claim, it must do so within 30 days from receipt of the last relevant and necessary document; if not settled within 30 days, interest is 2% above the bank rate from receipt of the last relevant and necessary document until actual payment.","display":"Settlement offer within 30 days of all required documents; rejection within 30 days of last relevant document; delayed settlement interest at 2% above bank rate.","note":null,"quote":"On receipt of all required information/ documents that are relevant and necessary for the claim, the Company shall, within a period of 30 days offer a settlement of the claim to the insured. ... If the Company, for any reasons, decides to reject a claim under the Certificate of Insurance read with Policy, it shall do so within a period of 30 days from the receipt of last relevant and necessary document. ... In the event the claim is not settled within 30 days as stipulated above, the insurer shall be liable to pay interest at a rate, which is 2% above the bank rate, from the date of receipt of last relevant and necessary document from the insured/claimant by insurer till the date of actual payment.","sources":[{"clause":"23(I)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/title-insurance-irdan113cp0003v02201819/document/3299#c-23-i-2"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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 contact the Customer Experience Team through the website, toll-free number, email or postal address. If not satisfied, write to the Grievance Redressal Officer at ggro@bajajgeneral.com before approaching the Insurance Ombudsman.","display":"Level 1 Customer Experience Team; Level 2 Grievance Redressal Officer at ggro@bajajgeneral.com.","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","sources":[{"clause":"23(I)(c)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/title-insurance-irdan113cp0003v02201819/document/3299#c-23-i-c-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":["The Title to the Property belonging to someone other than the Insured","Title to the Property is not good and marketable and or no subsisting Title with Insured.","Descriptions and plans in historic Title deeds to the Property are inadequate","missing Title deeds or errors in the drafting and/or execution of links in the chain of the Title to the Property","The Property or part of the Property has encroached upon an adjoining owner’s property","A previous owner or the vendor of the Property sold or disposed of the Property by gift, below Market Value or with intent to defeat or delay creditors and the transfer is set aside","An Adverse Entry that would have been identified in the Searches","leasehold inconsistency with ownership or superior lease where a head lessor establishes or attempts to establish an adverse interest","leasehold defective and as a result the Insured does not have a good and marketable and subsisting Title","A right of occupation/possession is defeated, pursuant to an inferior interest in the Property","errors or omissions in the drafting and / or registration of the Title interest","local authority takes enforcement action because of a failure on part of a predecessor in Title","an occupancy certificate is not available","Rights and permissions/approvals/sanctions required in connection with the Insured Use of Property is not in place","An historic transaction is subject to an act of forgery or fraud by a third party"],"display":"Covers listed insured title risks, including someone else having title, bad or unmarketable title, inadequate or missing deeds, encroachment, certain void prior transfers, adverse entries, leasehold defects, defeated occupation rights, title drafting/registration errors, predecessor compliance failures, missing occupancy certificate, missing rights/permissions, burdens/third-party rights, and historic forgery or fraud.","note":null,"quote":"COVERAGE The Company shall indemnify the Insured from the Risk Inception Date in respect of Loss and Expenses sustained by the Insured during the Policy Period, as to the Property subject to the terms, conditions and exclusions of this Policy, arising out of Insured Risk(s) as listed below:\n1. The Title to the Property belonging to someone other than the Insured\n2. Title to the Property is not good and marketable and or no subsisting Title with Insured.\n3. Descriptions and plans in historic Title deeds to the Property are inadequate and/ or due to the number of historic Title deeds in the chain of Title to the Property it is impossible to confirm that the occupational extent/area in possession of Insured in the Property matches the legal extent in Title Deeds.\n4. There are missing Title deeds or errors in the drafting and/or execution of links in the chain of the Title to the Property\n5. The Property or part of the Property has encroached upon an adjoining owner’s property\n6. A previous owner or the vendor of the Property sold or disposed of the Property ... i) Where the Title to the Property has been transferred by way of a gift; or ... ii) Where a payment for the transfer of the Title to the Property has been made but that payment was at less than the Market Value of the Property as stated in the ready reckoner (as published by the respective State governments each year) at the date of the transfer; ... iii) where the transfer is made with an intent to defeat or delay the creditors of the transferor(s) as stipulated in Sec. 53 of the Transfer of Property Act 1882 and in any of the above situations the transfer of the Property is set aside by a Court having competent jurisdiction holding such transfer to be null and void\n7. An Adverse Entry that would have been identified in the Searches\n8. If the Property is leasehold and the Insured’s lease is inconsistent with the ownership of the Property or any superior lease and a head lessor establishes or attempts to establish an adverse interest after the Risk Inception Date provided that:\ni. There has been no breach of the headleases by the Insured other than non-payment of rent where the Landlord is absent, and\nii. That the Insured has not communicated without the Insurer’s written consent with any party considered to be entitled to enforce an adverse interest or applied to the Lands Tribunal or to a Court in respect of an adverse interest\n9. If the Property is leasehold and the lease is defective and as a result the Insured does not have a good and marketable and subsisting Title to such leasehold rights.\n10. A right of occupation/possession is defeated, pursuant to an inferior interest in the Property\n11. There are errors or omissions in the drafting and / or registration of the Title interest pursuant to which the Property is held which results in the unenforceability of provisions of such Title deeds which benefit the Insured or adversely impacts on the Insured’s obligations pursuant to the Title document and / or registration of the Title document\n12. The local authority takes enforcement action because of a failure on part of a predecessor in Title to comply with the terms and conditions of the building permissions, building Bye-laws, local development control regulations and local town planning laws and or Municipal/corporation Act, including where the developer is required to make certain non-monetary contributions and perform certain acts towards social services due to the new development and due to such failure on part of a predecessor in Title, the Property insured by the Insurer is adversely affected\n13. Where an occupancy certificate, issued by the competent local authority certifying that a building is constructed as per the sanctioned plans and is fit for occupancy, is not available in a situation where the Property includes land and structure constructed on such land and both the land and structure are owned by the Insured provided that the feasibility of obtaining such occupancy certificate is not barred by any laws.\n14. The necessary legally required Rights and permissions/approvals/sanctions required in connection with the Insured Use of Property is not in place.\n15. A Right is incapable of being exercised because the Title to the route thereof is burdened by rights, restrictions, covenants and reservations in favour of third parties\n16. Where there is no organisation of flat owners/society/condominium/incorporate company and there is a challenge by third parties to common parts of the Property\n17. The Insured Use constitutes a breach of Burdens\n18. The Title to the Property may be subject to unknown Burdens or variations or discharge of burdens which may have been imposed in historic deeds executed prior to the Risk Inception Date.\n19. A third party has the benefit of legally constituted rights, exceptions, reservations, and conditions over the Property which prevents the Property being used for the Insured Use\n20. An historic transaction is subject to an act of forgery or fraud by a third party that adversely affects the Insured’s Rights and/or the Title to the Property.","sources":[{"clause":"23","heading":"Title","page":2,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/title-insurance-irdan113cp0003v02201819/document/3299#c-23"},{"clause":"23(i)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/title-insurance-irdan113cp0003v02201819/document/3299#c-23-i"},{"clause":"23(ii)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/title-insurance-irdan113cp0003v02201819/document/3299#c-23-ii"},{"clause":"23(iii)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/title-insurance-irdan113cp0003v02201819/document/3299#c-23-iii"}],"law":[]},{"key":"deductible","label":"Deductible or excess","section":"Limits and co-pay","meaning":"Amount of each claim you bear.","status":"quote-verified","value":"The deductible/excess is borne by the insured for each and every claim. It is 1% of the Limit of Indemnity or 5% of the claim amount, whichever is greater, unless specifically revised and altered by the insurer and mentioned in the Policy Schedule.","display":"1% of Limit of Indemnity or 5% of claim amount, whichever is greater, per claim unless revised in the Policy Schedule.","note":null,"quote":"Deductible/Excess means the amount which shall be borne by the Insured in respect of each and every claim made under the Policy. The Company’s liability to make any payment under the Policy is over and above this Deductible. ... Deductible: 1% of Limit of Indemnity or 5% of the claim amount whichever is greater, unless specifically revised and altered by the Insurer and mentioned in the Policy Schedule.","sources":[{"clause":"4","heading":"Deductible/Excess","page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/title-insurance-irdan113cp0003v02201819/document/3299#c-4"},{"clause":"23(iii)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/title-insurance-irdan113cp0003v02201819/document/3299#c-23-iii"}],"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":"Where cancellation is due to an Indian law or regulation restricting the insurer's ability to provide coverage, cancellation by either the insured or insurer lets the insurer retain the pro rata premium during the first 12 months and the whole premium thereafter.","display":"Under the sanction/law restriction clause: pro-rata refund during the first 12 months; no refund thereafter.","note":"No general voluntary cancellation refund for the insured is stated outside this law/regulation restriction clause.","quote":"In the event of any Indian law or regulation becoming applicable during the Policy period which will restrict the ability of the Insurer to provide coverage as specified in sub-clause 17(a) above then both the Insured and the Insurer shall have the right to cancel this Policy in accordance with the Indian laws and regulations applicable to the Policy provided that in respect of cancellation by the Insurer a minimum of 15 days’ notice in writing be given unless Indian law does not permit any such notice. In the event of cancellation by either the Insured or the Insurer, the Insurer shall retain the pro rata proportion of the premium during the first 12 months that the Policy has been in force and thereafter the Insurer shall retain the whole premium.","sources":[{"clause":"23(I)(c)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/title-insurance-irdan113cp0003v02201819/document/3299#c-23-i-c-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":"quote-verified","value":"The policy covers insured risks arising after the Risk Inception Date and during the Policy Period within India; admissible claims are paid within India in Indian Rupees only.","display":"Within India; claims paid within India in Indian Rupees only.","note":null,"quote":"Territorial Limits This Policy covers Insured Risk of Insured arising after the Risk Inception Date and during the Policy Period within India. The Company’s liability to make any payment under admissible claims shall be to make payment to the Insured within India and in Indian Rupees only.","sources":[{"clause":"23(I)(c)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/title-insurance-irdan113cp0003v02201819/document/3299#c-23-i-c-2"}],"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 the immoveable property of land, including permanent structures or erections permanently embedded in it, at the address in the Policy Schedule and owned by the insured or for which the insured is legally liable, against covered title-related Loss and Expenses.","display":"Immoveable property of land at the Policy Schedule address, including permanent structures, against covered title-related Loss and Expenses.","note":null,"quote":"Property means the immoveable property of land (inclusive of permanent structure and/or erections permanently imbedded therein, if any) at the address mentioned in the Policy Schedule, which is owned by the Insured or for which the Insured is legally liable. ... The Company shall indemnify the Insured from the Risk Inception Date in respect of Loss and Expenses sustained by the Insured during the Policy Period, as to the Property subject to the terms, conditions and exclusions of this Policy, arising out of Insured Risk(s)","sources":[{"clause":"19","heading":"Property","page":2,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/title-insurance-irdan113cp0003v02201819/document/3299#c-19"},{"clause":"23","heading":"Title","page":2,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/title-insurance-irdan113cp0003v02201819/document/3299#c-23"}],"law":[]}],"documents":[{"kind":"wording","label":"Title Insurance Policy Wordings","pages":14,"fetched_at":"2026-10-17 19:46:56+00","source_url":"https://www.bajajgeneralinsurance.com/download-documents/commercial-insurance/Policy-Wordings.pdf","url":"https://indiainsurances.com/policy/bajaj-general-insurance/title-insurance-irdan113cp0003v02201819/document/3299"},{"kind":"wording","label":"Title Insurance (IRDAI copy)","pages":15,"fetched_at":"2026-10-20 00:27:58+00","source_url":"https://irdai.gov.in/documents/37343/993134/IRDAN113CP0003V01201819_GEN2088.pdf/7bca3569-2c32-7ede-ad76-2323f16b385f?version=1.1&t=1668332089688&download=true","url":"https://indiainsurances.com/policy/bajaj-general-insurance/title-insurance-irdan113cp0003v02201819/document/23573"}],"versions":[{"uin":"IRDAN113CP0003V01201819","version":null,"approved_on":null},{"uin":"IRDAN113CP0003V02201819","version":null,"approved_on":null}],"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":"Title Insurance (UIN IRDAN113CP0003V02201819), IndiaInsurances, https://indiainsurances.com/policy/bajaj-general-insurance/title-insurance-irdan113cp0003v02201819"}