{"uin":"IRDAN115RP0013V02202122","name":"Complete Home Protect - IRDAN115RP0013V02202122","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/complete-home-protect-irdan115rp0013v02202122-irdan115rp0013v02202122","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":"Complete Home Protect is a home insurance policy for home building and/or contents, with Section 1 ICICI Bharat Griha Raksha mandatory and at least one other section required. It covers insured events such as fire, earthquake, storm, flood and theft within 7 days of an insured event, and underinsurance does not apply.","analysis":{"state":"machine","analysed_at":"2026-10-20 06:40:53.78503+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 covers and sections, 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":"quote-verified","value":"You can buy the policy for one year or more than one year, but the policy duration cannot exceed 5 years.","display":"One year or more than one year, maximum 5 years","note":"From the prospectus; the policy wording defines the Policy Period by the schedule.","quote":"The cover protects You during the period of the policy. You can buy the policy for one year or more than one year but the policy duration cannot exceed 5 years.","sources":[{"clause":null,"heading":"How long does this cover protect me?","page":9,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/complete-home-protect-irdan115rp0013v02202122-irdan115rp0013v02202122/document/20035#c-how-long-does-this-cover-protect-me"}],"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 physical loss or damage to the home building or contents due to an insured event, notice must be given immediately. The claim form must be submitted at the earliest opportunity and within 30 days from the date the loss or damage is first noticed.","display":"Immediate notice; claim form within 30 days from first noticing the 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":"Part III(a)","heading":null,"page":22,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/complete-home-protect-irdan115rp0013v02202122-irdan115rp0013v02202122/document/20380#c-part-iii-a-6"},{"clause":"Part III(b)","heading":null,"page":22,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/complete-home-protect-irdan115rp0013v02202122-irdan115rp0013v02202122/document/20380#c-part-iii-b-8"}],"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 Engineerˇs Report, Fire Brigade Report, etc.","FIR / Final Police investigation report wherever applicable","repair/ replacement quotation, invoice and payment proofs for each and every item as claimed","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, photos or video, supporting reports, FIR if applicable, repair or replacement estimates/invoices/payment proofs, value proofs, salvage offer, KYC/NEFT details, invoice/GRN/carrier claim/damage certificate, and any surveyor-specified documents","note":null,"quote":"List of documents which are necessary and relevant to the claim are as below:\nClaim 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 Engineerˇs 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","sources":[{"clause":"Part III(b)","heading":null,"page":23,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/complete-home-protect-irdan115rp0013v02202122-irdan115rp0013v02202122/document/20380#c-part-iii-b-13"}],"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. The claim will be decided within 7 days of receipt of the assessment sheet or survey report, except for policies issued on property or building on reinstatement value basis.","display":"Survey report within 15 days of claim form and documents; claim decided within 7 days of assessment sheet/survey report","note":null,"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).","sources":[{"clause":"Part III(b)","heading":null,"page":23,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/complete-home-protect-irdan115rp0013v02202122-irdan115rp0013v02202122/document/20380#c-part-iii-b-13"}],"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, or of anyone on Your behalf, or with Your connivance.","War, invasion, act of foreign enemy hostilities or war-like operations (whether war is declared or not), civil war, mutiny, civil commotion amounting to a popular rising, military rising, rebellion, revolution, insurrection or military or usurped power.","Ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from combustion of nuclear fuel","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 from whatever cause (lightning included).","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.","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 of any kind or description whatsoever.","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 Carpet Area by more than 10%","Costs, fees or expenses for preparing any claim."],"display":"Deliberate acts, war, nuclear radiation, pollution, electrical damage from short circuit etc., bullion/documents/vehicles unless stated, missing or mislaid property, property removed from home, consequential loss, reduction in market value, unendorsed additions over 10% carpet area, and claim-preparation costs","note":null,"quote":"Your deliberate, wilful or intentional act or ommission, or of anyone on Your behalf, or with Your connivance. ... War, invasion, act of foreign enemy hostilities or war-like operations (whether war is declared or not), civil war, mutiny, civil commotion amounting to a popular rising, military rising, rebellion, revolution, insurrection or military or usurped power. ... Ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from combustion of nuclear fuel ... Pollution or contamination, unless- a. the pollution or contamination itself has resulted from an Insured Event, or b. an Insured Event itself results from 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 from whatever cause (lightning included). ... 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. ... 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 of any kind or description whatsoever. ... 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 Carpet Area by more than 10% ... Costs, fees or expenses for preparing any claim.","sources":[{"clause":"4(c)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/complete-home-protect-irdan115rp0013v02202122-irdan115rp0013v02202122/document/20380#c-4-c-7"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"For a grievance, contact the company's respective branch office, call 1800-2666, or use the Grievance Redressal section on www.icicilombard.com. If the resolution is not satisfactory, the policy says you may approach IRDAI through Bima Bharosa or IGCC, or the Insurance Ombudsman.","display":"Contact branch office, 1800-2666 or Grievance Redressal on www.icicilombard.com; then IRDAI/Bima Bharosa/IGCC or Ombudsman if not satisfied","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\nus at the sub section | ̋Grievance Redressal ̨ o on our website www.icicilombard.com (Customer Support section). However, if the resolution provided by us is not\nsatisfactory 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":"Part III(b)","heading":null,"page":23,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/complete-home-protect-irdan115rp0013v02202122-irdan115rp0013v02202122/document/20380#c-part-iii-b-13"}],"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","Earthquake, volcanic eruption, or other convulsions of nature","Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Tsunami, Flood and Inundation","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","Acts of terrorism","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; earthquake/volcanic eruption/convulsions of nature; storm/cyclone/typhoon/tempest/hurricane/tornado/tsunami/flood/inundation; subsidence/landslide/rockslide; bush/forest/jungle fire; impact damage; missile testing; riot/strikes/malicious damage; terrorism; bursting or overflowing water tanks/apparatus/pipes; sprinkler leakage; theft within 7 days of an insured event","note":"Acts of terrorism are subject to the terrorism clause; theft cover in Section 1 is only within 7 days of, and proximately caused by, an insured event.","quote":"1. Fire | caused by burning of Insured Property by order of any Public Authority.\n2. Explosion or Implosion | -\n3. Lightning | -\n4. Earthquake, volcanic eruption, or other convulsions of nature | -\n5. Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Tsunami, Flood and Inundation | -\n6. Subsidence of the land on which Your Home Building stands, | caused by\nLandslide, Rockslide | ... 7. Bush fire, Forest fire, Jungle fire | groundworks or excavations\n8. Impact damage of any kind, i.e., damage caused by impact of, or | caused by pressure waves caused by aircraft or other aerial or space\ncollision caused by any external physical object (e.g. vehicle, falling | devices travelling at sonic or supersonic speeds.\ntrees, aircraft, wall etc.)\n9. Missile testing operations | -\n10. Riot, Strikes, Malicious Damages | caused by ... 11. Acts of terrorism (Coverage as per Terrorism Clause attached) | Exclusions and Excess as per Terrorism Clause attached.\n12. Bursting or overflowing of water tanks, apparatus and pipes. | -\n13. Leakage from automatic sprinkler installations. | ... 14. Theft within 7 (seven )days from the occurrence of and proximately | if it is\ncaused by any of the above Insured Events.","sources":[{"clause":"4(a)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/complete-home-protect-irdan115rp0013v02202122-irdan115rp0013v02202122/document/20380#c-4-a"},{"clause":"4(e)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/complete-home-protect-irdan115rp0013v02202122-irdan115rp0013v02202122/document/20380#c-4-e"},{"clause":"4(a)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/complete-home-protect-irdan115rp0013v02202122-irdan115rp0013v02202122/document/20380#c-4-a-2"},{"clause":"4(c)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/complete-home-protect-irdan115rp0013v02202122-irdan115rp0013v02202122/document/20380#c-4-c-2"}],"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 documents say deductibles or excess may apply and may be as mentioned in the schedule for particular covers, but do not state a single deductible amount for the policy.","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 at any time during the term by informing the insurer. The refund is proportionate premium for the unexpired policy period if the term is up to one year and no claims have been made; for terms over one year, premium is refunded for unexpired policy years whose risk coverage has not commenced.","display":"Proportionate refund for unexpired period if term is up to one year and no claim; for terms over one year, refund for unexpired policy years not commenced","note":null,"quote":"You can cancel the policy at any time during the term, by informing Us. ... We shall 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. 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.","sources":[{"clause":"Part III(b)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/complete-home-protect-irdan115rp0013v02202122-irdan115rp0013v02202122/document/20380#c-part-iii-b-3"},{"clause":"Part III(b)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/complete-home-protect-irdan115rp0013v02202122-irdan115rp0013v02202122/document/20380#c-part-iii-b-4"}],"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 do not state an overall geographic territory of cover; the insured property/location is described through the policy schedule, and some individual sections specify their own locations.","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":"Home Building Cover covers physical loss, damage or destruction of the home building because of an insured event. The home building includes the residential unit, permanently attached fixtures and fittings, and listed additional structures on the same site; the sum insured is the prevailing cost of construction at commencement as declared and accepted.","display":"Physical loss, damage or destruction of the Home Building by an insured event; includes fixtures, fittings and additional structures; sum insured based on prevailing cost of construction","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 is a building consisting of a residential unit, having an enclosed structure and a roof, basement (if any) and used as a dwelling place. ... Your Home Building includes fixtures and fittings permanently attached to the floor, walls or roof, like fixed sanitary fittings, electrical wiring and other permanent fittings. ... The Sum Insured for the Home Building Cover is the prevailing Cost of Construction of Your Home Building at the Commencement Date as declared by You and accepted by Us and will be the maximum amount payable in the event the Home Building is a Total Loss.","sources":[{"clause":"4(c)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/complete-home-protect-irdan115rp0013v02202122-irdan115rp0013v02202122/document/20380#c-4-c-2"},{"clause":"4(a)","heading":"Your Home Building","page":4,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/complete-home-protect-irdan115rp0013v02202122-irdan115rp0013v02202122/document/20380#c-4-a-3"},{"clause":"4(b)","heading":"Your Home Building","page":4,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/complete-home-protect-irdan115rp0013v02202122-irdan115rp0013v02202122/document/20380#c-4-b-3"},{"clause":"4(a)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/complete-home-protect-irdan115rp0013v02202122-irdan115rp0013v02202122/document/20380#c-4-a-6"}],"law":[]},{"key":"contents_cover","label":"Contents cover","section":"Cover","meaning":"Cover for household goods, jewellery and valuables, and limits.","status":"quote-verified","value":"Home Contents Cover covers physical loss, damage or destruction of the general contents caused by an insured event. If both home building and home contents covers are opted, general contents have a built-in cover equal to 20% of the home building sum insured subject to a maximum of Rupees Ten Lakh; valuable contents require the optional valuable contents cover.","display":"General contents covered for insured events; built-in 20% of Home Building sum insured up to Rupees Ten Lakh if both covers are opted; valuable contents only with optional cover","note":null,"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. ... The policy has a built-in cover for the General Contents of Your home equal to 20% of the Sum Insured for Home Building Cover subject to a maximum of 1 10 Lakh (Rupees Ten Lakh) provided You have opted for both Home Building and Home Contents cover. ... If You want to cover the Valuable Contents in Your Home, You must opt for the Optional Cover for Valuable Contents as given in Clause E (1) (a) of this Policy.","sources":[{"clause":"4(d)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/complete-home-protect-irdan115rp0013v02202122-irdan115rp0013v02202122/document/20380#c-4-d-4"},{"clause":"4(b)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/complete-home-protect-irdan115rp0013v02202122-irdan115rp0013v02202122/document/20380#c-4-b-8"},{"clause":"4(e)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/complete-home-protect-irdan115rp0013v02202122-irdan115rp0013v02202122/document/20380#c-4-e-4"}],"law":[]},{"key":"burglary","label":"Burglary and theft","section":"Cover","meaning":"Whether burglary is covered.","status":"quote-verified","value":"Burglary is covered under the Break-In Cover for loss or damage caused by break in, burglary or attempted break in or burglary to insured contents. Under the base insured events, theft is covered only within 7 days from and proximately caused by an insured event.","display":"Burglary covered under Break-In Cover for insured contents; base Section 1 covers theft only within 7 days of an insured event","note":"Break-In Cover is one of the policy sections; Home Content-All Risk Cover and Break-In Cover cannot both be opted according to the policy wording.","quote":"14. Theft within 7 (seven )days from the occurrence of and proximately | if it is\ncaused by any of the above Insured Events. ... It is hereby declared and agreed subject to the terms, conditions and exclusions herein contained or otherwise expressed herein to indemnify the insured for any loss and/or damage caused by break in, burglary and/or attempted break in/burglary, to the insuredˇs contents (as specified in Policy schedule). \"Burglary\" means any theft following upon actual forcible and violent entry of and/or exit from the premises by the person or persons committing such theft and includes housebreaking.","sources":[{"clause":"4(c)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/complete-home-protect-irdan115rp0013v02202122-irdan115rp0013v02202122/document/20380#c-4-c-2"},{"clause":"4(a)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/complete-home-protect-irdan115rp0013v02202122-irdan115rp0013v02202122/document/20380#c-4-a-16"}],"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":"The Home Building Cover pays for loss of rent or rent for alternative accommodation while the home building is not fit for living because of physical loss arising out of an insured event, to the extent declared and agreed. The maximum period of this cover is three years from the date the home building becomes unfit for living, and the claim is accepted only if the physical damage claim under Home Building Cover is accepted.","display":"Loss of rent and rent for alternative accommodation, maximum three years, when the home building is unfit for living after an insured event","note":null,"quote":"Further, We pay for Loss of rent and Rent for Alternative Accommodation, which will be paid to the extent declared by You and agreed by Us as specified under Clause C (6) of this Policy while Your Home Building is not fit for living following loss or damage due to an insured event. ... In addition to what Clause C (5) (c) of this Policy provides for, 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 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. ... Claim for loss of rent will be accepted only if We have accepted Your claim for loss for physical damage to Your Home under the Home Building Cover.","sources":[{"clause":"4(c)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/complete-home-protect-irdan115rp0013v02202122-irdan115rp0013v02202122/document/20380#c-4-c-2"},{"clause":"4(f)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/complete-home-protect-irdan115rp0013v02202122-irdan115rp0013v02202122/document/20380#c-4-f"},{"clause":"4(d)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/complete-home-protect-irdan115rp0013v02202122-irdan115rp0013v02202122/document/20380#c-4-d-4"}],"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 Cover, the sum insured is the prevailing cost of construction of the home building at the commencement date as declared by the insured and accepted by the insurer. For general contents, the chosen sum insured must be enough to cover replacement cost; valuable contents, if optionally covered, may be on an agreed value basis using a valuation certificate accepted by the insurer.","display":"Building: prevailing Cost of Construction at commencement; general contents: replacement cost; valuable contents: optional agreed value basis","note":null,"quote":"The Sum Insured for the Home Building Cover is the prevailing Cost of Construction of Your Home Building at the Commencement Date as declared by You and accepted by Us ... The Sum Insured You have chosen for General Contents must be enough to cover the cost of replacement 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 submitted by You and accepted by Us.","sources":[{"clause":"4(a)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/complete-home-protect-irdan115rp0013v02202122-irdan115rp0013v02202122/document/20380#c-4-a-6"},{"clause":"4(d)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/complete-home-protect-irdan115rp0013v02202122-irdan115rp0013v02202122/document/20380#c-4-d-5"},{"clause":"4(a)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/complete-home-protect-irdan115rp0013v02202122-irdan115rp0013v02202122/document/20380#c-4-a-11"}],"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 the Complete Home Protect Policy. If the sum insured calculated on the 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 Complete Home Protect 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":"Part III(b)","heading":null,"page":23,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/complete-home-protect-irdan115rp0013v02202122-irdan115rp0013v02202122/document/20380#c-part-iii-b-12"}],"law":[]}],"documents":[{"kind":"wording","label":"Complete Home Protect - IRDAN115RP0013V02202122","pages":30,"fetched_at":"2026-10-20 02:36:16+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/8-complete-home-protect---irdan115rp0013v02202122.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/complete-home-protect-irdan115rp0013v02202122-irdan115rp0013v02202122/document/20380"},{"kind":"prospectus","label":"Complete Home Protect - IRDAN115RP0013V02202122","pages":23,"fetched_at":"2026-10-20 02:11:58+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/prospectus_complete_home_protect8c0007ff45fd68ff8a0df0055fa7b85c.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/complete-home-protect-irdan115rp0013v02202122-irdan115rp0013v02202122/document/20035"},{"kind":"premium","label":"Complete Home Protect - IRDAN115RP0013V02202122","pages":null,"fetched_at":"2026-10-20 01:58:56+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/complete-home-protect---premium-calculator8c0007ff45fd68ff8a0df0055f9c7523.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/complete-home-protect-irdan115rp0013v02202122-irdan115rp0013v02202122/document/19614"}],"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":"Complete Home Protect - IRDAN115RP0013V02202122 (UIN IRDAN115RP0013V02202122), IndiaInsurances, https://indiainsurances.com/policy/icici-lombard-general-insurance/complete-home-protect-irdan115rp0013v02202122-irdan115rp0013v02202122"}