{"uin":"IRDAN123CP0012V01201819","name":"All Risks","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/all-risks-irdan123cp0012v01201819","insurer":{"slug":"cholamandalam-ms-general-insurance","name":"Cholamandalam MS General Insurance Company Limited","url":"https://indiainsurances.com/insurer/cholamandalam-ms-general-insurance"},"line":"general","category":"other-general","category_name":"Other general insurance","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"All Risks is a general insurance policy for property/items that indemnifies intrinsic value for loss, destruction or damage by fire and allied perils including earthquake, burglary or accident from any fortuitous cause. The geographical scope is India unless specifically extended to worldwide coverage, and the prospectus states a claims settlement turnaround time of 21 working days.","analysis":{"state":"machine","analysed_at":"2026-10-20 03:43:09.556567+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":null,"quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"not-stated","value":null,"display":null,"note":"The documents refer to the Policy Period/period of Insurance in the Schedule, but do not print a fixed policy term.","quote":null,"sources":[],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"The insured must give immediate written notice to the nearest office with a copy to the Policy Issuing Office, lodge a police complaint forthwith, and notify the relevant authority where the property was at the time of loss or damage.","display":"Immediate written notice, with police complaint forthwith and notice to the relevant authority","note":null,"quote":"The Insured shall give immediate notice thereof in writing to the nearest office with a copy to the Policy Issuing Office of the Company as well as lodge forthwith a complaint with the Police. The Insured must also notify the Railways, Steamship Company, Airline, Hotel Proprietors, or the Authority where the property was at the time of the happening of any loss or damage.","sources":[{"clause":"12(a)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/all-risks-irdan123cp0012v01201819/document/5132#c-12-a"}],"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":["detailed statement in writing of the loss or damage","estimate of the intrinsic value of the property lost","documents of damage sustained","all reasonable information, assistance and proofs","affidavit as statutory declaration, if required","Claim form","FIR/FR","Proof in support of Cause of Loss/Operation of Insured peril","Books of Accounts","Stock Register","Repair / Reinstatement Bills","Proof of Reinstatement","KYC documents PAN, ROC certificate, Aadhar, GST Registration Cert Etc.","Any other Document"],"display":"Detailed loss statement with estimate and proofs; claim form, FIR/FR, cause proof, books/stock records, repair/reinstatement bills, reinstatement proof, KYC and any other document","note":"The detailed document list is printed in the prospectus.","quote":"The Insured shall deliver to the Company, within fourteen days from the date on which the event shall have come to his knowledge a detailed statement in writing of the loss or damage, with an estimate of the intrinsic value of the property lost and documents of damage sustained. The Insured shall tender to the Company all reasonable information, assistance and proofs in connection with any claim hereunder and shall, if required, make an affidavit as statutory declaration in substantiation of such claim. ... Documents required for Claim processing:\na) Claim form,\nb) FIR/FR,\nc) Proof in support of Cause of Loss/Operation of Insured peril,\nd) Books of Accounts,\ne) Stock Register,\nf) Repair / Reinstatement Bills,\ng) Proof of Reinstatement,\nh) KYC documents PAN, ROC certificate, Aadhar, GST Registration Cert Etc.,\ni) Any other Document,","sources":[{"clause":"12(b)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/all-risks-irdan123cp0012v01201819/document/5132#c-12-b"},{"clause":null,"heading":"CANCELLATION","page":2,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/all-risks-irdan123cp0012v01201819/document/5118#c-cancellation"}],"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":"Turn Around Time for claims settlement is 21 working days.","display":"21 working days","note":"The clause does not state from when the 21 working days are counted.","quote":"Turn Around Time for claims settlement is 21 working days.","sources":[{"clause":null,"heading":"CANCELLATION","page":2,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/all-risks-irdan123cp0012v01201819/document/5118#c-cancellation"}],"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":["Damage caused by any process of cleaning, dyeing or bleaching, restoring, repairing or renovation or deterioration arising from wear and tear, moth, vermin, insects of mildew or any other gradually operating cause.","Breakage, cracking or scratching or crockery, Glass, Cameras, Binoculars, Lenses, Sculptures, Curios, Pictures, Musical Instruments, Sports Gear and similar articles of brittle or fragile nature, unless caused by fire or accident to the means of conveyance.","Loss or damage caused by mechanical or electrical derangement/breakdown of any article unless caused by accidental external means.","Over winding, denting or internal damage of watches and clocks.","Loss or damage to Money, Securities, Manuscripts, Deeds, Bonds, Bills of Exchange, Promissory Notes, Stocks or Share Certificates, Stamps and Travel Tickets or Traveller’s Cheque, business books or documents.","Theft from any car, except car of fully enclosed Saloon type having all the doors, windows and other openings securely locked and properly fastened.","Loss or damage whether direct or indirect arising from War, War like operations, Act of Foreign Enemy, Hostilities (whether War be declared or not) Civil War, Rebellion, Insurrection, Civil Commotion, Military or Usurped Power, Seizure, Capture, Confiscation, Arrests, Restraints and Detainment by the order of any Government or any other authority.","Any loss or damage arising through delay, detention or confiscation by Customs or other authorities.","ionising radiation or contamination by radioactivity, from any source whatsoever","Nuclear Weapons Material","Terrorism","Consequential loss or legal liability of any kind.","Loss or damage due to or contributed to by the Insured having caused or suffered anything to be done whereby the risks hereby insured against were unnecessarily increased."],"display":"Cleaning/repairing/wear and tear; fragile article breakage; mechanical or electrical breakdown; watches/clocks internal damage; money and documents; theft from certain cars; war and government action; customs delay/detention/confiscation; radiation/nuclear; terrorism; consequential loss/legal liability; risks unnecessarily increased","note":null,"quote":"Damage caused by any process of cleaning, dyeing or bleaching, restoring, repairing or renovation or deterioration arising from wear and tear, moth, vermin, insects of mildew or any other gradually operating cause. ... Breakage, cracking or scratching or crockery, Glass, Cameras, Binoculars, Lenses, Sculptures, Curios, Pictures, Musical Instruments, Sports Gear and similar articles of brittle or fragile nature, unless caused by fire or accident to the means of conveyance. ... Loss or damage caused by mechanical or electrical derangement/breakdown of any article unless caused by accidental external means. ... Over winding, denting or internal damage of watches and clocks. ... Loss or damage to Money, Securities, Manuscripts, Deeds, Bonds, Bills of Exchange, Promissory Notes, Stocks or Share Certificates, Stamps and Travel Tickets or Traveller’s Cheque, business books or documents. ... Theft from any car, except car of fully enclosed Saloon type having all the doors, windows and other openings securely locked and properly fastened. ... Loss or damage whether direct or indirect arising from War, War like operations, Act of Foreign Enemy, Hostilities (whether War be declared or not) Civil War, Rebellion, Insurrection, Civil Commotion, Military or Usurped Power, Seizure, Capture, Confiscation, Arrests, Restraints and Detainment by the order of any Government or any other authority. ... Any loss or damage arising through delay, detention or confiscation by Customs or other authorities.\n9. a) Any loss, destruction or damage to any property whatsoever or any loss or expense whatsoever, resulting or arising there from or any consequential loss and any legal liability of whatsoever nature, directly or indirectly caused by or contributed to by or arising from ionising radiation or contamination by radioactivity, from any source whatsoever. b) Any loss, destruction, damage or legal liability, directly or indirectly caused by or contributed to by or arising from Nuclear Weapons Material. ... Terrorism ... Consequential loss or legal liability of any kind. ... Loss or damage due to or contributed to by the Insured having caused or suffered anything to be done whereby the risks hereby insured against were unnecessarily increased.","sources":[{"clause":"1","heading":null,"page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/all-risks-irdan123cp0012v01201819/document/5132#c-1"},{"clause":"2","heading":null,"page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/all-risks-irdan123cp0012v01201819/document/5132#c-2"},{"clause":"3","heading":null,"page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/all-risks-irdan123cp0012v01201819/document/5132#c-3"},{"clause":"4","heading":null,"page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/all-risks-irdan123cp0012v01201819/document/5132#c-4"},{"clause":"5","heading":null,"page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/all-risks-irdan123cp0012v01201819/document/5132#c-5"},{"clause":"6","heading":null,"page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/all-risks-irdan123cp0012v01201819/document/5132#c-6"},{"clause":"7","heading":null,"page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/all-risks-irdan123cp0012v01201819/document/5132#c-7"},{"clause":"8","heading":null,"page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/all-risks-irdan123cp0012v01201819/document/5132#c-8"},{"clause":"10","heading":"Terrorism","page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/all-risks-irdan123cp0012v01201819/document/5132#c-10"},{"clause":"11","heading":null,"page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/all-risks-irdan123cp0012v01201819/document/5132#c-11"},{"clause":"12","heading":null,"page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/all-risks-irdan123cp0012v01201819/document/5132#c-12"}],"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 address the grievance to the insurer's Grievance Redressal Officer in writing by post or email; the policy also permits contacting the company through website, toll free number, email, courier or branch grievance cell.","display":"First write to Our Grievance Redressal Officer by post or email","note":null,"quote":"GRIEVANCES If You have a grievance about any matter relating to the Policy, or Our decision on any matter, or the claim, You can address Your grievance as follows:\n1. OUR GRIEVANCE REDRESSAL OFFICER You can send Your grievance in writing by post or email to Our Grievance Redressal Officer at the following address:\nIn case of any grievance the insured person may contact the company through Website : www.cholainsurance.com Toll free : 1800 208 9100 E-Mail : customercare@cholams.murugappa.com Fax : 044 -4044 5550 Courier : Cholamandalam MS General Insurance Company Limited, Customer services, Head Office Dare House 2nd floor, No 2 N.S.C. Bose Road, Chennai 600 001 Insured person may also approach the grievance cell at any of the company’s branches with the details of grievance.","sources":[{"clause":"12(e)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/all-risks-irdan123cp0012v01201819/document/5132#c-12-e"}],"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 and allied perils as per standard fire and special perils policy including earthquake","Burglary","Accident, from any fortuitous cause","Theft of movable items irrespective of the place where the loss occurred"],"display":"Fire and allied perils including earthquake; burglary; accident from any fortuitous cause; theft of movable items","note":"The theft wording is printed in the prospectus.","quote":"by Fire and allied perils as per standard fire and special perils policy including earthquake, Burglary or Accident, from any fortuitous cause ... All Risks Policy covers loss or damage to insured items against\na) Fire and allied perils as per standard fire and special perils policy including earthquake\nb) Burglary\nc) Accident from any fortuitous cause.\nd) Theft of movable items irrespective of the place where the loss occurred","sources":[{"clause":null,"heading":"All Risks-POLICY WORDING All Risks","page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/all-risks-irdan123cp0012v01201819/document/5132#c-all-risks-policy-wording-all-risks"},{"clause":null,"heading":"POLICY COVERAGE","page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/all-risks-irdan123cp0012v01201819/document/5118#c-policy-coverage"}],"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 policy prints article limits and sum insured limits, but no deductible or excess amount for each claim.","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":"The policy may be terminated at the insured's request at any time; the company will retain premium for the period the policy has been in force at its customary short period scales of rates, provided no claim has been reported during the policy period.","display":"Refund after retaining premium for time in force at customary short period scales, if no claim has been reported","note":null,"quote":"This policy may also be terminated at any time at the request of the Insured in which case the Company will retain the premium for the period this policy has been in force at the Company’s customary short period scales of rates provided no claim has been reported under the Policy period.","sources":[{"clause":null,"heading":"All Risks-POLICY WORDING","page":2,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/all-risks-irdan123cp0012v01201819/document/5132#c-all-risks-policy-wording"}],"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 geographical scope of the policy is India, unless it has been specifically extended to include a worldwide coverage; claims will be settled in INR.","display":"India, unless specifically extended to worldwide coverage; claims settled in INR","note":"The territory wording is printed in the prospectus.","quote":"The geographical scope of the policy is India, unless it has been specifically extended to include a worldwide coverage (claims will be settled in INR).","sources":[{"clause":null,"heading":"POLICY COVERAGE","page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/all-risks-irdan123cp0012v01201819/document/5118#c-policy-coverage"}],"law":[]},{"key":"subject_covered","label":"What is insured","section":"Cover","meaning":"The thing or risk this policy covers.","status":"quote-verified","value":"The policy indemnifies the intrinsic value of property mentioned in the Schedule, of the insured or family members, as declared in the proposal, if lost, destroyed or damaged within the stated limits.","display":"Intrinsic value of property mentioned in the Schedule, of the insured or family members","note":null,"quote":"to indemnify the Insured to the extent of the intrinsic value of the property mentioned in the Schedule, of the Insured or member(s) of his family, as declared in the proposal so lost, destroyed or damaged","sources":[{"clause":null,"heading":"All Risks-POLICY WORDING All Risks","page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/all-risks-irdan123cp0012v01201819/document/5132#c-all-risks-policy-wording-all-risks"}],"law":[]}],"documents":[{"kind":"wording","label":"ALL RISKS (C).pdf","pages":2,"fetched_at":"2026-10-17 19:44:34+00","source_url":"https://www.cholainsurance.com/documents/20121/o/ALL%20RISKS%20(C).pdf/c5b7a242-e85b-69c4-ffdf-627d765a0db7","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/all-risks-irdan123cp0012v01201819/document/5132"},{"kind":"wording","label":"All Risks (Retail) - Policy Wording.pdf","pages":5,"fetched_at":"2026-10-17 19:44:36+00","source_url":"https://www.cholainsurance.com/documents/20121/o/All%20Risks%20(Retail)%20-%20Policy%20Wording.pdf/f88886b3-fa34-8c3f-c037-dacafcf6bb33","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/all-risks-irdan123cp0012v01201819/document/5135"},{"kind":"prospectus","label":"Prospectus-All Risks(Retail).pdf","pages":4,"fetched_at":"2026-10-17 19:44:16+00","source_url":"https://www.cholainsurance.com/documents/20121/o/Prospectus-All%20Risks(Retail).pdf/7b36fec2-9471-bf9a-b551-94796f4b2723","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/all-risks-irdan123cp0012v01201819/document/5117"},{"kind":"prospectus","label":"Prospectus-All Risk-Commercial.pdf","pages":4,"fetched_at":"2026-10-17 19:44:18+00","source_url":"https://www.cholainsurance.com/documents/20121/o/Prospectus-All%20Risk-Commercial.pdf/7b991a74-9373-4195-967d-30ea5b12ba82","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/all-risks-irdan123cp0012v01201819/document/5118"},{"kind":"cis","label":"CIS-All Risk.pdf","pages":3,"fetched_at":"2026-10-17 19:42:22+00","source_url":"https://www.cholainsurance.com/documents/20121/o/CIS-All%20Risk.pdf/cb9e4dbe-4047-22a0-58be-a3fc1c035cb4","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/all-risks-irdan123cp0012v01201819/document/5010"}],"versions":[{"uin":"IRDAN123RP0075V01200203","version":null,"approved_on":null},{"uin":"IRDAN123CP0012V01201819","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Cholamandalam MS General Insurance official website","url":"https://www.cholainsurance.com","note":"Website as listed by IRDAI. Not checked: the site returned HTTP 502 to our crawler on 2026-10-19."},{"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":"All Risks (UIN IRDAN123CP0012V01201819), IndiaInsurances, https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/all-risks-irdan123cp0012v01201819"}