{"uin":"IRDAN113CP0051V01201920","name":"Jewellers Comprehensive Protection Policy","url":"https://indiainsurances.com/policy/bajaj-general-insurance/jewellers-comprehensive-protection-policy-irdan113cp0051v01201920","insurer":{"slug":"bajaj-general-insurance","name":"Bajaj General Insurance Limited","url":"https://indiainsurances.com/insurer/bajaj-general-insurance"},"line":"general","category":"business","category_name":"Shop and business","irdai_type":"Main product","kind":"product","status":"active","approved_on":"2021-04-07","withdrawn_on":null,"summary":"This is a jewellers business policy covering stock, premises contents, liability, money, equipment and other section-based risks. Claim intimation is generally within 24 hours, territory defaults to Indian territory unless otherwise specified, and business interruption is only an optional cover.","analysis":{"state":"machine","analysed_at":"2026-10-20 08:30:02.791739+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 plan variants are stated; the document is arranged by sections and optional covers.","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 defines the policy period by the effective and expiry dates shown in the Schedule, but no fixed policy term is printed.","quote":null,"sources":[],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Duly completed claim form signed by the insured","Fire Brigade Report in case of Fire","Police report (FIR) for Theft and Burglary Claims","Police Final Investigation Report for Theft and Burglary Claims","Bills and invoices, valuation reports etc","NEFT details & cancelled cheque","Any other document deemed necessary to establish the loss or its quantum"],"display":"Claim form, Fire Brigade Report for fire, FIR and final police investigation report for theft/burglary, bills/invoices/valuation reports, NEFT details and cancelled cheque, and other documents needed to establish loss or quantum.","note":null,"quote":"Duly completed claim form signed by the insured, 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 sought from the Company, and; ... Fire Brigade Report in case of Fire ... Police report (FIR) for Theft and Burglary Claims ... Police Final Investigation Report for Theft and Burglary Claims ... Bills and invoices, valuation reports etc required to support and substantiate the claim amount ... NEFT details & cancelled cheque ... Any other document deemed necessary to establish the loss or its quantum depending upon the nature of claim.","sources":[{"clause":"14(a)","heading":null,"page":31,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/jewellers-comprehensive-protection-policy-irdan113cp0051v01201920/document/3198#c-14-a-8"},{"clause":"14(b)","heading":null,"page":31,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/jewellers-comprehensive-protection-policy-irdan113cp0051v01201920/document/3198#c-14-b-8"},{"clause":"14(c)","heading":null,"page":31,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/jewellers-comprehensive-protection-policy-irdan113cp0051v01201920/document/3198#c-14-c-5"},{"clause":"14(d)","heading":null,"page":31,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/jewellers-comprehensive-protection-policy-irdan113cp0051v01201920/document/3198#c-14-d-3"},{"clause":"14(e)","heading":null,"page":31,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/jewellers-comprehensive-protection-policy-irdan113cp0051v01201920/document/3198#c-14-e-3"},{"clause":"14(f)","heading":null,"page":31,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/jewellers-comprehensive-protection-policy-irdan113cp0051v01201920/document/3198#c-14-f"},{"clause":"14(g)","heading":null,"page":31,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/jewellers-comprehensive-protection-policy-irdan113cp0051v01201920/document/3198#c-14-g"}],"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":"The insurer appoints a surveyor within 72 hours of intimation, the surveyor reports within 30 days of appointment, and the Company offers settlement or rejects the claim within 30 days of the survey report or additional report. Payment is made within 7 days from acceptance of the offer.","display":"Surveyor within 72 hours; settlement offer or rejection within 30 days of survey report/additional report; payment within 7 days of acceptance.","note":null,"quote":"the company shall appoint a surveyor for assessing the loss/ claim within 72 hours of the receipt of intimation from the Insured. ... The surveyor shall communicate his/ her report to the Company within 30 days of his/ her appointment. ... the Company shall within a period of 30 days offer a settlement of the claim to the Insured. ... the payment of the amount due shall be made within 7 days from the date of acceptance of the offer by the insured. ... the reasons regarding the rejection shall be communicated to the insured in writing within 30 days of the receipt of documents.","sources":[{"clause":"14(g)","heading":null,"page":31,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/jewellers-comprehensive-protection-policy-irdan113cp0051v01201920/document/3198#c-14-g"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Loss of and/or damage to the Property Insured which may be sustained whilst the same is being actually worked upon or from any process of cleaning, repairing or restoring","Property missing at stock taking in respect of which no Claim has been previously notified","Loss of and/or damage to Property Insured due to mysterious circumstances/ disappearance or unexplained reasons","Loss of and/or damage to the Property Insured whilst the same is being worn or used by the Insured","Loss or damage to goods entrusted to the Insured by Private Clients and/or Customers solely for Safe Custody","Loss of and/or damage to the Property Insured whilst any Public Exhibition","Loss or damage caused by or arising from depreciation, gradual deterioration, wear and tear, inherent vice, latent defect","Theft or disappearance of Property insured from road vehicles of every description","Loss or damage occasioned by theft or dishonesty","Loss or damage arising from detention, confiscation, nationalization, requisition, occupation or willful destruction","Consequential loss of any kind or description","War, invasion, acts of foreign enemy, hostilities","Loss or damage caused by any act of Terrorism unless specifically insured","Ionising radiations from or contamination by radioactivity","The use or operation, as a means for inflicting harm, of any computer, computer system, computer software programme, computer virus or process or any other electronic system"],"display":"Main exclusions include work/process losses, stock-taking shortages, mysterious disappearance, worn/used stock, safe-custody goods, public exhibitions unless covered, wear and tear/depreciation, unattended vehicle theft, theft/dishonesty, government detention/confiscation, consequential loss, war, terrorism unless insured, nuclear contamination and cyber/electronic-system harm.","note":null,"quote":"Loss of and/or damage to the Property Insured which may be sustained whilst the same is being actually worked upon or from any process of cleaning, repairing or restoring ... Property missing at stock taking in respect of which no Claim has been previously notified ... Loss of and/or damage to Property Insured due to mysterious circumstances/ disappearance or unexplained reasons ... Loss of and/or damage to the Property Insured whilst the same is being worn or used by the Insured ... Loss or damage to goods entrusted to the Insured by Private Clients and/or Customers solely for Safe Custody. ... Loss of and/or damage to the Property Insured whilst any Public Exhibition ... Loss or damage caused by or arising from depreciation, gradual deterioration, wear and tear, inherent vice, latent defect ... Theft or disappearance of Property insured from road vehicles of every description ... Loss or damage occasioned by theft or dishonesty ... Loss or damage arising from detention, confiscation, nationalization, requisition, occupation or willful destruction ... Consequential loss of any kind or description ... War, invasion, acts of foreign enemy, hostilities ... Loss or damage caused by any act of Terrorism unless specifically insured. ... Ionising radiations from or contamination by radioactivity ... The use or operation, as a means for inflicting harm, of any computer, computer system, computer software programme, computer virus or process or any other electronic system.","sources":[{"clause":"2(a)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/jewellers-comprehensive-protection-policy-irdan113cp0051v01201920/document/3198#c-2-a-3"},{"clause":"2(b)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/jewellers-comprehensive-protection-policy-irdan113cp0051v01201920/document/3198#c-2-b-3"},{"clause":"2(d)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/jewellers-comprehensive-protection-policy-irdan113cp0051v01201920/document/3198#c-2-d"},{"clause":"2(b)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/jewellers-comprehensive-protection-policy-irdan113cp0051v01201920/document/3198#c-2-b-5"},{"clause":"2(c)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/jewellers-comprehensive-protection-policy-irdan113cp0051v01201920/document/3198#c-2-c-3"},{"clause":"2(a)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/jewellers-comprehensive-protection-policy-irdan113cp0051v01201920/document/3198#c-2-a-6"},{"clause":"2(b)","heading":"The use or operation, as a","page":7,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/jewellers-comprehensive-protection-policy-irdan113cp0051v01201920/document/3198#c-2-b-7"}],"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 raise the concern with Bajaj Allianz General Insurance's Customer Experience Team through its website, toll-free number, email or written address. If not satisfied, write to the Grievance Redressal Officer before further escalation.","display":"Level 1: Customer Experience Team; Level 2: Grievance Redressal Officer.","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 @ https://general.bajajallianz.com/Corp/aboutus/general-insurance-customer-service.jsp\n• Call us on our Toll free no 1800 209 5858\n• Mail us on bagichelp@bajajallianz.co.in\n• Write to Bajaj Allianz General Insurance Co. Ltd. Bajaj Allianz House, Airport Road, Yerwada Pune- 411006 Level 2 In case you are not satisfied with the response given to you by our team, you may write to our Grievance Redressal Officer Mr. Jerome Vincent at ggro@bajajallianz. co.in","sources":[{"clause":"26","heading":"Grievance Redressal Procedure","page":35,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/jewellers-comprehensive-protection-policy-irdan113cp0051v01201920/document/3198#c-26-2"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"deductible","label":"Deductible or excess","section":"Limits and co-pay","meaning":"Amount of each claim you bear.","status":"quote-verified","value":"Deductible or excess varies by section. For key property stock sections it is generally the first 5% of each claim subject to minimums, with other section-specific deductibles such as Rs. 2,500 for plate glass/neon/portable equipment, Rs. 50,000 for public liability and 1% of Sum Insured subject to Rs. 2500 for machinery breakdown.","display":"Varies by section; generally 5% of claim with section-specific minimums.","note":"Examples: Section 1 minimums change by sum insured; Sections 2 and 3 use Rs. 25,000 minimum except Door to Door air transit Rs. 50,000; public liability is Rs. 50,000 per claim; machinery breakdown is 1% of sum insured for each machine subject to Rs. 2500 minimum.","quote":"Deductible means the amount stated in the Schedule, which shall be borne by the Insured in respect of each and every Claim made under this Policy. ... The First 5% of each and every claim amount subject to a minimum of INR 10,000 for Sum Insured Up to INR 10 Cr. ... The First 5% of each and every claim amount subject to a minimum of INR 25,000 except for Air Transits on Door to Door Basis for which the Excess shall be the First 5% of each and every claim amount subject to a minimum of INR 50,000 unless specifically revised by the Insurer. ... Deductible: 5% of the claim amount subject to a minimum of Rs. 2,500/- for each and every claim. ... Deductible: Rs. 50,000/- for each and every claim. ... Deductible: 1 % of Sum Insured for each machine subject to a minimum of Rs. 2500/- to be first borne by the Insured out of each and every claim","sources":[{"clause":"10","heading":"Deductible","page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/jewellers-comprehensive-protection-policy-irdan113cp0051v01201920/document/3198#c-10"},{"clause":"2(a)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/jewellers-comprehensive-protection-policy-irdan113cp0051v01201920/document/3198#c-2-a-2"},{"clause":"2(a)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/jewellers-comprehensive-protection-policy-irdan113cp0051v01201920/document/3198#c-2-a-3"},{"clause":"1","heading":"Deductible","page":16,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/jewellers-comprehensive-protection-policy-irdan113cp0051v01201920/document/3198#c-1-6"},{"clause":null,"heading":"EXCLUSIONS","page":23,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/jewellers-comprehensive-protection-policy-irdan113cp0051v01201920/document/3198#c-exclusions-8"},{"clause":"1","heading":"Deductible","page":26,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/jewellers-comprehensive-protection-policy-irdan113cp0051v01201920/document/3198#c-1-13"}],"law":[]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"The insured may cancel at any time on fifteen days written notice. If no claim has arisen, refund is premium paid less the Company's short period rates for the period in force; no refund is due if a claim has been made.","display":"Fifteen days written notice; refund premium less short period rates if no claim; no refund if a claim was made.","note":null,"quote":"The Policy may be cancelled at any time by the Insured on fifteen days written notice to the Company and provided no claim has arisen during the Policy Period, the Insured shall be entitled to a return of premium less premium at the Company’s Short Period rates for the period Policy has been in force. However, no refund of premium shall be due on cancellation if the Insured has made a claim under this Policy.","sources":[{"clause":"19","heading":"Cancellation","page":32,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/jewellers-comprehensive-protection-policy-irdan113cp0051v01201920/document/3198#c-19-2"}],"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 default geographical limit is Indian territory unless otherwise specified. Some covers vary, such as stock exhibition within India or abroad as mentioned in the Policy Schedule, while indemnity is restricted to claims brought in India and determined by Indian law.","display":"Indian territory, unless otherwise specified.","note":"Exhibition cover can apply within India or abroad as mentioned in the Policy Schedule; liability wording restricts indemnity to claims brought in India.","quote":"Geographical Limits means Indian territory, unless otherwise specified ... whilst in transit, from any insured premises and/or point of origin to the exhibition site and vice versa and during display and overnight storage at the exhibition site, within India or abroad as mentioned in the Policy Schedule. ... The indemnity provided under this Policy is restricted to claims brought in India and determined according to Indian law, and the obligation of the Company to make payment shall be to make payment in Indian Rupees only.","sources":[{"clause":"14","heading":"Geographical Limits","page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/jewellers-comprehensive-protection-policy-irdan113cp0051v01201920/document/3198#c-14"},{"clause":null,"heading":"SCOPE OF COVER","page":13,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/jewellers-comprehensive-protection-policy-irdan113cp0051v01201920/document/3198#c-scope-of-cover-6"},{"clause":"25","heading":"Territorial Limits","page":34,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/jewellers-comprehensive-protection-policy-irdan113cp0051v01201920/document/3198#c-25-2"}],"law":[]},{"key":"property_covered","label":"Property covered","section":"Cover","meaning":"Building, stock, plant, machinery, contents.","status":"quote-verified","value":"The policy covers jewellers' stock and stock in trade, cash/currency where specifically insured, building and business contents, fixed glasses, neon and illuminated signs, portable equipment, electronic equipment, money in transit, and electrical/mechanical equipment, subject to the chosen sections and schedule limits.","display":"Stock and stock in trade, cash/currency, building, business contents, plate glass, neon signs, portable and electronic equipment, money and electrical/mechanical equipment.","note":null,"quote":"Stock and Stock in Trade consisting of Jewellery, Gold or Silver Ornaments, Plates made of gold, silver or studded with precious stones, Pearls and Diamonds and Precious Stones, precious metals/articles of any sort or kind whatsoever ... and Cash and Currency notes specifically insured ... Building which is not of Kutcha construction belonging to the Insured including boundary walls, gates and fences, plinths and foundation and business and trade furniture, fixtures, fittings including electrical installations, safes, office machinery and electrical and mechanical appliances, tools and instruments for business, interior decorations, improvements, landlords fixtures and fittings, Chandeliers and any other similar item related to the Insured’s trade ... Fixed Glasses and their related fittings at the Insured’s premises related to the above trade ... Neon & illuminated Signs, Hoardings at the Insured’s Premises related to the above trade ... Portable Equipment includes Laptops, Mobile Phones, I- Pads, I Pods and any other portable equipment specifically Insured. ... Electronic Equipment’s including Computers, Fax Machine, CCTV or any other electronic equipment’s including accessories ... Money (Cash /Currency) belonging to the Insured whilst in direct transit between specified locations ... All Electrical and Mechanical Equipments at the Insured Premises","sources":[{"clause":"Section 1","heading":"STOCK IN PREMISES","page":2,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/jewellers-comprehensive-protection-policy-irdan113cp0051v01201920/document/3198#c-section-1"},{"clause":null,"heading":"PROPERTY INSURED","page":7,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/jewellers-comprehensive-protection-policy-irdan113cp0051v01201920/document/3198#c-property-insured-2"},{"clause":"Section 7","heading":"PLATE GLASS","page":16,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/jewellers-comprehensive-protection-policy-irdan113cp0051v01201920/document/3198#c-section-7"},{"clause":"Section 8","heading":"NEON SIGN","page":17,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/jewellers-comprehensive-protection-policy-irdan113cp0051v01201920/document/3198#c-section-8"},{"clause":"Section 9","heading":"PORTABLE EQUIPMENTS","page":18,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/jewellers-comprehensive-protection-policy-irdan113cp0051v01201920/document/3198#c-section-9"},{"clause":"Section 11","heading":"ELECTRONIC EQUIPMENTS","page":20,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/jewellers-comprehensive-protection-policy-irdan113cp0051v01201920/document/3198#c-section-11"},{"clause":null,"heading":"PROPERTY INSURED","page":25,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/jewellers-comprehensive-protection-policy-irdan113cp0051v01201920/document/3198#c-property-insured-4"},{"clause":null,"heading":"PROPERTY INSURED","page":26,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/jewellers-comprehensive-protection-policy-irdan113cp0051v01201920/document/3198#c-property-insured-5"}],"law":[]},{"key":"business_interruption","label":"Business interruption","section":"Cover","meaning":"Loss of profit while the business cannot run.","status":"quote-verified","value":"Business interruption is not part of the base cover; consequential losses including business interruption are excluded in sections such as burglary, fidelity and money. It is available only as an optional Business Interruption Cover on payment of additional premium.","display":"Not covered in the base policy unless Optional Cover 7 Business Interruption Cover is bought.","note":"Optional Cover 7 applies only when added and when Section 4(A) cover for the property is in force and liability is admitted or paid, subject to its conditions.","quote":"Any consequential losses of any kind be they by way of loss of profit, business interruption, market loss or otherwise, and any other legal liability of any kind. ... OPTIONAL COVER 7 ... BUSINESS INTERRUPTION COVER ... the Company agrees ... that if any building or other property or any part thereof used by the Insured at the premises for the purpose of the Business, be destroyed or damaged by the perils covered under Section 4( A ) ... and the Business carried on by the Insured at the Premises be in consequence thereof interrupted or interfered with, then the company will pay to the insured","sources":[{"clause":"3.4(c)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/jewellers-comprehensive-protection-policy-irdan113cp0051v01201920/document/3198#c-3-4-c-4"},{"clause":null,"heading":"OPTIONAL COVER 7","page":49,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/jewellers-comprehensive-protection-policy-irdan113cp0051v01201920/document/3198#c-optional-cover-7"}],"law":[]},{"key":"sum_insured_basis","label":"Sum insured basis","section":"Cover","meaning":"How the cover amount is set: market value, reinstatement value, agreed value, IDV.","status":"quote-verified","value":"Stock valuation is generally the insured's cost plus ten per cent, with diamonds valued at selling price less ten per cent where cost cannot be derived. Building, machinery and furniture/fixtures/fittings can be on reinstatement value, other contents are on market value, electronic equipment sum insured must equal replacement cost, and machinery breakdown requires replacement cost of new property of the same kind and capacity.","display":"Stock: cost plus 10% or diamonds selling price less 10%; building/machinery/furniture fixtures: reinstatement value; other contents: market value; machinery/electronic equipment: replacement cost basis.","note":"Basis varies by section and by property type.","quote":"The basis of valuation of property insured for the purpose of this insurance, unless otherwise agreed by the insurer shall be the Insured’s Cost plus ten per cent thereof, but in case of diamonds where it is not possible to derive the cost it shall be Selling Price less ten per cent. ... Reinstatement Value Clause as stated below shall be applicable only to Building, Machinery and Furniture, Fixtures and Fittings. All other Contents shall be insured on Market Value Basis ... The Sum Insured in respect of each item of Electronic Equipment, External Data Media and Personal Computer must equal the cost of the replacement of the same with new property of the same kind and capacity. ... It is the requirement of this Insurance that the Sum Insured shall be equal to the cost of replacement of the insured property by new property of the same kind and same capacity","sources":[{"clause":null,"heading":"BASIS OF VALUATION","page":3,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/jewellers-comprehensive-protection-policy-irdan113cp0051v01201920/document/3198#c-basis-of-valuation"},{"clause":null,"heading":"MAINTENANCE OF SUM INSURED","page":12,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/jewellers-comprehensive-protection-policy-irdan113cp0051v01201920/document/3198#c-maintenance-of-sum-insured-4"},{"clause":null,"heading":"SPECIAL CONDITIONS","page":21,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/jewellers-comprehensive-protection-policy-irdan113cp0051v01201920/document/3198#c-special-conditions-7"},{"clause":"14(a)","heading":null,"page":27,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/jewellers-comprehensive-protection-policy-irdan113cp0051v01201920/document/3198#c-14-a"}],"law":[]},{"key":"under_insurance","label":"Under-insurance (average) clause","section":"Limits and co-pay","meaning":"If the sum insured is less than the real value, claims are cut in proportion.","status":"quote-verified","value":"If the property value is greater than the sum insured at the time of loss, the insured is treated as self-insurer for the difference and bears a rateable share of loss. If the optional waiver of under-insurance up to 15% is opted, average does not apply when the sum insured is at least 85% of collective value.","display":"Average applies; claim is reduced rateably if value exceeds sum insured, with optional waiver up to 15%.","note":null,"quote":"If the Property covered hereby on all specified premises shall at the time of loss or damage by any perils hereby insured against, be collectively of greater value than the Sum Insured, then the Insured shall be considered as being his own insurer for the difference and shall bear a retable share loss or damage accordingly. ... Amended Condition of Average Applicable only if Waiver of Under Insurance up to 15% is Opted: ... However, if the Sum Insured is at the time of an insured event not less than 85% (eighty five percent) of the collective value of the Insured Contents, this condition shall be of no purpose and effect.","sources":[{"clause":"4","heading":"Condition of Average","page":3,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/jewellers-comprehensive-protection-policy-irdan113cp0051v01201920/document/3198#c-4-2"},{"clause":"5","heading":null,"page":3,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/jewellers-comprehensive-protection-policy-irdan113cp0051v01201920/document/3198#c-5-2"}],"law":[]}],"documents":[{"kind":"wording","label":"Jewellers Comprehensive Protection Policy (IRDAI copy)","pages":53,"fetched_at":"2026-10-20 00:28:49+00","source_url":"https://irdai.gov.in/documents/37343/993134/IRDAN113RP0004V02201415_GEN4402.pdf/2ce31738-901d-3e56-a5a6-8787099a98ca?version=1.1&t=1668876887097&download=true","url":"https://indiainsurances.com/policy/bajaj-general-insurance/jewellers-comprehensive-protection-policy-irdan113cp0051v01201920/document/23672"},{"kind":"brochure","label":"Jewellers Comprehensive Protection Policy Brochure","pages":55,"fetched_at":"2026-10-17 19:42:54+00","source_url":"https://www.bajajgeneralinsurance.com/download-documents/withdrawn-products-non-health/Jewellers-Comprehensive-Protection-Policy.pdf","url":"https://indiainsurances.com/policy/bajaj-general-insurance/jewellers-comprehensive-protection-policy-irdan113cp0051v01201920/document/3198"},{"kind":"brochure","label":"Jewellers Comprehensive Protection Policy - Sookshma Udyam Suraksha Brochure","pages":52,"fetched_at":"2026-10-17 19:43:01+00","source_url":"https://www.bajajgeneralinsurance.com/download-documents/withdrawn-products-non-health/Jewellers-Comprehensive-Protection-Policy-Sookshma-Udyam-Suraksha.pdf","url":"https://indiainsurances.com/policy/bajaj-general-insurance/jewellers-comprehensive-protection-policy-irdan113cp0051v01201920/document/3201"}],"versions":[{"uin":"IRDAN113RP0004V02201415","version":null,"approved_on":null},{"uin":"IRDAN113CP0051V01201920","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":"Jewellers Comprehensive Protection Policy (UIN IRDAN113CP0051V01201920), IndiaInsurances, https://indiainsurances.com/policy/bajaj-general-insurance/jewellers-comprehensive-protection-policy-irdan113cp0051v01201920"}