{"uin":"IRDAN123RP0006V01202021","name":"Double Safe - Locker Insurance","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/double-safe-locker-insurance-irdan123rp0006v01202021","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":"Double Safe Locker Insurance covers jewellery, valuables and documents in a bank safe deposit locker against loss, destruction or damage by any fortuitous cause other than exclusions. It also covers lock and key replacement for a lost or stolen safe deposit locker key, has plans A to H, nil deductible and a 24-hour claim intimation requirement.","analysis":{"state":"machine","analysed_at":"2026-10-20 02:58:28.695964+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":"quote-verified","value":["A","B","C","D","E","F","G","H"],"display":"Plans A, B, C, D, E, F, G and H","note":null,"quote":"ANNEXURES VARIOUS PLANS AVAILABLE UNDER THE POLICY:\nPlans | Sum Insured- Safe Deposit Locker Cover | Sum Insured Documents | Sum Insured-Lock and Key Replacement cover | SUM INSURED FOR Add- On Wear Cover (IF OPTED)\nA | 1,00,000 | 10000 | 5,000 | 100,000\nB | 2,00,000 | 10000 | 5,000 | 200,000\nC | 3,00,000 | 10000 | 5,000 | 300,000\nD | 5,00,000 | 10000 | 10,000 | 500,000\nE | 10,00,000 | 25000 | 10,000 | 500,000\nF | 20,00,000 | 25000 | 10,000 | 1,000,000\nG | 40,00,000 | 25000 | 12,500 | 2,000,000\nH | >=50,00,000 as opted by the insured | 25000 | 12,500 | 2,500,000","sources":[{"clause":null,"heading":"INFORMATION ABOUT US","page":11,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/double-safe-locker-insurance-irdan123rp0006v01202021/document/5032#c-information-about-us-2"}],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"not-stated","value":null,"display":null,"note":"The wording defines Policy Period by start and end dates but does not state 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 contact the Company and intimate the claim within 24 hours of any event giving rise to a claim.","display":"Within 24 hours of any event giving rise to a claim","note":null,"quote":"Upon the happening of any event giving rise to a claim, the insured shall within 24 hours contact the Company and intimate the claim.","sources":[{"clause":null,"heading":"GENERAL CONDITIONS","page":5,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/double-safe-locker-insurance-irdan123rp0006v01202021/document/5032#c-general-conditions"}],"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":["Proof in support of Cause of Loss/Operation of Insured peril","Duly completed claim form signed by the insured","Full details of Jewellery, Antique and vintage Jewellery, Valuables kept in the safe deposit locker at the time of the claim incident, along with the Invoice/Bill/Valuation report","Books of Accounts","Fire Brigade Report in case of Fire","Written complaint to Police (FIR)","Police Final Investigation Report","Copy of Claim Intimation sent to Bank Authorities","Repair / Reinstatement Bills and invoices, valuation reports etc","NEFT details & cancelled cheque","Proof of Reinstatement","KYC documents PAN, ROC certificate, Aadhar, GST Registration Cert Etc.","Any other document deemed necessary to establish the loss or its quantum depending upon the nature of claim","Copy of the intimation to the Bank by you regarding the loss of Safe Deposit locker key duly acknowledged by them","Copy of the FIR lodged with the police Authorities by you in case of Lost//stolen Safe Deposit Locker key","Written communication received by you from the bank regarding the replacement of the Lock and key and the actual cost of Replacement","Proof of payment made by you to the Bank towards the cost of Replacement"],"display":"Claim form, proof of loss/peril, jewellery and valuables details with invoice/bill/valuation report, FIR and police final report, bank intimation, repair/reinstatement bills, NEFT and KYC documents; additional bank, FIR, replacement and payment documents for lock and key claims","note":"General claim documents are to be submitted within 14 days of occurrence. Separate listed documents apply for Lock and Key Replacement cover.","quote":"In event of a claim arising under this Policy, the Insured shall arrange for submission of the following documents to the Company within 14 days of the occurrence of loss:\na) Proof in support of Cause of Loss/Operation of Insured peril,\nb) Duly completed claim form signed by the insured detailing the loss or damage that has occurred and an estimate of the quantum of any claim along with all documentation required to support and substantiate the amount sought from the Company\nc) Full details of Jewellery, Antique and vintage Jewellery, Valuables kept in the safe deposit locker at the time of the claim incident, along with the Invoice/Bill/Valuation report.\nd) Books of Accounts\ne) Fire Brigade Report in case of Fire\nf) Written complaint to Police (FIR) by Bank Authorities for Theft and Burglary/Robbery/Hold up Claims/Infidelity of Employee claims if the Incident has occurred at Bank Premises or by Insured for incidents outside the bank premises\ng) Police Final Investigation Report\nh) Copy of Claim Intimation sent to Bank Authorities by the Insured for Loss that has occurred at the Bank Premises and/or infidelity of Bank Employees and duly acknowledged by them\ni) Repair / Reinstatement Bills and invoices, valuation reports etc required to support and substantiate the claim amount\nj) NEFT details & cancelled cheque\nk) Proof of Reinstatement\nl) KYC documents PAN, ROC certificate, Aadhar, GST Registration Cert Etc.\nm) Any other document deemed necessary to establish the loss or its quantum depending upon the nature of claim. ... In the event of a claim under Lock and Key Replacement cover, the following documents are required to be submitted:\na) Copy of the intimation to the Bank by you regarding the loss of Safe Deposit locker key duly acknowledged by them\nb) Copy of the FIR lodged with the police Authorities by you in case of Lost//stolen Safe Deposit Locker key\nc) Written communication received by you from the bank regarding the replacement of the Lock and key and the actual cost of Replacement of the safe Deposit Locker Lock and Key.\nd) Proof of payment made by you to the Bank towards the cost of Replacement of the Safe Deposit locker Lock and Key.","sources":[{"clause":null,"heading":"GENERAL CONDITIONS","page":5,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/double-safe-locker-insurance-irdan123rp0006v01202021/document/5032#c-general-conditions"}],"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 wording does not say from when the 21 working days are counted.","quote":"n) Turn Around Time for claims settlement is 21 working days.","sources":[{"clause":null,"heading":"GENERAL CONDITIONS","page":5,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/double-safe-locker-insurance-irdan123rp0006v01202021/document/5032#c-general-conditions"}],"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":["Money whilst stored or lying in the Safe Deposit Locker","Loss or Damage to Documents except whilst stored or lying inside the safe Deposit Locker mentioned in the schedule","Partial Loss of or Damage to Documents","Loss or Damage to Safe Deposit locker key in the custody and Control of Insured","Loss or Damage to the Jewellery and/or Valuables if it is removed and /or taken out from the Safe Deposit Locker for any purpose by the Insured","Loss or damage to the Jewellery and/or Valuables kept inside the Safe Deposit Locker due to the willful gross negligence of the Insured in taking care of Safe Deposit Locker Keys whilst in their custody and control","Loss or damage arising out of or due to improper locking of the locker or locker being left open","Any event which happened before the start of the policy","Theft, fraud or dishonesty committed by the Insured and/or his family members ,Representatives and/or Employees of Insured","Mysterious Disappearance and Unexplained Loss, where the Insured property disappears under unknown and unexplainable circumstances","Natural ageing, gradual deterioration, inherent vice ,latent defect ,rust ,oxidation ,warping ,shrinkage ,mould insects corrosion or depreciation","Mechanical and electrical breakdown, damage or failure including over winding of watches/clocks","The Insured’s consequential losses of any kind","War, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, military or usurped power","loss, damage cost or expense of whatsoever nature directly or indirectly caused by, resulting from or in connection with any act of terrorism"],"display":"Money in the locker, partial document loss, documents outside the scheduled locker, key loss in the insured's custody, jewellery or valuables removed from the locker, gross negligence with keys, improper locking, pre-policy events, insured dishonesty, mysterious disappearance, ageing/deterioration, mechanical/electrical breakdown, consequential loss, war and terrorism","note":null,"quote":"SPECIFIC EXCLUSIONS FOR SECTION A:\nWe will not pay for: ... Money whilst stored or lying in the Safe Deposit Locker ... Loss or Damage to Documents except whilst stored or lying inside the safe Deposit Locker mentioned in the schedule ... Partial Loss of or Damage to Documents ... Loss or Damage to Safe Deposit locker key in the custody and Control of Insured ... Loss or Damage to the Jewellery and/or Valuables if it is removed and /or taken out from the Safe Deposit Locker for any purpose by the Insured ... Loss or damage to Jewellery and/or Valuables kept inside the Safe Deposit Locker due to the willful gross negligence of the Insured in taking care of Safe Deposit Locker Keys whilst in their custody and control ... Loss or damage arising out of or due to improper locking of the locker or locker being left open ... no cover is available hereunder and no payment will be made by the Company for any claim directly or indirectly caused by, based on, arising out of or howsoever attributable to any of the following: ... Any event which happened before the start of the policy ... Theft, fraud or dishonesty committed by the Insured and/or his family members ,Representatives and/or Employees of Insured. However, it is clarified that any loss caused by the dishonesty of employee of the bank which has leased out the locker, is not excluded from the cover ... Mysterious Disappearance and Unexplained Loss, where the Insured property disappears under unknown and unexplainable circumstances ... Natural ageing, gradual deterioration, inherent vice ,latent defect ,rust ,oxidation ,warping ,shrinkage ,mould insects corrosion or depreciation ... Mechanical and electrical breakdown, damage or failure including over winding of watches/clocks ... The Insured’s consequential losses of any kind, be they by way of loss of profit, loss of opportunity business interruption, market loss or otherwise, or any claims arising out of loss of a pure financial nature such as loss of goodwill. ... War, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, military or usurped power or confiscation or nationalization or requisition of or damage to property by or under the order of any government or public local authority. ... this insurance excludes loss, damage cost or expense of whatsoever nature directly or indirectly caused by, resulting from or in connection with any act of terrorism regardless of any other cause or event contributing concurrently or in any other sequence to the loss.","sources":[{"clause":"Section A","heading":"SAFE DEPOSIT LOCKER COVER: SCOPE OF COVER","page":3,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/double-safe-locker-insurance-irdan123rp0006v01202021/document/5032#c-section-a"},{"clause":"1","heading":"Money whilst stored or lying in the Safe Deposit Locker","page":4,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/double-safe-locker-insurance-irdan123rp0006v01202021/document/5032#c-1-2"},{"clause":"2","heading":null,"page":4,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/double-safe-locker-insurance-irdan123rp0006v01202021/document/5032#c-2-2"},{"clause":"3","heading":"Partial Loss of or Damage to Documents","page":4,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/double-safe-locker-insurance-irdan123rp0006v01202021/document/5032#c-3-2"},{"clause":"4","heading":"Loss or Damage to Safe Deposit locker key in the custody and Control of Insured","page":4,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/double-safe-locker-insurance-irdan123rp0006v01202021/document/5032#c-4-2"},{"clause":"5","heading":null,"page":4,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/double-safe-locker-insurance-irdan123rp0006v01202021/document/5032#c-5"},{"clause":"6","heading":null,"page":4,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/double-safe-locker-insurance-irdan123rp0006v01202021/document/5032#c-6"},{"clause":"7","heading":null,"page":4,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/double-safe-locker-insurance-irdan123rp0006v01202021/document/5032#c-7"},{"clause":null,"heading":"GENERAL EXCLUSIONS","page":4,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/double-safe-locker-insurance-irdan123rp0006v01202021/document/5032#c-general-exclusions"},{"clause":"1","heading":"Any event which happened before the start of the policy","page":4,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/double-safe-locker-insurance-irdan123rp0006v01202021/document/5032#c-1-3"},{"clause":"2","heading":null,"page":4,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/double-safe-locker-insurance-irdan123rp0006v01202021/document/5032#c-2-3"},{"clause":"3","heading":null,"page":4,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/double-safe-locker-insurance-irdan123rp0006v01202021/document/5032#c-3-3"},{"clause":"4","heading":null,"page":4,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/double-safe-locker-insurance-irdan123rp0006v01202021/document/5032#c-4-3"},{"clause":"5","heading":null,"page":4,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/double-safe-locker-insurance-irdan123rp0006v01202021/document/5032#c-5-2"},{"clause":"12","heading":null,"page":5,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/double-safe-locker-insurance-irdan123rp0006v01202021/document/5032#c-12"},{"clause":"17","heading":null,"page":5,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/double-safe-locker-insurance-irdan123rp0006v01202021/document/5032#c-17"},{"clause":"19","heading":"TERRORISM DAMAGE EXCLUSION WARRANTY","page":5,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/double-safe-locker-insurance-irdan123rp0006v01202021/document/5032#c-19"}],"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 through its website, toll free number, email or courier to the Manager, Grievance Cell. If dissatisfied or there is a delay of greater than 7 working days, escalate to the Nodal Officer and then the Chief Grievance Officer before approaching the Insurance Ombudsman.","display":"Contact Chola MS Grievance Cell first; then Nodal Officer and Chief Grievance Officer before Ombudsman","note":null,"quote":"In 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 Courier: Manager, Grievance Cell, Chola MS General Insurance Company Limited, Hari Nivas Towers First Floor, #163, Thambu Chetty Street, Parry's Corner, Chennai - 600 001 ... 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. ... In case you are dissatisfied with the response or have not received a response, you may escalate the same to our Nodal Officer - Nodalescalation@cholams.murugappa.com (Quoting the previous Service request number)\n• In case you are still unhappy with the response or have not received a response within 7 working days, you may escalate the same to our Chief Grievance Officer - GRO@cholams.murugappa.com (Quoting the previous Service request number)\n• If after having followed the above steps and your issue still remain unresolved, you may approach the Insurance Ombudsman for Redressal.","sources":[{"clause":"22","heading":"Grievance Resolution","page":10,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/double-safe-locker-insurance-irdan123rp0006v01202021/document/5032#c-22"},{"clause":null,"heading":"Procedure of Grievance Redressal","page":11,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/double-safe-locker-insurance-irdan123rp0006v01202021/document/5032#c-procedure-of-grievance-redressal"},{"clause":null,"heading":"Escalation Matrix","page":11,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/double-safe-locker-insurance-irdan123rp0006v01202021/document/5032#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":["Jewellery and valuables lost, destroyed or damaged by any fortuitous cause other than those specifically excluded whilst stored or lying in the Safe Deposit locker","total loss of documents","Safe Deposit Locker Key for the Insured locker is lost or stolen"],"display":"Jewellery and valuables in the safe deposit locker are covered for loss, destruction or damage by any fortuitous cause other than exclusions; documents are covered for total loss; the locker key is covered if lost or stolen","note":"The optional Jewellery Wear Cover is available only on additional premium and is not included in the base peril answer.","quote":"if during the Policy Period the Jewellery and valuables belonging to the Insured and his/her family members be lost, destroyed or damaged by any fortuitous cause other than those specifically excluded whilst stored or lying in the Safe Deposit locker leased/rented out to the Insured by the Bank under a valid Lease/Rental Agreement , the Company will indemnify the Insured for the loss or damage sustained ... The above cover also extends to cover “documents” on benefit sum Insured basis. In case of total loss of documents, the entire sum insured is payable as a lumpsum. No partial losses are payable. ... if during the Policy Period, the Safe Deposit Locker Key for the Insured locker is lost or stolen, We shall pay you the actual cost of replacing Your Safe Deposit Locker lock and key","sources":[{"clause":"Section A","heading":"SAFE DEPOSIT LOCKER COVER: SCOPE OF COVER","page":3,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/double-safe-locker-insurance-irdan123rp0006v01202021/document/5032#c-section-a"},{"clause":"Section B","heading":"Lock and Key Replacement Cover : SCOPE OF COVER","page":4,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/double-safe-locker-insurance-irdan123rp0006v01202021/document/5032#c-section-b"}],"law":[]},{"key":"deductible","label":"Deductible or excess","section":"Limits and co-pay","meaning":"Amount of each claim you bear.","status":"quote-verified","value":"Nil deductible.","display":"Nil deductible","note":"The policy wording does not state a deductible; the Customer Information Sheet states nil deductible.","quote":"8 | Loss | Nil deductible\nParticipation","sources":[{"clause":null,"heading":"CUSTOMER INFORMATION SHEET","page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/double-safe-locker-insurance-irdan123rp0006v01202021/document/4914#c-customer-information-sheet"}],"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 the policy at any time during the term by informing the Company. The Company refunds proportionate premium for the unexpired policy period if the term is up to one year and no claim has been made during the policy period.","display":"Proportionate premium for unexpired policy period, if term is up to one year and no claim(s) made","note":null,"quote":"i) The insured can cancel the policy at any time during the term, by informing the Company. The Company can cancel the policy only on the grounds of established fraud, by giving minimum notice of 7 days to the insured. ... ii) The company shall 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.","sources":[{"clause":"19(II)(b)(i)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/double-safe-locker-insurance-irdan123rp0006v01202021/document/5032#c-19-ii-b-i"},{"clause":"19(II)(b)(ii)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/double-safe-locker-insurance-irdan123rp0006v01202021/document/5032#c-19-ii-b-ii"}],"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":"Geographical limits are Indian territory unless specified otherwise. The indemnity is restricted to claims brought in India and determined according to Indian law, with payment in Indian Rupees only.","display":"Indian territory unless specified otherwise; claims brought in India and paid in Indian Rupees","note":null,"quote":"Geographical Limits means Indian territory unless specified otherwise ... The indemnity provided under this Policy is restricted to claims brought in India and determined according to Indian law, and the obligation of the Company to make payment shall be to make payment in Indian Rupees only.","sources":[{"clause":null,"heading":"DEFINITIONS","page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/double-safe-locker-insurance-irdan123rp0006v01202021/document/5032#c-definitions"},{"clause":"21","heading":"Territorial Limits","page":10,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/double-safe-locker-insurance-irdan123rp0006v01202021/document/5032#c-21"}],"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 jewellery and valuables belonging to the insured and family members while stored or lying in the bank safe deposit locker, documents on a benefit sum insured basis for total loss, and the actual cost of replacing the safe deposit locker lock and key if the locker key is lost or stolen.","display":"Jewellery, valuables and documents in the safe deposit locker, plus lock and key replacement if the locker key is lost or stolen","note":null,"quote":"if during the Policy Period the Jewellery and valuables belonging to the Insured and his/her family members be lost, destroyed or damaged by any fortuitous cause other than those specifically excluded whilst stored or lying in the Safe Deposit locker leased/rented out to the Insured by the Bank under a valid Lease/Rental Agreement , the Company will indemnify the Insured for the loss or damage sustained ... The above cover also extends to cover “documents” on benefit sum Insured basis. In case of total loss of documents, the entire sum insured is payable as a lumpsum. No partial losses are payable. ... if during the Policy Period, the Safe Deposit Locker Key for the Insured locker is lost or stolen, We shall pay you the actual cost of replacing Your Safe Deposit Locker lock and key","sources":[{"clause":"Section A","heading":"SAFE DEPOSIT LOCKER COVER: SCOPE OF COVER","page":3,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/double-safe-locker-insurance-irdan123rp0006v01202021/document/5032#c-section-a"},{"clause":"Section B","heading":"Lock and Key Replacement Cover : SCOPE OF COVER","page":4,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/double-safe-locker-insurance-irdan123rp0006v01202021/document/5032#c-section-b"}],"law":[]}],"documents":[{"kind":"wording","label":"Double Safe - Locker Insurance - Policy Wording.pdf","pages":16,"fetched_at":"2026-10-17 19:42:41+00","source_url":"https://www.cholainsurance.com/documents/20121/o/Double%20Safe%20-%20Locker%20Insurance%20-%20Policy%20Wording.pdf/aa7de1ea-fdee-62c3-96eb-6fdab4c88967","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/double-safe-locker-insurance-irdan123rp0006v01202021/document/5032"},{"kind":"wording","label":"DOUBLESAFE-Locker Insurance (IRDAI copy)","pages":14,"fetched_at":"2026-10-20 01:33:30+00","source_url":"https://irdai.gov.in/documents/37343/993134/IRDAN123RP0006V01202021_GEN3889.pdf/40f76d20-2eb8-e237-6003-c38f2c5812d6?version=1.1&t=1668328421373&download=true","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/double-safe-locker-insurance-irdan123rp0006v01202021/document/26694"},{"kind":"prospectus","label":"Prospectus-Double Safe Locker Insurance.pdf","pages":8,"fetched_at":"2026-10-17 19:42:14+00","source_url":"https://www.cholainsurance.com/documents/20121/o/Prospectus-Double%20Safe%20Locker%20Insurance.pdf/ef364d8f-8a01-fe09-c2f5-7e689011a484","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/double-safe-locker-insurance-irdan123rp0006v01202021/document/5005"},{"kind":"cis","label":"CIS-Double Safe Locker Insurance.pdf","pages":4,"fetched_at":"2026-10-17 19:40:24+00","source_url":"https://www.cholainsurance.com/documents/20121/o/CIS-Double%20Safe%20Locker%20Insurance.pdf/7beedc19-015a-053b-0072-fe735a0e6d77","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/double-safe-locker-insurance-irdan123rp0006v01202021/document/4914"}],"versions":[],"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":"Double Safe - Locker Insurance (UIN IRDAN123RP0006V01202021), IndiaInsurances, https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/double-safe-locker-insurance-irdan123rp0006v01202021"}