{"uin":"IRDAN123RP0005V01202021","name":"Extended Warranty - For Consumer Durables","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/extended-warranty-for-consumer-durables-irdan123rp0005v01202021","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":"Main product","kind":"product","status":"active","approved_on":"2020-01-09","withdrawn_on":null,"summary":"Extended Warranty Insurance is an indemnity cover for consumer durables against repair or replacement costs for breakdown from manufacturing defects after the manufacturer's original warranty ends. It can run for 1/2/3 years up to 3 years, applies to assets purchased, repaired and insured events in India, and claim settlement turnaround is 21 working days.","analysis":{"state":"machine","analysed_at":"2026-10-20 02:02:01.728613+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 describe optional covers and endorsements, 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":"The policy is issued for a minimum of 1/2/3 year’s and up to a maximum of 3 years. Cover commences on the immediate next day after the Manufacturer’s Original Warranty and runs for the period specified in the Policy Schedule.","display":"Minimum 1/2/3 year’s up to maximum 3 years","note":"The policy wording states the cover period is as specified in the Certificate of Insurance; the prospectus gives the minimum and maximum term.","quote":"The policy provides cover for Extended Warranty which commences on the immediate next day of the last day of Manufacturer’s Original Warranty and shall run for the period as specifies in the Policy Schedule. This Policy will be issued for a minimum of 1/2/3 year’s upto not exceeding a maximum of 3 years.","sources":[{"clause":null,"heading":"POLICY CONDITIONS","page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/extended-warranty-for-consumer-durables-irdan123rp0005v01202021/document/5157#c-policy-conditions"}],"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 or insured beneficiary must give written notice immediately and in any event within 14 days, to the address shown in the Policy Schedule or Certificate of Insurance.","display":"Immediately and within 14 days","note":null,"quote":"The Insured or Insured Beneficiary shall immediately and in any event within 14 days give written notice of the same to the address shown in the Policy Schedule/Certificate of insurance for this purpose","sources":[{"clause":"7.4","heading":"Duties and Obligations after occurrence of an Event","page":5,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/extended-warranty-for-consumer-durables-irdan123rp0005v01202021/document/5177#c-7-4"}],"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 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":"Claim form; FIR/FR; proof of cause of loss/insured peril; books of accounts; stock register; repair/reinstatement bills; proof of reinstatement; KYC documents; any other document","note":null,"quote":"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":"7.4","heading":"Duties and Obligations after occurrence of an Event","page":5,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/extended-warranty-for-consumer-durables-irdan123rp0005v01202021/document/5177#c-7-4"}],"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 document does not state from when the 21 working days are counted.","quote":"Turn Around Time for claims settlement is 21 working days.","sources":[{"clause":"7.4","heading":"Duties and Obligations after occurrence of an Event","page":5,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/extended-warranty-for-consumer-durables-irdan123rp0005v01202021/document/5177#c-7-4"}],"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":["Policy Deductible","Where Manufacturer's Original Warranty clause or any extensions is still valid","There is no coverage for Insured Asset which have been tampered with; modified or damaged as a result of accident; liquid damage; impact damage; proper care/maintenance and/or usage not in accordance with the Manual of Operations or similar instructions/Guidelines issued by the manufacturer.","Modification, alteration of Insured Asset and repair work carried out by unauthorized agents/Service centers","Replacement of consumables item of the Insured Asset, including but not limited to batteries, bulbs, plugs, cables, ribbons, belts, tapes, fuses, filters, toner or software unless the total product is replaced","Accessories that were not part of original equipment supply and consumables","Defects, faults that were not part of manufacturer’s warranty","Normal wear and tear, corrosion, rusting, denting, scratching, blockage, dust, peeling","Mechanical and electrical breakdown due to faults in electrical line /plug points to which Insured Asset is connected to, overloading, strain, overturning, freezing, excessive pressure, short circuiting, heating of the Insured Asset.","Third party legal liability of any kind","Consequential loss of any kind","Loss or damage arising out of any external cause, including but not limited to fire, burglary, theft, explosion, water damage, acts of God like earthquake, storm, Flood, typhoon, inundation, hurricane, lightening; riots, strike, malicious damage, terrorism, animal/insect damage, entry of foreign bodies, , battery leakage, abuse, misuse .","Known defects, loss or damage that arises before inception of the policy/ Cover Period","Products purchased outside India except products legally imported into India and purchased in India through Official channels","Refurbished, Assembled or second hand products whether Manufactured in India or abroad"],"display":"Policy deductible; manufacturer's warranty still valid; tampering/modification/accident/liquid/impact damage or improper use; unauthorised repair; consumables; non-original accessories; non-manufacturer-warranty defects; wear and tear; electrical line/plug faults and similar causes; third-party liability; consequential loss; external causes; known prior defects; products purchased outside India except legally imported and bought in India; refurbished, assembled or second-hand products","note":null,"quote":"Policy Deductible ... Where Manufacturer's Original Warranty clause or any extensions is still valid ... There is no coverage for Insured Asset which have been tampered with; modified or damaged as a result of accident; liquid damage; impact damage; proper care/maintenance and/or usage not in accordance with the Manual of Operations or similar instructions/Guidelines issued by the manufacturer. ... Modification, alteration of Insured Asset and repair work carried out by unauthorized agents/Service centers ... Replacement of consumables item of the Insured Asset, including but not limited to batteries, bulbs, plugs, cables, ribbons, belts, tapes, fuses, filters, toner or software unless the total product is replaced ... Accessories that were not part of original equipment supply and consumables ... Defects, faults that were not part of manufacturer’s warranty ... Normal wear and tear, corrosion, rusting, denting, scratching, blockage, dust, peeling ... Mechanical and electrical breakdown due to faults in electrical line /plug points to which Insured Asset is connected to, overloading, strain, overturning, freezing, excessive pressure, short circuiting, heating of the Insured Asset. ... Third party legal liability of any kind ... Consequential loss of any kind ... Loss or damage arising out of any external cause, including but not limited to fire, burglary, theft, explosion, water damage, acts of God like earthquake, storm, Flood, typhoon, inundation, hurricane, lightening; riots, strike, malicious damage, terrorism, animal/insect damage, entry of foreign bodies, , battery leakage, abuse, misuse . ... Known defects, loss or damage that arises before inception of the policy/ Cover Period ... Products purchased outside India except products legally imported into India and purchased in India through Official channels ... Refurbished, Assembled or second hand products whether Manufactured in India or abroad","sources":[{"clause":"4.1","heading":"Policy Deductible","page":3,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/extended-warranty-for-consumer-durables-irdan123rp0005v01202021/document/5177#c-4-1"},{"clause":"4.2","heading":"Where Manufacturer's Original Warranty clause or any extensions is still valid","page":3,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/extended-warranty-for-consumer-durables-irdan123rp0005v01202021/document/5177#c-4-2"},{"clause":"4.3","heading":null,"page":3,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/extended-warranty-for-consumer-durables-irdan123rp0005v01202021/document/5177#c-4-3"},{"clause":"4.4","heading":null,"page":3,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/extended-warranty-for-consumer-durables-irdan123rp0005v01202021/document/5177#c-4-4"},{"clause":"4.5","heading":null,"page":3,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/extended-warranty-for-consumer-durables-irdan123rp0005v01202021/document/5177#c-4-5"},{"clause":"4.6","heading":"Accessories that were not part of original equipment supply and consumables","page":3,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/extended-warranty-for-consumer-durables-irdan123rp0005v01202021/document/5177#c-4-6"},{"clause":"4.7","heading":"Defects, faults that were not part of manufacturer’s warranty","page":3,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/extended-warranty-for-consumer-durables-irdan123rp0005v01202021/document/5177#c-4-7"},{"clause":"4.9","heading":"Normal wear and tear, corrosion, rusting, denting, scratching, blockage, dust, peeling","page":3,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/extended-warranty-for-consumer-durables-irdan123rp0005v01202021/document/5177#c-4-9"},{"clause":"4.10","heading":null,"page":3,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/extended-warranty-for-consumer-durables-irdan123rp0005v01202021/document/5177#c-4-10"},{"clause":"4.12","heading":"Third party legal liability of any kind","page":3,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/extended-warranty-for-consumer-durables-irdan123rp0005v01202021/document/5177#c-4-12"},{"clause":"4.13","heading":"Consequential loss of any kind","page":3,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/extended-warranty-for-consumer-durables-irdan123rp0005v01202021/document/5177#c-4-13"},{"clause":"4.22","heading":null,"page":4,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/extended-warranty-for-consumer-durables-irdan123rp0005v01202021/document/5177#c-4-22"},{"clause":"4.26","heading":"Known defects, loss or damage that arises before inception of the policy/ Cover Period","page":4,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/extended-warranty-for-consumer-durables-irdan123rp0005v01202021/document/5177#c-4-26"},{"clause":"4.27","heading":null,"page":4,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/extended-warranty-for-consumer-durables-irdan123rp0005v01202021/document/5177#c-4-27"},{"clause":"4.28","heading":"Refurbished, Assembled or second hand products whether Manufactured in India or abroad","page":4,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/extended-warranty-for-consumer-durables-irdan123rp0005v01202021/document/5177#c-4-28"}],"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 write to customercare@cholams.murugappa.com to register the complaint. If dissatisfied or if there is delay greater than 7 working days, escalate to the Nodal Officer, then to the Chief Grievance Officer, before approaching the Insurance Ombudsman.","display":"Write to customercare@cholams.murugappa.com; then Nodal Officer; then Chief Grievance Officer; then Insurance Ombudsman","note":null,"quote":"Please write to customercare@cholams.murugappa.com to register your complaint. ... In case you are not happy with the resolution provided or delay of greater than 7 working days, you may follow the below escalation matrix. ... you may escalate the same to our Nodal Officer - the same to our Nodal Officer - Nodalescalation@cholams.murugappa.com (Quoting the previous Service request number) ... you may escalate the same to our Chief Grievance Officer\n- GRO@cholams.murugappa.com (Quoting the previous Service request number) ... you may approach the Insurance Ombudsman for Redressal.","sources":[{"clause":null,"heading":"Procedure of Grievance Redressal","page":8,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/extended-warranty-for-consumer-durables-irdan123rp0005v01202021/document/5177#c-procedure-of-grievance-redressal"},{"clause":null,"heading":"Escalation Matrix","page":8,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/extended-warranty-for-consumer-durables-irdan123rp0005v01202021/document/5177#c-escalation-matrix"}],"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":["repair or replacement costs in respect of the Insured Asset, caused by a Breakdown arising out of manufacturing defects during the Cover Period","cost of parts and labour in respect of Insured Asset for their Breakdown arising out of manufacturing defects"],"display":"Breakdown arising out of manufacturing defects, covering repair or replacement costs and parts and labour","note":null,"quote":"The Insurer will indemnify the Insured Beneficiary against the repair or replacement costs in respect of the Insured Asset, caused by a Breakdown arising out of manufacturing defects during the Cover Period ... covering cost of parts and labour in respect of Insured Asset for their Breakdown arising out of manufacturing defects","sources":[{"clause":"1","heading":"Scope of cover","page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/extended-warranty-for-consumer-durables-irdan123rp0005v01202021/document/5177#c-1"}],"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 defines a deductible as the amount borne for each claim, and the CIS says loss participation is as specified in the Policy Schedule, but the deductible amount is not stated in the extracted documents.","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 insured can cancel at any time during the term by informing the Company. The Company refunds proportionate premium for the unexpired period if the term is up to one year and no claim has been made; for terms over one year, it refunds premium for unexpired policy years for which risk coverage has not commenced.","display":"Proportionate refund for unexpired period if term is up to one year and no claim; for term more than one year, refund for unexpired policy years whose risk coverage has not commenced","note":null,"quote":"The insured can cancel the policy at any time during the term, by informing the Company. ... refund proportion premium for unexpired policy period, if the term of the policy is up to 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":"7.14","heading":"Policy Cancellation","page":6,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/extended-warranty-for-consumer-durables-irdan123rp0005v01202021/document/5177#c-7-14"}],"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 policy applies only to insured assets purchased in India, to insured events arising during the cover period within India, and to repairs within India. Liability is to make payment within India and in Indian Rupees only.","display":"India only: purchased in India, insured events within India, repaired within India, payment within India in Indian Rupees","note":null,"quote":"This Policy/Certificate of Insurance applies only to Insured Assets which are purchased in India, covering insured events arising during Cover Period within India, repaired within India. OUR liability shall be to make payment within India and in Indian Rupees only","sources":[{"clause":"6","heading":"Territorial Limits and covering Laws","page":4,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/extended-warranty-for-consumer-durables-irdan123rp0005v01202021/document/5177#c-6"}],"law":[]},{"key":"subject_covered","label":"What is insured","section":"Cover","meaning":"The thing or risk this policy covers.","status":"quote-verified","value":"The policy covers any new Consumer Electronics and/or Domestic Appliances insured under the Certificate of Insurance, against repair or replacement costs caused by breakdown from manufacturing defects. Refurbished, assembled or second hand products are outside the scope.","display":"New Consumer Electronics and/or Domestic Appliances, against repair or replacement costs from breakdown due to manufacturing defects","note":null,"quote":"Consumer Durable is any new product of Consumer Electronics and/or Domestic Appliances covered under this Certificate of Insurance. Refurbished, Assembled or second hand products are outside the scope of this policy. ... The Insurer will indemnify the Insured Beneficiary against the repair or replacement costs in respect of the Insured Asset, caused by a Breakdown arising out of manufacturing defects during the Cover Period","sources":[{"clause":"3.6","heading":"Consumer Durable","page":2,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/extended-warranty-for-consumer-durables-irdan123rp0005v01202021/document/5177#c-3-6"},{"clause":"1","heading":"Scope of cover","page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/extended-warranty-for-consumer-durables-irdan123rp0005v01202021/document/5177#c-1"}],"law":[]}],"documents":[{"kind":"wording","label":"Extended Warranty (For Consumer durables) - Policy Wording.pdf","pages":10,"fetched_at":"2026-10-17 19:45:18+00","source_url":"https://www.cholainsurance.com/documents/20121/o/Extended%20Warranty%20(For%20Consumer%20durables)%20-%20Policy%20Wording.pdf/b05ad41d-b20b-25e8-797e-e440f219e172","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/extended-warranty-for-consumer-durables-irdan123rp0005v01202021/document/5177"},{"kind":"wording","label":"Extended Warranty Insurance (for Consumer Durables) (IRDAI copy)","pages":16,"fetched_at":"2026-10-20 01:33:29+00","source_url":"https://irdai.gov.in/documents/37343/993134/IRDAN123RP0005V01202021_GEN3888.pdf/76c11437-45d7-b27f-2946-ceaf1558b2ee?version=1.1&t=1668328367000&download=true","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/extended-warranty-for-consumer-durables-irdan123rp0005v01202021/document/26696"},{"kind":"prospectus","label":"Prospectus-Extended Warranty (For Consumer Durables).pdf","pages":6,"fetched_at":"2026-10-17 19:45:00+00","source_url":"https://www.cholainsurance.com/documents/20121/o/Prospectus-Extended%20Warranty%20(For%20Consumer%20Durables).pdf/3c89a7b4-f21e-ac14-65a4-8be28f57778a","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/extended-warranty-for-consumer-durables-irdan123rp0005v01202021/document/5157"},{"kind":"cis","label":"CIS-Extended Warranty (For Consumer Durables).pdf","pages":5,"fetched_at":"2026-10-17 19:42:57+00","source_url":"https://www.cholainsurance.com/documents/20121/o/CIS-Extended%20Warranty%20(For%20Consumer%20Durables).pdf/e1bd484b-f15d-5ff5-fbe6-be6ce5c42174","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/extended-warranty-for-consumer-durables-irdan123rp0005v01202021/document/5045"}],"versions":[{"uin":"GEN3888","version":null,"approved_on":null},{"uin":"IRDAN123RP0005V01202021","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":"Extended Warranty - For Consumer Durables (UIN IRDAN123RP0005V01202021), IndiaInsurances, https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/extended-warranty-for-consumer-durables-irdan123rp0005v01202021"}