{"uin":"IRDAN115RP0003V01202021","name":"Jeweller's Package Policy","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/jeweller-s-package-policy-irdan115rp0003v01202021","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":"business","category_name":"Shop and business","irdai_type":"Main product","kind":"product","status":"active","approved_on":"2021-04-28","withdrawn_on":null,"summary":"Jeweller's Package Policy is a business package covering jewellery stock in premises, custody and transit, plus structure and contents, money, fidelity, liability, employee compensation, electronic equipment and fixed glass subject to schedule limits. It covers India unless otherwise specified, requires immediate notice for property claims, and applies average if the sum insured is less than the property value.","analysis":{"state":"machine","analysed_at":"2026-10-20 08:28:55.31448+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 documents list cover sections and extensions, but do not name plan 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 points to the Policy Period in the Schedule, but no fixed policy term is stated.","quote":null,"sources":[],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"For property claims, give immediate notice to the Company. Money claims require written notice within 24 hours; Fidelity and Public Liability require written notice within 7 days; the Personal Accident extension also requires immediate written notice.","display":"Immediate notice; 24 hours for Money claims; 7 days for Fidelity and Public Liability claims","note":"Deadlines differ by section.","quote":"b) Give immediate notice to the Company. ... Immediately and in any event within 24 hours of the happening of any insured event giving rise to or likely to give rise to any claim under this Policy give written notice to the Company ... within 7 days, give full written notice of the same ... within 7 days give the Company written notice ... The Insured shall give immediate notice thereof in writing to the Company.","sources":[{"clause":"3(b)","heading":null,"page":51,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/jeweller-s-package-policy-irdan115rp0003v01202021/document/20332#c-3-b-13"},{"clause":"13(a)","heading":null,"page":25,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/jeweller-s-package-policy-irdan115rp0003v01202021/document/20332#c-13-a"},{"clause":"6(a)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/jeweller-s-package-policy-irdan115rp0003v01202021/document/20332#c-6-a-2"},{"clause":"13(d)","heading":null,"page":27,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/jeweller-s-package-policy-irdan115rp0003v01202021/document/20332#c-13-d-2"},{"clause":"3(a)","heading":null,"page":45,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/jeweller-s-package-policy-irdan115rp0003v01202021/document/20332#c-3-a-6"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Duly completed claim form signed by the insured","Fire Brigade Report in case of Fire","Police report (FIR) for Theft and Burglary Claims","Police Final Investigation Report for Theft and Burglary Claims","Bills and invoices, valuation reports etc required to support and substantiate the claim amount","NEFT details & cancelled cheque","Any other document deemed necessary to establish the loss or its quantum depending upon the nature of claim"],"display":"Claim form, Fire Brigade Report for fire, FIR and final police report for theft/burglary, bills/invoices/valuation reports, NEFT details and cancelled cheque, and any other document needed","note":null,"quote":"Duly completed claim form signed by the insured, detailing the loss or damage that has occurred and an estimate of the quantum of any claim along with all documentation required to support and substantiate the amount sought from the Company ... Fire Brigade Report in case of Fire ... Police report (FIR) for Theft and Burglary Claims ... Police Final Investigation Report for Theft and Burglary Claims ... Bills and invoices, valuation reports etc required to support and substantiate the claim amount ... NEFT details & cancelled cheque ... Any other document deemed necessary to establish the loss or its quantum depending upon the nature of claim.","sources":[{"clause":"3(a)","heading":null,"page":52,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/jeweller-s-package-policy-irdan115rp0003v01202021/document/20332#c-3-a-16"},{"clause":"3(b)","heading":null,"page":52,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/jeweller-s-package-policy-irdan115rp0003v01202021/document/20332#c-3-b-15"},{"clause":"3(c)","heading":null,"page":52,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/jeweller-s-package-policy-irdan115rp0003v01202021/document/20332#c-3-c-9"},{"clause":"3(d)","heading":null,"page":52,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/jeweller-s-package-policy-irdan115rp0003v01202021/document/20332#c-3-d-5"},{"clause":"3(e)","heading":null,"page":52,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/jeweller-s-package-policy-irdan115rp0003v01202021/document/20332#c-3-e-4"},{"clause":"3(f)","heading":null,"page":52,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/jeweller-s-package-policy-irdan115rp0003v01202021/document/20332#c-3-f-2"},{"clause":"3(g)","heading":null,"page":52,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/jeweller-s-package-policy-irdan115rp0003v01202021/document/20332#c-3-g-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":"Assessment sheet or survey report will be furnished within 15 days of receipt of claim form and documents, and the claim will be decided within 7 days of receipt of the assessment sheet or survey report. The amount of accepted loss is payable not later than 30 days after written acknowledgement that proof of loss is satisfactory and the claim has been accepted.","display":"Survey report within 15 days of claim form and documents; claim decided within 7 days of assessment sheet/survey report; accepted loss payable within 30 days after written acceptance","note":"The 7-day decision timeline says it does not apply to policies issued on property/building on reinstatement value basis.","quote":"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). ... The amount of any loss or damage for which the Company are liable shall be payable not later than 30 (thirty) days after the Company have provided the Insured with acknowledgement in writing that the proof of loss is satisfactory and that the claim has been accepted by them.","sources":[{"clause":"31","heading":"Claim Clause/ Settlement of Claim","page":56,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/jeweller-s-package-policy-irdan115rp0003v01202021/document/20332#c-31-2"},{"clause":"4","heading":null,"page":52,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/jeweller-s-package-policy-irdan115rp0003v01202021/document/20332#c-4-10"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"First contact the respective branch office, call 1800-2666, or use the “Grievance Redressal” subsection on www.icicilombard.com. If the resolution is not satisfactory, the policy says you may approach IRDAI through Bima Bharosa or IGCC, and may also approach the Insurance Ombudsman.","display":"Branch office / 1800-2666 / website Grievance Redressal first; then IRDAI Bima Bharosa or IGCC; then Insurance Ombudsman","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 subsection “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. You may also approach Insurance Ombudsman, subject to vested jurisdiction, for the redressal of grievance.","sources":[{"clause":"32","heading":"Grievances","page":57,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/jeweller-s-package-policy-irdan115rp0003v01202021/document/20332#c-32-2"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"perils","label":"What is covered","section":"Cover","meaning":"The events or risks covered.","status":"quote-verified","value":["All Risks of direct physical loss of or damage","Fire","Lightning","Explosion/Implosion","Aircraft Damage","Riot, Strike and Malicious Damage","Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Flood, Inundation","earthquake, Volcanic eruption or other convulsions of nature","Impact Damage","Subsidence and Landslide including Rock slide","Bursting and/or overflowing of Water Tanks, Apparatus and Pipes","Missile Testing operations","Leakage from Automatic Sprinkler Installations","Bush Fire","Burglary, house breaking, and theft, Robbery and Hold up","robbery, theft or any other fortuitous event or loss of or damage to money","fraudulent or dishonest acts committed by Employee(s),third party agencies & their employees","third party civil claims arising out of Bodily Injury or Property Damage","personal injury by Accident or disease arising out of and in the course of his employment"],"display":"All risks for jewellery property in premises/custody/transit; fire and special perils; burglary, theft, robbery and hold-up; money robbery/theft/fortuitous events; fidelity, public liability and employee compensation","note":"Coverage is subject to the limits, sections, extensions and schedule.","quote":"This Section insures against All Risks of direct physical loss of or damage arising from any cause whatsoever ... This policy section insures Property and Property in Trade excluding Money belonging to Insured or held by Insured in trust or commission usual to the conduct of Insured’s business against all risks of direct physical loss of or damage to property insured ... Fire ... Lightning ... Explosion/Implosion ... Aircraft Damage ... Riot, Strike and Malicious Damage ... Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Flood, Inundation ... earthquake, Volcanic eruption or other convulsions of nature ... Impact Damage ... Subsidence and Landslide including Rock slide ... Bursting and/or overflowing of Water Tanks, Apparatus and Pipes ... Missile Testing operations ... Leakage from Automatic Sprinkler Installations ... Bush Fire ... Burglary, house breaking, and theft, Robbery and Hold up ... robbery, theft or any other fortuitous event or loss of or damage to money ... fraudulent or dishonest acts committed by Employee(s),third party agencies & their employees ... third party civil claims arising out of Bodily Injury or Property Damage ... personal injury by Accident or disease arising out of and in the course of his employment","sources":[{"clause":"Section I","heading":"Property in premises","page":7,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/jeweller-s-package-policy-irdan115rp0003v01202021/document/20332#c-section-i"},{"clause":"Section II","heading":"Property in custody of the Insured and specified persons","page":9,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/jeweller-s-package-policy-irdan115rp0003v01202021/document/20332#c-section-ii"},{"clause":"Section IV(I)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/jeweller-s-package-policy-irdan115rp0003v01202021/document/20332#c-section-iv-i"},{"clause":"Section IV(II)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/jeweller-s-package-policy-irdan115rp0003v01202021/document/20332#c-section-iv-ii"},{"clause":"Section IV(III)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/jeweller-s-package-policy-irdan115rp0003v01202021/document/20332#c-section-iv-iii"},{"clause":"Section IV(IV)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/jeweller-s-package-policy-irdan115rp0003v01202021/document/20332#c-section-iv-iv"},{"clause":"Section IV(V)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/jeweller-s-package-policy-irdan115rp0003v01202021/document/20332#c-section-iv-v"},{"clause":"Section IV(VI)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/jeweller-s-package-policy-irdan115rp0003v01202021/document/20332#c-section-iv-vi"},{"clause":"Section IV(i)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/jeweller-s-package-policy-irdan115rp0003v01202021/document/20332#c-section-iv-i-2"},{"clause":"Section IV(iii)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/jeweller-s-package-policy-irdan115rp0003v01202021/document/20332#c-section-iv-iii-2"},{"clause":"1","heading":null,"page":14,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/jeweller-s-package-policy-irdan115rp0003v01202021/document/20332#c-1-5"},{"clause":"Section VII","heading":"Money","page":24,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/jeweller-s-package-policy-irdan115rp0003v01202021/document/20332#c-section-vii-2"},{"clause":"Section V","heading":"Fidelity","page":20,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/jeweller-s-package-policy-irdan115rp0003v01202021/document/20332#c-section-v"},{"clause":"Section VIII","heading":"Public Liability","page":26,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/jeweller-s-package-policy-irdan115rp0003v01202021/document/20332#c-section-viii"},{"clause":"Section IX","heading":"Employee’s Compensation","page":29,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/jeweller-s-package-policy-irdan115rp0003v01202021/document/20332#c-section-ix"}],"law":[]},{"key":"deductible","label":"Deductible or excess","section":"Limits and co-pay","meaning":"Amount of each claim you bear.","status":"quote-verified","value":"The general exclusion states the first Rs. 10,000 of each and every claim is borne by the insured unless the schedule revises it. Deductible also means the amount stated in the Schedule for each claim, and Breakdown cover has a 1% of Sum Insured per machine deductible subject to a minimum of Rs. 2500/-.","display":"First Rs. 10,000/- of each claim unless revised; Schedule deductible applies; Breakdown cover: 1% of Sum Insured per machine, minimum Rs. 2500/-","note":"The schedule may state or revise the deductible for particular sections.","quote":"First Rs. 10,000/- of each and every claim unless any revision is specifically mentioned in the schedule. ... “Deductible” means the amount stated in the Schedule, which shall be borne by the Insured in respect of each and every Claim made under this Policy ... Deductible: 1 % of Sum Insured for each machine subject to a minimum of Rs. 2500/- to be first borne by the Insured out of each and every claim","sources":[{"clause":"3(b)","heading":null,"page":47,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/jeweller-s-package-policy-irdan115rp0003v01202021/document/20332#c-3-b-8"},{"clause":"12","heading":"“Deductible”","page":5,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/jeweller-s-package-policy-irdan115rp0003v01202021/document/20332#c-12"},{"clause":null,"heading":"EXCLUSIONS","page":37,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/jeweller-s-package-policy-irdan115rp0003v01202021/document/20332#c-exclusions"}],"law":[]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"conflicting","value":"The insured can cancel at any time by informing the company. The wording says the company refunds proportionate premium for the unexpired policy period if the term is up to one year and no claims were made, and refunds premium for unexpired policy period for policy terms more than one year where risk coverage for those policy years has not commenced.","display":"Proportionate premium for unexpired policy period if term is up to one year and no claims; refund for unexpired policy years not commenced for term more than one year","note":"The IRDAI copy says insured cancellation is on short-period scales rather than proportionate refund: 'retain the premium for the period this Policy has been in force at the Company short period scales provided there is no claim under the Policy during the policy period.'","quote":"The insured can cancel the policy at any time during the term, by informing the company. The company can cancel the policy only on the grounds of established fraud, by giving minimum notice of 7 days to the policyholder. The company shall – i) refund proportion premium for unexpired policy period, if the term of the policy is upto one year and there is no claim(s) made during the policy period. ii) refund premium for the unexpired policy period, in respect of policy with the term more than one year and the risk coverage for such policy years has not commenced. ... The Insured may also cancel the Policy at any time, in which case the Company shall from the date of receipt of notice cancel the Policy and retain the premium for the period this Policy has been in force at the Company short period scales provided there is no claim under the Policy during the policy period.","sources":[{"clause":"22","heading":"Cancellation / Termination","page":55,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/jeweller-s-package-policy-irdan115rp0003v01202021/document/20332#c-22-3"},{"clause":"22","heading":"Cancellation / Termination","page":34,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/jeweller-s-package-policy-irdan115rp0003v01202021/document/26784#c-22"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"quote-verified","value":"The default geographical limit is Indian territory unless otherwise specified. Exhibition/Photo shoots/Fashion shows may be within India or abroad as mentioned in the Policy Schedule, and the Personal Accident extension is worldwide.","display":"India unless otherwise specified; some sections/extensions can be abroad or worldwide if scheduled","note":"Section VI and Extension 8 have separate territorial wording when applicable.","quote":"Geographical Limits means Indian territory, unless otherwise specified ... within India or abroad as mentioned in thePolicy Schedule. ... The cover is for 24 hours or as mentioned in Part 1 of the schedule and on a worldwide basis.","sources":[{"clause":"18","heading":"Geographical Limits","page":6,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/jeweller-s-package-policy-irdan115rp0003v01202021/document/20332#c-18"},{"clause":"Section VI","heading":"Exhibition/ Photo shoots/ Fashion shows","page":23,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/jeweller-s-package-policy-irdan115rp0003v01202021/document/20332#c-section-vi"},{"clause":"3(b)","heading":"IN RESPECT OF INCREASE IN COST OF WORKING","page":41,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/jeweller-s-package-policy-irdan115rp0003v01202021/document/20332#c-3-b-2"}],"law":[]},{"key":"property_covered","label":"Property covered","section":"Cover","meaning":"Building, stock, plant, machinery, contents.","status":"quote-verified","value":"The policy covers jewellery stock and stock-in-trade, including gold or silver ornaments, pearls, diamonds and precious stones, and other merchandise usual to the insured's business. It also has sections for structure/building, business furniture, fixtures, fittings and contents, money, electronic equipment and fixed glass, subject to the selected sections and schedule limits.","display":"Jewellery stock and stock-in-trade; structure/building; furniture, fixtures, fittings and contents; money; electronic equipment; fixed glass","note":"Coverage depends on the sections and limits shown in the Schedule.","quote":"“Property Insured” means Stock and stock in trade consisting of Jewellery, Gold or Silver Ornaments and Plates, Pearls and Diamonds and Precious Stones of any sort or kind whatsoever or other merchandise and materials usual to the conduct of the Insured's business ... This section covers loss or damage to Building ... This Policy section includes business and trade furniture, fixtures, fittings including electrical installations, safes, office machinery and electrical and mechanical appliances, tools and instruments for business ... Money means cash including coins and currency notes, bank drafts, treasury notes, cheques, postal orders, and current postage stamps. ... Electronic Equipment’s including Computers, Fax Machine, CCTV or any other electronic equipment’s ... The Company will indemnify the Insured in respect of Fixed Glasses","sources":[{"clause":"33","heading":"“Property Insured”","page":6,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/jeweller-s-package-policy-irdan115rp0003v01202021/document/20332#c-33"},{"clause":"Section IV","heading":"Structure & Content","page":12,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/jeweller-s-package-policy-irdan115rp0003v01202021/document/20332#c-section-iv"},{"clause":null,"heading":"Burglary, Theft and Robbery cover","page":13,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/jeweller-s-package-policy-irdan115rp0003v01202021/document/20332#c-burglary-theft-and-robbery-cover"},{"clause":"27","heading":"Money","page":6,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/jeweller-s-package-policy-irdan115rp0003v01202021/document/20332#c-27"},{"clause":"Section X","heading":"All Risk","page":30,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/jeweller-s-package-policy-irdan115rp0003v01202021/document/20332#c-section-x-2"},{"clause":"Section XI","heading":"Fixed glass (Glass Breakage)","page":34,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/jeweller-s-package-policy-irdan115rp0003v01202021/document/20332#c-section-xi"}],"law":[]},{"key":"business_interruption","label":"Business interruption","section":"Cover","meaning":"Loss of profit while the business cannot run.","status":"quote-verified","value":"Consequential loss is generally excluded, but Extension 7 provides Consequential Loss (Fire) Insurance when the insured business is interrupted or interfered with because covered property damage occurs under Section IV and the extension is in force.","display":"Excluded unless Extension 7 Consequential Loss (Fire) Insurance is taken","note":"Extension 7 is an extension, not automatic base cover.","quote":"Consequential loss of any kind or description including any reduction of market value beyond the cost of repair or replacement. ... Extension 7: CONSEQUENTIAL LOSS (FIRE) INSURANCE ... if any building or other property or any part thereof used by the Insured at the premises for the purpose of the Business, be destroyed or damaged by the perils covered under Section IV & Extension under IV ... and the Business carried on by the Insured at the Premises be in consequence thereof interrupted or interfered with, then the company will pay to the insured","sources":[{"clause":"15","heading":null,"page":11,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/jeweller-s-package-policy-irdan115rp0003v01202021/document/20332#c-15-2"},{"clause":null,"heading":"Extension 7: CONSEQUENTIAL LOSS (FIRE) INSURANCE","page":38,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/jeweller-s-package-policy-irdan115rp0003v01202021/document/20332#c-extension-7-consequential-loss-fire-insurance"}],"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 stock sections, valuation is the insured's cost plus ten percent, but diamonds where cost cannot be derived are valued at selling price less ten percent. For Section IV, reinstatement value applies only to structure/building, machinery and furniture, fixtures and fittings; all other contents are on market value basis. For all items other than stocks, the basis is cost of acquisition less depreciation, wear and tear or market value, whichever is less.","display":"Stock: cost plus 10%; diamonds where cost cannot be derived: selling price less 10%; structure/building, machinery and furniture/fixtures/fittings: reinstatement value; other contents/items: market value or depreciated cost basis","note":"The insurer may agree otherwise in the schedule.","quote":"The basis of valuation of property insured for the purpose of this insurance, unless otherwise agreed by the insurer shall be the Insured’s Cost plus ten per cent thereof, but in case of diamonds where it is not possible to derive the cost it shall be Selling Price less ten per cent. ... Reinstatement Value Clause as stated below shall be applicable only to Structure/Building, Machinery and Furniture, Fixtures and Fittings. All other Contents shall be insured on Market Value Basis ... For all items other than Stocks insured, the basis shall be the cost of acquisition of such items less depreciation, wear and tear or market value of such items (whichever is less)","sources":[{"clause":"5","heading":null,"page":8,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/jeweller-s-package-policy-irdan115rp0003v01202021/document/20332#c-5-2"},{"clause":"3.4(a)","heading":null,"page":19,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/jeweller-s-package-policy-irdan115rp0003v01202021/document/20332#c-3-4-a-8"},{"clause":"18","heading":null,"page":54,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/jeweller-s-package-policy-irdan115rp0003v01202021/document/20332#c-18-3"}],"law":[]},{"key":"under_insurance","label":"Under-insurance (average) clause","section":"Limits and co-pay","meaning":"If the sum insured is less than the real value, claims are cut in proportion.","status":"quote-verified","value":"If insured property is collectively worth more than the sum insured, the insured is treated as self-insurer for the difference and bears a rateable proportion of the loss. If waiver of under-insurance up to 15% is opted, the average condition has no effect when the sum insured is not less than 85% of the collective value.","display":"Average applies; waiver up to 15% if opted, no average when sum insured is at least 85% of collective value","note":null,"quote":"If the insured property be collectively of greater value than the Sum Insured thereon, then the Insured shall be considered as being his own insurer for the difference, and shall bear a rateable proportion of the loss or damage accordingly. ... Amended condition of average applicable only if waiver of under insurance up to 15% is Opted: ... if the Sum insured is at the time of an insured event not less than 85% of the collective value of the Insured property, this condition shall be of no purpose and effect.","sources":[{"clause":"17","heading":"Condition of Average","page":54,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/jeweller-s-package-policy-irdan115rp0003v01202021/document/20332#c-17-3"},{"clause":"18","heading":null,"page":54,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/jeweller-s-package-policy-irdan115rp0003v01202021/document/20332#c-18-3"}],"law":[]}],"documents":[{"kind":"wording","label":"JEWELLER’S PACKAGE POLICY SOOKSHMA","pages":81,"fetched_at":"2026-10-20 02:11:24+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/jewelers-package-policy-wordings-sookshma_revised.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/jeweller-s-package-policy-irdan115rp0003v01202021/document/20031"},{"kind":"wording","label":"Jeweller's Package Policy","pages":60,"fetched_at":"2026-10-20 02:32:05+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/jewellers's-package-insurance_wordings8c0007ff45fd68ff8a0df0055fd40599.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/jeweller-s-package-policy-irdan115rp0003v01202021/document/20332"},{"kind":"wording","label":"Jeweller's Package Policy (IRDAI copy)","pages":111,"fetched_at":"2026-10-20 00:30:52+00","source_url":"https://irdai.gov.in/documents/37343/993134/IRDAN115RP0003V02202021_GEN4442.pdf/591df19d-d441-457c-50cc-28b46fff0f42?version=1.1&t=1668854743855&download=true","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/jeweller-s-package-policy-irdan115rp0003v01202021/document/23743"},{"kind":"wording","label":"Jeweller's Package Policy (IRDAI copy)","pages":40,"fetched_at":"2026-10-20 01:35:28+00","source_url":"https://irdai.gov.in/documents/37343/993134/IRDAN115RP0003V01202021_GEN3983.pdf/6f89b793-033a-ec64-5645-fe2b93412c47?version=1.1&t=1668236299983&download=true","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/jeweller-s-package-policy-irdan115rp0003v01202021/document/26784"},{"kind":"prospectus","label":"Jeweller's Package Policy","pages":59,"fetched_at":"2026-10-20 02:02:38+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/prospectus-jewellers-package8c0007ff45fd68ff8a0df0055fa33059.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/jeweller-s-package-policy-irdan115rp0003v01202021/document/19927"},{"kind":"prospectus","label":"Jewellers Sookshma Policy","pages":75,"fetched_at":"2026-10-20 02:06:50+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/prospectus-jewelers-package-policy-sookshma8c0007ff45fd68ff8a0df0055fa33074.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/jeweller-s-package-policy-irdan115rp0003v01202021/document/19971"},{"kind":"cis","label":"Jewellers Package Policy CIS","pages":7,"fetched_at":"2026-10-20 02:15:37+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/4093-4093_s-4093_l-jewellers-package-policy-cis-template.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/jeweller-s-package-policy-irdan115rp0003v01202021/document/20085"}],"versions":[{"uin":"IRDAN115RP0003V02202021","version":null,"approved_on":null},{"uin":"IRDAN115RP0003V01202021","version":null,"approved_on":null}],"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":"Jeweller's Package Policy (UIN IRDAN115RP0003V01202021), IndiaInsurances, https://indiainsurances.com/policy/icici-lombard-general-insurance/jeweller-s-package-policy-irdan115rp0003v01202021"}