{"uin":"IRDAN115RP0001V01202324","name":"ICICI Griha Kavach Policy - IRDAN115RP0001V01202324","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/icici-griha-kavach-policy-irdan115rp0001v01202324-irdan115rp0001v01202324","insurer":{"slug":"icici-lombard-general-insurance","name":"ICICI LOMBARD General Insurance Company Limited","url":"https://indiainsurances.com/insurer/icici-lombard-general-insurance"},"line":"general","category":"home","category_name":"Home insurance","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"ICICI Griha Kavach Policy covers home building and/or home contents against specified insured events such as fire, explosion, lightning, landslide, impact damage, riots and related theft. Underinsurance does not apply, and valuable contents, rent or alternative accommodation and other protections are optional/additional covers.","analysis":{"state":"machine","analysed_at":"2026-10-20 06:41:25.517806+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 plans or variants are stated in the product documents.","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 documents point to the Policy Schedule for the Policy Period and do not print a fixed policy term or range.","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":"You must give immediate notice of physical loss or damage to the insurer, and submit the claim form at the earliest opportunity but within 30 days from the date you first notice the loss or damage.","display":"Immediate notice; claim form within 30 days from first noticing loss or damage","note":null,"quote":"As soon as any physical loss or damage occurs to Your Home Building or Home Contents due to an Insured Event, You must immediately give notice to Us of the loss or damage. ... You must submit Your claim in Our claim form at the earliest opportunity, but within 30 days from the date You first notice the loss or damage.","sources":[{"clause":null,"heading":"1. Immediate notice to Us","page":28,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/icici-griha-kavach-policy-irdan115rp0001v01202324-irdan115rp0001v01202324/document/20374#c-1-immediate-notice-to-us"},{"clause":"17(IV)(a)(i)","heading":null,"page":29,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/icici-griha-kavach-policy-irdan115rp0001v01202324-irdan115rp0001v01202324/document/20374#c-17-iv-a-i"}],"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":["Claim bill / Claim Form duly filled up","Photographs / Video of damaged property/item under claim","Document/s in support of admissibility of the claim, for instance, Service Engineer’s Report, Fire Brigade Report, etc.","FIR / Final Police investigation report wherever applicable","For items which are to be repaired or reinstated, repair/ replacement quotation, invoice and payment proofs for each and every item as claimed.","For items which are under claim & not to be repaired or reinstated, documents substantiating the quantum & value of the items under claim","Offer for retention of salvage, if any","KYC / NEFT Details as per AML guidelines","Invoice copy / Goods Receipt Note / Monetary Claim on carrier / Damage Certificate","Any other document which may be specified by the surveyor post completion of initial survey"],"display":"Claim form/bill, damage photos or video, admissibility documents, FIR where applicable, repair/replacement proofs, value proofs, salvage offer, KYC/NEFT details, invoice/GR/carrier claim/damage certificate, and any surveyor-specified document","note":null,"quote":"Documents: submit documents to the assigned CSM/Surveyor. List of documents which are necessary and relevant to the claim are as below:\n1. Claim bill / Claim Form duly filled up\n2. Photographs / Video of damaged property/item under claim\n3. Document/s in support of admissibility of the claim, for instance, Service Engineer’s Report, Fire Brigade Report, etc.\n4. FIR / Final Police investigation report wherever applicable\n5. For items which are to be repaired or reinstated, repair/ replacement quotation, invoice and payment proofs for each and every item as claimed.\n6. For items which are under claim & not to be repaired or reinstated, documents substantiating the quantum & value of the items under claim\n7. Offer for retention of salvage, if any\n8. KYC / NEFT Details as per AML guidelines\n9. Invoice copy / Goods Receipt Note / Monetary Claim on carrier / Damage Certificate\n10. Any other document which may be specified by the surveyor post completion of initial survey","sources":[{"clause":null,"heading":"5. Claim Clause/ Settlement of Claim","page":32,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/icici-griha-kavach-policy-irdan115rp0001v01202324-irdan115rp0001v01202324/document/20374#c-5-claim-clause-settlement-of-claim"}],"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 assessment sheet or survey report will be furnished within 15 days of receipt of the claim form and documents, and the claim will be decided within 7 days of receipt of the assessment sheet or survey report. This condition does not apply to policies issued on the property/building on reinstatement value basis.","display":"Assessment sheet/survey report within 15 days of claim form and documents; claim decided within 7 days of assessment sheet/survey report","note":"Not applicable to policies issued on the property/building on reinstatement value basis.","quote":"Turnaround Time (TAT): Assessment sheet /Survey report will be furnished within 15 days of receipt of claim form and documents. Claim will be decided within 7 days of receipt of the assessment sheet / survey report (This condition will not apply in case of policies issued on the property/building on reinstatement value basis).","sources":[{"clause":null,"heading":"5. Claim Clause/ Settlement of Claim","page":32,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/icici-griha-kavach-policy-irdan115rp0001v01202324-irdan115rp0001v01202324/document/20374#c-5-claim-clause-settlement-of-claim"}],"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":["Your deliberate, wilful or intentional act or ommission","War, invasion, act of foreign enemy hostilities or war-like operations","Ionising radiation or contamination by radioactivity","Pollution or contamination","Loss, damage or destruction to any electrical/electronic machine, apparatus, fixture, or fitting by over-running, excessive pressure, short circuiting, arcing, self- heating or leakage of electricity","Loss or damage to bullion or unset precious stones, manuscripts, plans, drawings, securities, obligations or documents of any kind, coins or paper money, cheques, vehicles, and explosive substances","Loss of any Insured Property which is missing or has been mislaid","Loss or damage to any Insured Property removed from Your Home to any other place","Loss of earnings, loss by delay, loss of market or other consequential or indirect loss or damage","Any reduction in market value of any Insured Property after its repair or reinstatement","Any addition, extension, or alteration to any structure of Your Home Building that increases its Sum Insured by more than 10% of the existing sum insured","Costs, fees or expenses for preparing any claim","List of coverage stated under optional/Add on covers unless payment of an additional premium and opted by You voluntarily and mentioned in the policy schedule"],"display":"Intentional acts, war, nuclear/radioactivity, pollution, electrical/electronic damage, specified valuables and documents, missing property, property removed from home, consequential losses, reduction in market value, unendorsed additions over 10%, claim preparation costs, and optional/add-on covers not opted and paid for","note":null,"quote":"Clause F. Exclusions (What We do not cover) for all covers under this policy We do not cover losses and expenses for any loss or damage or destruction of the Insured Property that is directly or indirectly as a result of or is caused by or arising from events, stated below:\n1. Your deliberate, wilful or intentional act or ommission, or of anyone on Your behalf, or with Your connivance.\n2. War, invasion, act of foreign enemy hostilities or war-like operations (whether war is declared or\nnot), civil war, mutiny, civil commotion amounting to a popular rising, military rising, rebellion, revolution, insurrection or military or usurped power.\n3. Ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from combustion of nuclear fuel, or the radioactive, toxic, explosive\nor other hazardous properties of any explosive nuclear assembly or nuclear component that is part of it.\n4. Pollution or contamination, unless ... 5. Loss, damage or destruction to any electrical/electronic machine, apparatus, fixture, or fitting by over-running, excessive pressure, short circuiting, arcing, self- heating or leakage of electricity from whatever cause (lightning included). This exclusion applies only to the particular machine so lost, damaged or destroyed.\n6. Loss or damage to bullion or unset precious stones, manuscripts, plans, drawings, securities, obligations or documents of any kind, coins or paper money, cheques, vehicles, and explosive substances unless otherwise expressly stated in the policy.\n7. Loss of any Insured Property which is missing or has been mislaid, or its disappearance cannot be linked to any single identifiable event.\n8. Loss or damage to any Insured Property removed from Your Home to any other place.\n9. Loss of earnings, loss by delay, loss of market or other consequential or indirect loss or damage of any kind or description whatsoever.\n10. Any reduction in market value of any Insured Property after its repair or reinstatement.\n11. Any addition, extension, or alteration to any structure of Your Home Building that increases its Sum Insured by more than 10% of the existing sum insured at the Commencement Date or on the date of renewal of this Policy, unless You have paid additional premium and such addition, extension or alteration is added by Endorsement.\n12. Costs, fees or expenses for preparing any claim.\n13. List of coverage stated under optional/Add on covers unless\ni. Payment of an additional premium\nii. Opted by You voluntarily and mentioned in the policy schedule.","sources":[{"clause":"17(b)","heading":null,"page":25,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/icici-griha-kavach-policy-irdan115rp0001v01202324-irdan115rp0001v01202324/document/20374#c-17-b-2"},{"clause":"17(b)(ii)","heading":null,"page":25,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/icici-griha-kavach-policy-irdan115rp0001v01202324-irdan115rp0001v01202324/document/20374#c-17-b-ii"}],"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":"For a query or grievance, first contact the respective branch office, call toll free no.1800-2666, or use the “Grievance Redressal” subsection on www.icicilombard.com. If the resolution is not satisfactory, the policy then refers to IRDAI/Bima Bharosa and the Insurance Ombudsman.","display":"First contact branch office, 1800-2666 or website Grievance Redressal; then IRDAI/Bima Bharosa or Insurance Ombudsman if unsatisfied","note":null,"quote":"For resolution of any query or grievance, Insured may contact the respective branch office of the Company or may call toll free no.1800-2666 or may approach us at the sub section “Grievance Redressal” on our website www.icicilombard.com (Customer Support section). However, if the resolution provided by us is not satisfactory you may approach Insurance Regulatory and Development Authority of India (IRDAI) through the Bima Bharosa Portal - https://bimabharosa.irdai.gov.in/ or IRDAI Grievance Call Centre (IGCC) at their toll free no. 1800 4254 732 / 155255.\nYou may also approach Insurance Ombudsman, subject to vested jurisdiction, for the redressal of grievance.","sources":[{"clause":null,"heading":"Clause K. Grievances","page":33,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/icici-griha-kavach-policy-irdan115rp0001v01202324-irdan115rp0001v01202324/document/20374#c-clause-k-grievances"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"perils","label":"What is covered","section":"Cover","meaning":"The events or risks covered.","status":"quote-verified","value":["Fire","Explosion or Implosion","Lightning","Subsidence of the land on which Your Home Building stands, Landslide, Rockslide","Bush fire, Forest fire, Jungle fire","Impact damage of any kind","Missile testing operations","Riot, Strikes, Malicious Damages","Bursting or overflowing of water tanks, apparatus and pipes.","Leakage from automatic sprinkler installations.","Theft within 7 (seven) days from the occurrence of and proximately caused by any of the above Insured Events."],"display":"Fire, explosion or implosion, lightning, subsidence/landslide/rockslide, bush/forest/jungle fire, impact damage, missile testing, riot/strike/malicious damage, bursting or overflowing water tanks/apparatus/pipes, sprinkler leakage, and theft within 7 days caused by these insured events","note":null,"quote":"We give insurance cover for physical loss or damage, or destruction caused to Insured Property by the following unforeseen events occurring during the Policy Period. ... 1. | Fire | caused by burning of Insured Property by order of any Public Authority. ... 2. | Explosion or Implosion | - ... 3. | Lightning | -\n4. | Subsidence of the land on which Your Home Building stands, Landslide, Rockslide | caused by a. normal cracking, settlement or bedding down of new structures, b. the settlement or movement of made up ground, c. coastal or river erosion, d. defective design or workmanship or use of defective materials, or e. demolition, construction, structural alterations or repair of any property, or groundworks or excavations.\n5. | Bush fire, Forest fire, Jungle fire | -\n6. | Impact damage of any kind, i.e., damage caused by impact of, or collision caused by any external physical object (e.g. vehicle, falling trees, aircraft, wall etc.) | caused by pressure waves caused by aircraft or other aerial or space devices travelling at sonic or supersonic speeds.\n7. | Missile testing operations | -\n8. | Riot, Strikes, Malicious Damages | caused by a. temporary or permanent dispossession, confiscation, commandeering, requisition or destruction by order of the government or any lawful authority, or b. temporary or permanent dispossession of Your Home by unlawful occupation by any person.\n9. | Bursting or overflowing of water tanks, apparatus and pipes. | -\n10. | Leakage from automatic sprinkler installations. | a. repairs or alterations in Your Home or the building in which Your Home is located, b. repairs, removal or extension of any sprinkler installation, or c. defects in the construction known to You.\n11. | Theft within 7 (seven) days from the occurrence of and proximately caused by any of the above Insured Events. | if it is a. of any article or thing outside Your Home, or b. of any article or thing attached from the outside of the outer walls or the roof of Your Home, unless securely mounted.","sources":[{"clause":null,"heading":"Clause B. Insured Events","page":7,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/icici-griha-kavach-policy-irdan115rp0001v01202324-irdan115rp0001v01202324/document/20374#c-clause-b-insured-events"},{"clause":"Row 1","heading":"Fire","page":7,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/icici-griha-kavach-policy-irdan115rp0001v01202324-irdan115rp0001v01202324/document/20374#c-row-1"},{"clause":"Row 2","heading":"Explosion or Implosion","page":7,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/icici-griha-kavach-policy-irdan115rp0001v01202324-irdan115rp0001v01202324/document/20374#c-row-2"},{"clause":"Row 3","heading":"Lightning","page":7,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/icici-griha-kavach-policy-irdan115rp0001v01202324-irdan115rp0001v01202324/document/20374#c-row-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 base deductible or excess amount is not printed in the documents; the CIS points to the policy schedule for applicable deductibles.","quote":null,"sources":[],"law":[]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"You can cancel the policy anytime with written notice, and it ends when the insurer receives the notice. The CIS says that for policies up to one year with no claims, the premium for the remaining period is refunded proportionally, and for policies longer than one year, the premium for the remaining portion is refunded if coverage has not started.","display":"Cancel anytime with written notice; proportional refund for remaining period for policies up to one year with no claims; for terms over one year, refund remaining portion if coverage has not started","note":"The policy wording states that you can cancel at any time; the refund wording quoted here is from the CIS.","quote":"Cancellation Clause:\nIf You Decide to Cancel: You can cancel your policy anytime with written notice. It will end as soon as we receive it. ... Refund of Premium upon Cancellation:\n• For policies up to one year with no claims, we will refund the premium for the remaining period proportionally, based on your policy terms.\n• For policies longer than one year, we will refund the premium for the remaining portion if coverage has not started.","sources":[{"clause":null,"heading":"ICICI Lombard General Insurance Company Limited","page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/icici-griha-kavach-policy-irdan115rp0001v01202324-irdan115rp0001v01202324/document/19960#c-icici-lombard-general-insurance-company-limited"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"not-stated","value":null,"display":null,"note":"The documents refer to the insured property in the Policy Schedule and to Indian law/jurisdiction, but do not state a geographic territory of cover.","quote":null,"sources":[],"law":[]},{"key":"building_cover","label":"Building cover","section":"Cover","meaning":"Cover for the structure and how its value is set.","status":"quote-verified","value":"The policy covers physical loss, damage or destruction of the Home Building due to insured events, including fixed sanitary fittings, electrical wiring, permanent fittings and listed additional structures on the same site. Partial loss is reimbursed or reinstated, and for total loss the insurer pays the Home Building Sum Insured or the assessed claim amount, whichever is lower, depending on the valuation basis opted.","display":"Covers physical loss/damage/destruction of Home Building from insured events, including fixed fittings and additional structures; partial repair/reinstatement and total-loss payment up to lower of Sum Insured or assessed claim amount","note":null,"quote":"We cover physical loss or damage, or destruction of Your Home Building because of any Insured Event listed in Clause B of this Policy. ... Your Home Building includes\ni) fixed sanitary fittings, electrical wiring and other permanent fittings embedded to the Home structure not pertaining to any additional designing or cosmetic alteration to the Home Premise..\nii) the following ‘additional structures’ if they are on the same site, and are used as part of Your Home Building: ... If You make a claim under the policy for partial loss or damage to Your Home Building due to any of the insured perils, We reimburse the cost to repair/reinstatement it to a condition substantially the same as its condition at the time of damage irrespective of the basis of valuation opted. ... If Your Home Building is a Total Loss, depending on the basis of valuation opted by You, We will pay You the Sum Insured of the Home Building or the assessed claim amount furnished by the Surveyor appointed by Us, whichever is lower.","sources":[{"clause":null,"heading":"1. What We cover","page":9,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/icici-griha-kavach-policy-irdan115rp0001v01202324-irdan115rp0001v01202324/document/20374#c-1-what-we-cover"},{"clause":null,"heading":"2. Your Home Building","page":9,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/icici-griha-kavach-policy-irdan115rp0001v01202324-irdan115rp0001v01202324/document/20374#c-2-your-home-building"},{"clause":"5(a)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/icici-griha-kavach-policy-irdan115rp0001v01202324-irdan115rp0001v01202324/document/20374#c-5-a"},{"clause":"5(d)","heading":"If Your Home Building","page":10,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/icici-griha-kavach-policy-irdan115rp0001v01202324-irdan115rp0001v01202324/document/20374#c-5-d"}],"law":[]},{"key":"contents_cover","label":"Contents cover","section":"Cover","meaning":"Cover for household goods, jewellery and valuables, and limits.","status":"quote-verified","value":"The policy covers physical loss, damage or destruction of General Contents caused by insured events. Valuable Contents are not covered unless the optional Valuable Contents cover is purchased; for that optional cover, valuation certificate/invoice requirement is waived if the Sum Insured is up to ₹ 25 Lakh and individual item value does not exceed ₹ 1 Lakh.","display":"General Contents covered for insured events; Valuable Contents only if optional cover is bought, with valuation certificate/invoice waived up to ₹ 25 Lakh SI and ₹ 1 Lakh per item","note":"Valuable Contents cover is optional.","quote":"We cover the physical loss or damage to or destruction of the General Contents of Your Home caused by an Insured Event as listed in Clause B of this Policy. Valuable Contents of Your Home are not covered under this Policy unless You have purchased the optional cover for the Valuable Contents. ... If the General Contents of Your Home are physically damaged by any Insured Event, We will at Our option,\ni) reimburse to You the cost of repairs to a condition substantially the same as its condition at the time of damage, or\nii) pay You the cost of replacing that item accounting depreciation, if applicable depending on the basis of valuation opted, with a same or similar item, or\niii) repair the damaged item to a condition substantially the same as its condition at the time of damage. ... For Valuable Contents, a value may be agreed upon by You and Us based on a valuation certificate/invoice copy submitted by You and accepted by Us. However, We shall waive the requirement of valuation certificate/invoice copy if the Sum Insured opted for is up to ₹ 25 Lakh (Rupees Twenty Five Lakh) and Individual item value does not exceed ₹ 1 Lakh (Rupees One Lakh).","sources":[{"clause":null,"heading":"Clause D: Home Contents Cover","page":12,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/icici-griha-kavach-policy-irdan115rp0001v01202324-irdan115rp0001v01202324/document/20374#c-clause-d-home-contents-cover"},{"clause":"5(a)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/icici-griha-kavach-policy-irdan115rp0001v01202324-irdan115rp0001v01202324/document/20374#c-5-a-3"},{"clause":null,"heading":"Clause E: Additional Covers","page":13,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/icici-griha-kavach-policy-irdan115rp0001v01202324-irdan115rp0001v01202324/document/20374#c-clause-e-additional-covers"}],"law":[]},{"key":"burglary","label":"Burglary and theft","section":"Cover","meaning":"Whether burglary is covered.","status":"quote-verified","value":"The policy covers theft only when it occurs within 7 days from the occurrence of, and is proximately caused by, one of the listed insured events. The covered theft does not include articles outside the home or articles attached outside the outer walls or roof unless securely mounted.","display":"Theft covered only within 7 days of and proximately caused by listed insured events","note":null,"quote":"Theft within 7 (seven) days from the occurrence of and proximately caused by any of the above Insured Events. | if it is a. of any article or thing outside Your Home, or b. of any article or thing attached from the outside of the outer walls or the roof of Your Home, unless securely mounted.","sources":[{"clause":"Row 3","heading":"Lightning","page":7,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/icici-griha-kavach-policy-irdan115rp0001v01202324-irdan115rp0001v01202324/document/20374#c-row-3"}],"law":[]},{"key":"rent_loss","label":"Rent and alternative accommodation","section":"Cover","meaning":"Cover for rent lost or a temporary home after damage.","status":"quote-verified","value":"Loss of Rent and Rent for Alternative Accommodation is an additional cover available on payment of extra premium. It pays lost rent or alternative rent while the Home Building is not fit for living because of physical loss from insured events or specified opted add-ons, for a reasonable repair period up to three years, with maximum SI up to 10% of total Home Building SI for Loss of Rent and Rent for Alternative Accommodation individually.","display":"Optional on extra premium: lost rent or alternative rent while Home Building is not fit for living; maximum period three years; maximum SI up to 10% of total Home Building SI individually","note":"This is an additional cover requiring extra premium.","quote":"Loss of Rent and Rent for Alternative Accommodation: In consideration of Insured having paid extra premium it is hereby agreed and declared, subject to otherwise terms and conditions of the Policy, We will pay the amount of rent You lose or alternative rent You pay while Your Home Building is not fit for living because of physical loss arising out of an Insured Event and/or on account of opted add ons like- Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Flood and Inundation, Terrorism Damage Cover, Earthquake, Volcanic eruption or other convulsions of nature as mentioned in the policy schedule, as follows: ... This cover will be available for the reasonable time required to repair Your Home Building to make it fit for living. The maximum period of this cover is three years from the date Your Home Building becomes unfit for living. ... Maximum SI limit shall be up to 10% of the total Home Building SI for Loss of Rent and Rent for Alternative Accommodation individually.","sources":[{"clause":null,"heading":"Clause E: Additional Covers","page":13,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/icici-griha-kavach-policy-irdan115rp0001v01202324-irdan115rp0001v01202324/document/20374#c-clause-e-additional-covers"}],"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":"For Home Building, claims may be on Reinstatement Value or Agreed Value depending on the valuation basis opted. For General Contents, the chosen Sum Insured must be enough to cover replacement cost or market value, and Valuable Contents may be covered on agreed value under the optional cover.","display":"Home Building: Reinstatement Value or Agreed Value basis; General Contents: replacement cost or market value; Valuable Contents: optional agreed value basis","note":null,"quote":"In case Reinstatement Value is opted- In the event of Your dwelling being destroyed or damaged, the basis upon which the amount payable is to be calculated shall be cost of Replacing or Reinstating on the same site with property of the same kind or type but not superior to or more extensive than the insured property when new as on Date of the Loss ... In case Agreed Value is opted- In the event of an Actual Total Loss, You may either at Your option: ... The Sum Insured You have chosen for General Contents must be enough to cover the cost of replacement or market value of the General Contents. ... Cover for Valuable Contents on Agreed Value Basis (under Home Contents cover):\nFor Valuable Contents, a value may be agreed upon by You and Us based on a valuation certificate/invoice copy submitted by You and accepted by Us.","sources":[{"clause":"5(e)(i)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/icici-griha-kavach-policy-irdan115rp0001v01202324-irdan115rp0001v01202324/document/20374#c-5-e-i"},{"clause":"5(e)(ii)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/icici-griha-kavach-policy-irdan115rp0001v01202324-irdan115rp0001v01202324/document/20374#c-5-e-ii"},{"clause":"5(c)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/icici-griha-kavach-policy-irdan115rp0001v01202324-irdan115rp0001v01202324/document/20374#c-5-c-2"},{"clause":null,"heading":"Clause E: Additional Covers","page":13,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/icici-griha-kavach-policy-irdan115rp0001v01202324-irdan115rp0001v01202324/document/20374#c-clause-e-additional-covers"}],"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":"Underinsurance does not apply to this policy; if the Sum Insured calculated on the basis of information provided is less than the actual value at risk, the difference will not affect the amount paid.","display":"Underinsurance does not apply","note":null,"quote":"Underinsurance does not apply to the ICICI Griha Kavach Policy. Thus, if Your Sum Insured calculated on the basis of the information that You provided, is less than the actual value at risk, the difference will not affect the amount We pay.","sources":[{"clause":null,"heading":"Clause I. Waiver of Underinsurance","page":31,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/icici-griha-kavach-policy-irdan115rp0001v01202324-irdan115rp0001v01202324/document/20374#c-clause-i-waiver-of-underinsurance"}],"law":[]}],"documents":[{"kind":"wording","label":"ICICI Griha Kavach Policy - IRDAN115RP0001V01202324","pages":38,"fetched_at":"2026-10-20 02:36:24+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/9-icici-griha-kavach-policy---irdan115rp0001v01202324.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/icici-griha-kavach-policy-irdan115rp0001v01202324-irdan115rp0001v01202324/document/20374"},{"kind":"prospectus","label":"ICICI Griha Kavach Policy - IRDAN115RP0001V01202324","pages":20,"fetched_at":"2026-10-20 02:12:12+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/prospectus_icici-griha-kavach-policy8c0007ff45fd68ff8a0df0055fa4d8ba.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/icici-griha-kavach-policy-irdan115rp0001v01202324-irdan115rp0001v01202324/document/20038"},{"kind":"cis","label":"ICICI Griha Kawach CIS","pages":6,"fetched_at":"2026-10-20 02:05:54+00","source_url":"https://www.icicilombard.com/docs/default-source/downloads/fire/1024-icici-griha-kawach-cis-template.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/icici-griha-kavach-policy-irdan115rp0001v01202324-irdan115rp0001v01202324/document/19960"},{"kind":"premium","label":"ICICI Griha Kavach Policy - IRDAN115RP0001V01202324","pages":null,"fetched_at":"2026-10-20 01:59:12+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/il-griha-kavach---premium-calculator8c0007ff45fd68ff8a0df0055f9c753f.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/icici-griha-kavach-policy-irdan115rp0001v01202324-irdan115rp0001v01202324/document/19615"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"ICICI LOMBARD General Insurance official website","url":"https://www.icicilombard.com","note":"Website as listed by IRDAI. Not checked: the site blocks automated requests (bot wall) for our crawler on 2026-10-19; we do not bypass walls."},{"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":"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":"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":"ICICI Griha Kavach Policy - IRDAN115RP0001V01202324 (UIN IRDAN115RP0001V01202324), IndiaInsurances, https://indiainsurances.com/policy/icici-lombard-general-insurance/icici-griha-kavach-policy-irdan115rp0001v01202324-irdan115rp0001v01202324"}