{"uin":"IRDAN125CP0002V01201718","name":"Inherent Defect Insurance Policy","url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/inherent-defect-insurance-policy-irdan125cp0002v01201718","insurer":{"slug":"hdfc-ergo-general-insurance","name":"HDFC ERGO General Insurance Company Limited","url":"https://indiainsurances.com/insurer/hdfc-ergo-general-insurance"},"line":"general","category":"other-general","category_name":"Other general insurance","irdai_type":"Main product","kind":"product","status":"active","approved_on":"2017-09-01","withdrawn_on":null,"summary":"This is an inherent structural defects insurance policy for insured property or building projects. It covers collapse, physical damage or threat caused by inherent structural defects, with a maximum policy period of 10 years and claim decision TAT of 7 days from the survey report.","analysis":{"state":"machine","analysed_at":"2026-10-20 02:39:12.749874+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":"No named plan variants are stated in the provided documents.","quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"not-stated","value":null,"display":null,"note":null,"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":"In the event of Loss, the insured must immediately notify the insurer by telephone or email via the address specified in the Schedule, giving the nature and extent of the Loss, and confirm the advice in writing as soon as possible.","display":"Immediately by telephone or email, and confirm in writing as soon as possible","note":null,"quote":"a) Immediately notify Insurers by telephone or email via the address specified in the Schedule, giving an indication as to the nature and extent of the Loss and confirm such advice in writing as soon as possible;","sources":[{"clause":"15(a)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/inherent-defect-insurance-policy-irdan125cp0002v01201718/document/6895#c-15-a"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Policy/Underwriting documents.","Survey Report with Photographs","Claim Form, duly completed.","Log book / Asset register / Capitalized item list","Repair / Replacement invoices with receipt","All Applicable valid Certificates","Any other relevant documents required based on type of loss"],"display":"Policy/underwriting documents, survey report with photographs, completed claim form, log book/asset register/capitalized item list, repair/replacement invoices with receipt, valid certificates and other relevant documents","note":"Other documents may also be called for based on the nature of claim.","quote":"Processing of Claim: The documents generally required for processing of\nclaims are:\n1. Policy/Underwriting documents.\n2. Survey Report with Photographs\n3. Claim Form, duly completed.\n4. Log book / Asset register / Capitalized item list\n5. Repair / Replacement invoices with receipt\n6. All Applicable valid Certificates\n7. Any other relevant documents required based on type of loss\nApart from above Standard documents some other documents may be called for based on the nature of claim.","sources":[{"clause":null,"heading":"Processing of Claim: The documents generally required for processing of","page":5,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/inherent-defect-insurance-policy-irdan125cp0002v01201718/document/6895#c-processing-of-claim-the-documents-generally-requ"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"quote-verified","value":"The CIS states TATs of surveyor appointment within 24 hours from claim intimation, survey report within 15 days from allotment of survey, and decision of claim to the insured within 7 days from the survey report.","display":"Decision of claim to insured: 7 days from survey report","note":"From the Customer Information Sheet; the policy wording describes claim decision and communication but does not print these TATs.","quote":"Turn Around Time (TAT) in working hours / days - Surveyor appointment- 24 hours from claim intimation - Survey report- 15 days from allotment of survey - Decision of claim to insured - 7 days from survey report","sources":[{"clause":"2(b)(iii)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/inherent-defect-insurance-policy-irdan125cp0002v01201718/document/6774#c-2-b-iii"}],"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":["Inherent defects of material, workmanship, design, plan or specification of Internal Components, Fittings, Installations and Contents or External Components","Use of the Insured Property for any purpose other than that for which it was intended and/or as stated in the Schedule","Inadequate maintenance","Fire, lightning, explosion; Flood, inundation, storm surge, earthquake, tsunami, volcanic eruption, frost, drought","Wind, Precipitation, Groundwater and/or water of any origin, unless the primary cause is collapse of the Insured Property caused by an Inherent Structural Defect","Subsidence, ground heave, landslip, unless the primary cause is an Inherent Structural Defect","Pressure waves caused by aircraft or other aerial devices travelling at subsonic or supersonic speed","Wear and tear, corrosion, oxidation, deterioration, ageing, change in colour or texture, discolouration and/or staining","Alterations of geological conditions suffered after the Date of Issue of the Taking-Over Certificate","Any additions to or alterations or modifications of the Insured Property made after the Date of Issue of the Taking-Over Certificate","Any consequential or economic loss or damage of any kind, including but not limited to loss of use, loss of rent, penalties","Any defect or deficiency referred to as a reservation in the Certificate of Approval; any outstanding work or known defect of which the Insured is aware at the Policy Coverage Inception Date","The use of any unproven and/or non standard and/or innovative material or product, unless certified, made available to the Technical Inspection Service and Insurers, and approved in writing","War and Allied Perils; Extended Nuclear Risks; Willful Acts and Gross Negligence","Terrorism"],"display":"Inherent defects of internal/external components, unintended use, inadequate maintenance, listed perils, wear and tear, later alterations, consequential loss, known defects, unapproved materials, war/nuclear/wilful acts and terrorism","note":null,"quote":"a) Inherent defects of material, workmanship, design, plan or specification of:\ni) Internal Components, Fittings, Installations and Contents;\nii) External Components; ... b) Use of the Insured Property for any purpose other than that for which it was intended and/or as stated in the Schedule including but not limited to loading by any weight greater than that for which the structure of the Insured Property was designed for;\nc) Inadequate maintenance; ... d) Fire, lightning, explosion;\ne) Flood, inundation, storm surge, earthquake, tsunami, volcanic eruption, frost, drought; ... f) Wind, Precipitation, Groundwater and/or water of any origin, unless the primary cause is collapse of the Insured Property caused by an Inherent Structural Defect;\ng) Subsidence, ground heave, landslip, unless the primary cause is an Inherent Structural Defect; ... h) Pressure waves caused by aircraft or other aerial devices travelling at subsonic or supersonic speed;\ni) Wear and tear, corrosion, oxidation, deterioration, ageing, change in colour or texture, discolouration and/or staining; ... j) Alterations of geological conditions, including but not limited to changes of the Groundwater level or flow, whether due to a natural event or manmade, suffered after the Date of Issue of the Taking-Over Certificate;\nk) Any additions to or alterations or modifications of the Insured Property made after the Date of Issue of the Taking-Over Certificate; ... l) Any consequential or economic loss or damage of any kind, including but not limited to loss of use, loss of rent, penalties; ... m) Any defect or deficiency referred to as a reservation in the Certificate of Approval ... n) Any outstanding work or known defect of which the Insured is aware at the Policy Coverage Inception Date ... q) The use of any unproven and/or non standard and/or innovative material or product, unless: ... 1. War and Allied Perils ... 2. Extended Nuclear Risks ... Willful Acts and Gross Negligence ... 4. Terrorism","sources":[{"clause":"5","heading":"Special Exclusions","page":2,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/inherent-defect-insurance-policy-irdan125cp0002v01201718/document/6895#c-5"},{"clause":null,"heading":"1. War and Allied Perils","page":2,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/inherent-defect-insurance-policy-irdan125cp0002v01201718/document/6895#c-1-war-and-allied-perils"},{"clause":null,"heading":"2. Extended Nuclear Risks","page":2,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/inherent-defect-insurance-policy-irdan125cp0002v01201718/document/6895#c-2-extended-nuclear-risks"},{"clause":null,"heading":"Willful Acts and Gross Negligence","page":3,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/inherent-defect-insurance-policy-irdan125cp0002v01201718/document/6895#c-willful-acts-and-gross-negligence"},{"clause":null,"heading":"4. Terrorism","page":3,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/inherent-defect-insurance-policy-irdan125cp0002v01201718/document/6895#c-4-terrorism"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"First contact the Grievance Redressal Officer through the stated phone numbers, grievance email, website, courier to a branch or corporate office, or the designated branch grievance officer. If not satisfied, approach the Complaint & Grievance Redressal Cell or Head of Customer Service, and then the Chief Grievance Officer before the Ombudsman route.","display":"Grievance Redressal Officer first; then C&G Redressal Cell/Head of Customer Service; then Chief Grievance Officer","note":null,"quote":"If you have a grievance that you wish us to redress, you may contact us with the details of your grievance through:\nOur Grievance Redressal Officer\n• Contact us- 022 6158 2020/ 022 6234 6234\n• Emails – grievance@hdfcergo.com ... If you are not satisfied with our redressal of your grievance through one of the above methods, you may contact our Head of Customer Service at\nThe Complaint & Grievance Redressal Cell ... In case you are not satisfied with the response / resolution given / offered by the C&G cell, then you can write to the Chief Grievance Officer of the Company","sources":[{"clause":"21(I)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/inherent-defect-insurance-policy-irdan125cp0002v01201718/document/6895#c-21-i"}],"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":["collapse of or physical damage to the Insured Property or any threat thereof caused by an Inherent Structural Defect","demolition and disposal of debris of the Insured Property in connection with Loss","professional fees, including but not limited to technical consultants' and legal fees","additional costs of repair or replacing and/or strengthening","loss of rent for a limited period, should repairs call for evacuation of the building","water proofing of the terrace for a period of three years post one years of successful application","weather proofing of basement for a period of three years post one years of successful application","failure of the electrical cable but excluding any electrical fittings"],"display":"Collapse, physical damage or threat caused by an inherent structural defect, plus specified debris removal, professional fees, additional repair/strengthening costs and supplementary clauses","note":"Supplementary clauses and conditions list additional limited covers and extensions.","quote":"Insurers shall indemnify the Insured for collapse of or\nphysical damage to the Insured Property or any threat thereof caused by an Inherent Structural Defect of such property, hereafter termed Loss ... costs and expenses necessarily and reasonably incurred in demolition and disposal of debris of the Insured Property in connection with Loss. ... professional fees, including but not limited to technical consultants' and legal fees, necessarily and reasonably incurred in connection with Loss. ... additional costs of repair or replacing and/or strengthening ... Policy covers loss of rent for a limited period, should repairs call for evacuation of the building. ... Policy covers water proofing of the terrace for a period of three years post one years of successful application. ... Policy covers weather proofing of basement for a period of three years post one years of successful application. ... This extension covers failure of the electrical cable but excluding any electrical fittings.","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/inherent-defect-insurance-policy-irdan125cp0002v01201718/document/6895#c-s1"},{"clause":"2","heading":"Demolishing and Removal of Debris","page":2,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/inherent-defect-insurance-policy-irdan125cp0002v01201718/document/6895#c-2"},{"clause":"3","heading":"Professional Fees","page":2,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/inherent-defect-insurance-policy-irdan125cp0002v01201718/document/6895#c-3"},{"clause":"4","heading":"Additional Costs","page":2,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/inherent-defect-insurance-policy-irdan125cp0002v01201718/document/6895#c-4"},{"clause":null,"heading":"1. Loss of Rent for a limited period","page":4,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/inherent-defect-insurance-policy-irdan125cp0002v01201718/document/6895#c-1-loss-of-rent-for-a-limited-period"},{"clause":null,"heading":"2. Water proofing of the Terrace","page":4,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/inherent-defect-insurance-policy-irdan125cp0002v01201718/document/6895#c-2-water-proofing-of-the-terrace"},{"clause":null,"heading":"3. Weatherproofing of basement","page":4,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/inherent-defect-insurance-policy-irdan125cp0002v01201718/document/6895#c-3-weatherproofing-of-basement"},{"clause":null,"heading":"Failure of the electrical cable","page":4,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/inherent-defect-insurance-policy-irdan125cp0002v01201718/document/6895#c-failure-of-the-electrical-cable"}],"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 CIS states loss participation is as per the policy schedule, and the wording refers to deductible adjustment by indexation, but no deductible amount is printed in the provided 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 the policy at any time during the policy term by informing the Company. The Company refunds proportion premium for the unexpired policy period, subject to no claims made during the policy period.","display":"Proportion premium for unexpired policy period, subject to no claim(s) made","note":null,"quote":"The Insured can cancel the policy at any time during the policy 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. The Company shall refund proportion premium for unexpired policy period subject to no claim(s) made during the policy period.","sources":[{"clause":"21","heading":"Cancellation","page":4,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/inherent-defect-insurance-policy-irdan125cp0002v01201718/document/6895#c-21"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"not-stated","value":null,"display":null,"note":"The provided documents do not print a geographic area of cover; schedule-based references are not an answer.","quote":null,"sources":[],"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 the Insured Property, known at policy signing as the Project, for collapse, physical damage or threat caused by an Inherent Structural Defect. The Insured Property comprises Structural Components, with Internal Components, Fittings, Installations and Contents and External Components if any.","display":"Insured Property/Project for collapse, physical damage or threat caused by an Inherent Structural Defect","note":null,"quote":"The property, which at the Policy Signing Date is known as the Project, as\ndefined in the Schedule, comprising: | (v) Wind\n(i) Structural Components | Wind, storm, windstorm, tempest, hurricane, typhoon and/or tornado\n(ii) Internal Components, Fittings, Installations and Contents (if any) INHERENT STRUCTURAL DEFECTS INSURANCE\n(iii) External Components (if any) Insuring Clause ... Insurers shall indemnify the Insured for collapse of or\nphysical damage to the Insured Property or any threat thereof caused by an Inherent Structural Defect of such property","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/inherent-defect-insurance-policy-irdan125cp0002v01201718/document/6895#c-s1"}],"law":[]}],"documents":[{"kind":"wording","label":"HDFC ERGO Inherent Defects Insurance Policy","pages":8,"fetched_at":"2026-10-17 19:53:24+00","source_url":"https://customer-portal-assets.hdfcergo.com/documents/inherent-defects-insurance-(idi)---pw-217147770974.pdf","url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/inherent-defect-insurance-policy-irdan125cp0002v01201718/document/6895"},{"kind":"wording","label":"Inherent Defect Insurance Policy (IRDAI copy)","pages":28,"fetched_at":"2026-10-20 00:35:48+00","source_url":"https://irdai.gov.in/documents/37343/993134/59_GEN1398.pdf/8d175bab-9aa2-7894-993b-3bd1d56ecc56?version=1.2&t=1668331733022&download=true","url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/inherent-defect-insurance-policy-irdan125cp0002v01201718/document/24022"},{"kind":"prospectus","label":"Inherent Defect Insurance Policy","pages":2,"fetched_at":"2026-10-17 19:51:57+00","source_url":"https://customer-portal-assets.hdfcergo.com/assets/v2/docs/default-source/downloads/prospectus/other/31-inherent-defect-insurance---prospectus-618566981151.pdf","url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/inherent-defect-insurance-policy-irdan125cp0002v01201718/document/6820"},{"kind":"cis","label":"Inherent Defect Insurance Policy","pages":6,"fetched_at":"2026-10-17 19:50:48+00","source_url":"https://customer-portal-assets.hdfcergo.com/assets/docs/default-source/downloads/cis/other/inherentdefectinsurancepolicy-795367737782.pdf","url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/inherent-defect-insurance-policy-irdan125cp0002v01201718/document/6774"}],"versions":[{"uin":"IRDAN125P0002V01201718","version":null,"approved_on":null},{"uin":"IRDAN125CP0002V01201718","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"HDFC ERGO General Insurance official website","url":"https://www.hdfcergo.com/","note":"Buy directly from the insurer."},{"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":"insurer","name":"Claim intimation and process","url":"https://www.hdfcergo.com/claim/register-bike-insurance-claim/cashless-claims","note":null},{"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":"insurer","name":"Grievance redressal","url":"https://www.hdfcergo.com/customer-voice/grievances","note":null},{"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."},{"purpose":"renew","kind":"insurer","name":"Renew car insurance","url":"https://www.hdfcergo.com/renew-car-insurance","note":null}],"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":"Inherent Defect Insurance Policy (UIN IRDAN125CP0002V01201718), IndiaInsurances, https://indiainsurances.com/policy/hdfc-ergo-general-insurance/inherent-defect-insurance-policy-irdan125cp0002v01201718"}