{"uin":"IRDAN113RP0064V01202223","name":"Asset Suraksha – Flexi Guard","url":"https://indiainsurances.com/policy/bajaj-general-insurance/asset-suraksha-flexi-guard-irdan113rp0064v01202223","insurer":{"slug":"bajaj-general-insurance","name":"Bajaj General Insurance Limited","url":"https://indiainsurances.com/insurer/bajaj-general-insurance"},"line":"general","category":"other-general","category_name":"Other general insurance","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Asset Suraksha – Flexi Guard insures specified new/refurbished/used portable items and other items including accessories against selected asset loss or damage covers such as accidental damage, burglary, robbery and breakdown. Claim notice must be given immediately and within 24 hours, and the insurer must offer settlement or reject the claim within 30 days after receiving the last relevant and necessary document.","analysis":{"state":"machine","analysed_at":"2026-10-20 02:52:25.574023+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":"The wording presents cover parts, cover options and extensions, but does not name plans or variants.","quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"not-stated","value":null,"display":null,"note":"The wording defines Policy Period/Cover Period by reference to the Policy Schedule or Certificate of Insurance and also contemplates short-term and long-term policies, so no single policy term is printed for the product.","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 24 hours of any event giving rise to or likely to give rise to a claim.","display":"Immediately and in any event within 24 hours","note":null,"quote":"The Insured shall immediately and in any event within 24 hours give written notice of the same to the Company or any of its representatives and appointees","sources":[{"clause":"1(a)","heading":null,"page":20,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/asset-suraksha-flexi-guard-irdan113rp0064v01202223/document/3314#c-1-a-7"}],"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","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 mandate with details & cancelled cheque","Any other document deemed necessary to establish the loss or its quantum depending upon the nature of claim"],"display":"Claim form, FIR and police final investigation report for theft and burglary, bills/invoices/valuation reports, NEFT mandate with cancelled cheque, and any other document needed for the loss or quantum","note":null,"quote":"i) 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;\nii. Police report (FIR) for Theft and Burglary claims\niii. Police Final Investigation Report for Theft and Burglary claims\niv. Bills and invoices, valuation reports etc. required to support and substantiate the claim amount\nv. NEFT mandate with details & cancelled cheque\nvi. Any other document deemed necessary to establish the loss or its quantum depending upon the nature of claim.","sources":[{"clause":"1(i)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/asset-suraksha-flexi-guard-irdan113rp0064v01202223/document/3314#c-1-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 information/documents, the company must offer settlement within 30 days. If it rejects the 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 payable at 2% above the bank rate from receipt of the last relevant and necessary document till actual payment.","display":"Settlement offer within 30 days of all required documents; rejection within 30 days of last relevant document; 2% above bank rate interest for delay","note":null,"quote":"On receipt of the all required information/ documents that are relevant and necessary for the claim, as the case may be, the Company shall within a period of 30 days offer a settlement of the claim to the Insured. If the Company, for any reasons to be recorded writing and communicated to Insured, decides to reject a claim under the Policy/Group Policy, it shall do so within a period of 30 days from the receipt of the 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":"1(f)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/asset-suraksha-flexi-guard-irdan113rp0064v01202223/document/3314#c-1-f-2"},{"clause":"1(g)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/asset-suraksha-flexi-guard-irdan113rp0064v01202223/document/3314#c-1-g-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":"quote-verified","value":["The Deductible and/or Co-pay as specified in Policy Schedule/Certificate of Insurance","Loss, destruction or damage caused by war, invasion, act of foreign enemy hostilities or war like operations","Ionizing radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste","Loss, damage or liability arising directly or indirectly from seepage, pollution or contamination","Loss of earnings, loss by delay, loss of market or other consequential or indirect loss or damage","Defective workmanship material or design, latent defect, wear and tear depreciation","Manufacturing defects for which the manufacturer is responsible under warranty/guarantee contract","Loss or damage due to faults existing at the time of commencement of this insurance","Physical loss or damage to the Insured Asset(s) in transit under contract of affreightment","Mysterious disappearance and Unexplained Losses","Any loss or damage to Insured Asset(s) used for rental or profit generation purposes","Loss or damage outside the opted geographic limits"],"display":"Deductible/co-pay, war, nuclear radiation, pollution, consequential loss, wear and tear/latent defect, manufacturer defects, known pre-existing faults, transit under contract of affreightment, mysterious disappearance, rental/profit use, and outside opted geographic limits","note":"General exclusions apply to Part 1, Part 2 and Part 3; section-specific exclusions also apply.","quote":"The Deductible and/or Co-pay as specified in Policy Schedule/Certificate of Insurance shall apply for each and every loss arising out of the respective perils in respect of which the Insured is indemnified under this Policy/Group Policy. ... Loss, destruction or damage caused by war, invasion, act of foreign enemy hostilities or war like operations ... Ionizing radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel. ... Loss, damage or liability arising directly or indirectly from seepage, pollution or contamination; however, such seepage, pollution or contamination may have been caused. ... Loss of earnings, loss by delay, loss of market or other consequential or indirect loss or damage of any kind or description whatsoever ... Defective workmanship material or design, latent defect, wear and tear depreciation ... Manufacturing defects for which the manufacturer is responsible under warranty/guarantee contract. ... Loss or damage due to faults existing at the time of commencement of this insurance of which the Insured was or should have been aware ... Physical loss or damage to the Insured Asset(s) in transit under contract of affreightment. ... Mysterious disappearance and Unexplained Losses. ... Any loss or damage to Insured Asset(s) used for rental or profit generation purposes except in cases of domestic/residential rental property. ... Loss or damage outside the opted geographic limits.","sources":[{"clause":"1","heading":"THIRD PARTY LIABILITY","page":16,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/asset-suraksha-flexi-guard-irdan113rp0064v01202223/document/3314#c-1-8"},{"clause":"1(a)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/asset-suraksha-flexi-guard-irdan113rp0064v01202223/document/3314#c-1-a-3"},{"clause":"1(b)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/asset-suraksha-flexi-guard-irdan113rp0064v01202223/document/3314#c-1-b-3"},{"clause":"1(c)","heading":null,"page":19,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/asset-suraksha-flexi-guard-irdan113rp0064v01202223/document/3314#c-1-c-2"}],"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, then use the care specialist or Head of Customer Experience before approaching the Insurance Ombudsman.","display":"Level 1 Customer Experience Team; Level 2 Grievance Redressal Officer; then care specialist or Head of Customer Experience before Ombudsman","note":null,"quote":"Level 1 In case you have any concern, you may please reach out to our Customer Experience Team through any of the following options:\n• Our Website www.bajajgeneralinsurance.com\n• Call us on our Toll free no 1800 209 5858\n• Mail us on careforyou@bajajgeneral.com\n• Write to Bajaj General Insurance Limited Bajaj Insurance House, Airport Road, Yerwada Pune- 411006\nLevel 2 In case you are not satisfied with the response given to you by our team, you may write to our Grievance Redressal Officer at ggro@bajajgeneral.com\nLevel 3 If in case, your grievance is not resolved and you wish to talk to our care specialist, please Give a missed on +91 80809 45060 OR SMS to 575758 and our care specialist will call you back\nIf you are still not satisfied with the solutions provided, write to Head of Customer experience directly at head.customerservice@bajajgeneral.com","sources":[{"clause":"1(b)","heading":null,"page":25,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/asset-suraksha-flexi-guard-irdan113rp0064v01202223/document/3314#c-1-b-11"}],"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":["Accidental damage to the Insured Asset(s) at the Insured Premises","actual or attempted Burglary and/or Robbery","unexpected Breakdown of the Insured Asset(s)","Accidental water/liquid ingression","Accidental electrical surge","contingencies not excluded under this Policy/Group Policy"],"display":"Accidental damage, burglary/robbery, breakdown, liquid damage, surge protection, and all-risk contingencies not excluded","note":"The available cover depends on the sections, restricted covers and parts opted in the Policy Schedule/Certificate of Insurance.","quote":"The Company will indemnify the Insured against the repair or replacement costs incurred by him/her in respect of Accidental damage to the Insured Asset(s) at the Insured Premises ... The Company shall indemnify the Insured in respect of the loss of or damage to the Insured Asset(s) belonging to the Insured stored or lying in the Insured Premises caused by actual or attempted Burglary and/or Robbery ... The Company will indemnify the Insured against the repair or replacement costs arising from the unexpected Breakdown of the Insured Asset(s) whilst contained in or fixed at the Insured Premises ... the liability of the Company to indemnify the Insured under Accidental damage shall be limited to damage arising out of Accidental water/liquid ingression only. ... the liability of the Company to indemnify the Insured under Breakdown Cover shall be limited to damage arising out of Accidental electrical surge only. ... be lost or damaged by a reason / on account of any of the contingencies not excluded under this Policy/Group Policy.","sources":[{"clause":"Section 1","heading":"ACCIDENTAL DAMAGE COVER","page":5,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/asset-suraksha-flexi-guard-irdan113rp0064v01202223/document/3314#c-section-1-2"},{"clause":"Section 2","heading":"BURGLARY & ROBBERY COVER","page":5,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/asset-suraksha-flexi-guard-irdan113rp0064v01202223/document/3314#c-section-2-2"},{"clause":"Section 3","heading":"BREAKDOWN COVER","page":6,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/asset-suraksha-flexi-guard-irdan113rp0064v01202223/document/3314#c-section-3-2"},{"clause":"3","heading":null,"page":5,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/asset-suraksha-flexi-guard-irdan113rp0064v01202223/document/3314#c-3-3"},{"clause":"1","heading":null,"page":6,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/asset-suraksha-flexi-guard-irdan113rp0064v01202223/document/3314#c-1-5"},{"clause":"7","heading":"THIRD PARTY LIABILITY COVER","page":12,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/asset-suraksha-flexi-guard-irdan113rp0064v01202223/document/3314#c-7-3"}],"law":[]},{"key":"deductible","label":"Deductible or excess","section":"Limits and co-pay","meaning":"Amount of each claim you bear.","status":"not-stated","value":null,"display":null,"note":"The wording defines the deductible as an amount borne for each claim and says the Policy Schedule/Certificate specifies it, but no deductible amount is printed in the wording.","quote":null,"sources":[],"law":[]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":"Base cover applies to insured assets at the Insured Premises. On payment of additional premium, the geographic extension can cover loss or damage while in close personal custody and control anywhere in the World or India, as opted.","display":"At the Insured Premises; optional extension anywhere in the World/ India as opted","note":"The World/India geographic extension is available only on payment of additional premium and as opted.","quote":"Accidental damage to the Insured Asset(s) at the Insured Premises ... stored or lying in the Insured Premises ... whilst contained in or fixed at the Insured Premises ... coverage under the Policy/Group Policy is extended to cover loss of or damage to the Insured Asset(s) in Close Personal Custody and Control, anywhere in the World/ India (as opted and specified in the Policy Schedule/Certificate of Insurance)","sources":[{"clause":"Section 1","heading":"ACCIDENTAL DAMAGE COVER","page":5,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/asset-suraksha-flexi-guard-irdan113rp0064v01202223/document/3314#c-section-1-2"},{"clause":"Section 2","heading":"BURGLARY & ROBBERY COVER","page":5,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/asset-suraksha-flexi-guard-irdan113rp0064v01202223/document/3314#c-section-2-2"},{"clause":"Section 3","heading":"BREAKDOWN COVER","page":6,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/asset-suraksha-flexi-guard-irdan113rp0064v01202223/document/3314#c-section-3-2"},{"clause":"7","heading":"THIRD PARTY LIABILITY COVER","page":12,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/asset-suraksha-flexi-guard-irdan113rp0064v01202223/document/3314#c-7-3"}],"law":[]},{"key":"subject_covered","label":"What is insured","section":"Cover","meaning":"The thing or risk this policy covers.","status":"quote-verified","value":"The policy covers Insured Asset(s): new/refurbished/used portable items and other items including accessories, owned by the insured or immediate family member and specified in the Policy Schedule/Certificate of Insurance.","display":"New/refurbished/used portable items and other items including accessories owned by the insured/immediate family member","note":null,"quote":"Insured Asset means new/Refurbished/used Portable Items and other items including Accessories (if any) owned by the Insured/Immediate Family Member which are specified in Policy Schedule/Certificate of Insurance","sources":[{"clause":"21","heading":"Insured Asset","page":2,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/asset-suraksha-flexi-guard-irdan113rp0064v01202223/document/3314#c-21"}],"law":[]}],"documents":[{"kind":"wording","label":"Asset Suraksha – Flexi Guard Policy Wordings","pages":29,"fetched_at":"2026-10-17 19:47:18+00","source_url":"https://www.bajajgeneralinsurance.com/download-documents/commercial-insurance/asset-suraksha/ASSET-SURAKSHA-Policy-Wordings.pdf","url":"https://indiainsurances.com/policy/bajaj-general-insurance/asset-suraksha-flexi-guard-irdan113rp0064v01202223/document/3314"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Bajaj General Insurance official website","url":"https://www.bajajgeneralinsurance.com/","note":"Buy directly from the insurer."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"insurer","name":"Claims","url":"https://www.bajajgeneralinsurance.com/general-insurance-claims.html","note":null},{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"insurer","name":"Online grievance form","url":"https://www.bajajgeneralinsurance.com/forms/form-online-grievance.html","note":null},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"Asset Suraksha – Flexi Guard (UIN IRDAN113RP0064V01202223), IndiaInsurances, https://indiainsurances.com/policy/bajaj-general-insurance/asset-suraksha-flexi-guard-irdan113rp0064v01202223"}