{"uin":"IRDAN125RP0003V01201819","name":"e@Secure Insurance","url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/e-secure-insurance-irdan125rp0003v01201819","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":"2018-07-30","withdrawn_on":null,"summary":"e@Secure Insurance provides indemnity protection for individual customers against online breach arising directly from internet use by third parties. It covers legal protection and specified cyber events including damage to e-reputation, identity theft, unauthorized online transactions, e-extortion, cyber bullying, phishing and e-mail spoofing.","analysis":{"state":"machine","analysed_at":"2026-10-20 02:37:48.717877+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 covers and optional extensions, 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":"not-stated","value":null,"display":null,"note":"The policy defines the Period of Insurance by reference to the Policy Schedule and does not print a fixed policy term.","quote":null,"sources":[],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"Written notice with a duly filled claim form must be given to the insurer within 7days after the claim is first made.","display":"Written notice with duly filled claim form within 7days after such claim is first made","note":null,"quote":"In the event of a claim, and to report a claim upon discovery of an occurrence of a Specified Event, You must give written notice to Us along with duly filled claim form at the address set forth in item 7 of the Policy Schedule with full details thereof, within 7days after such claim is first made.","sources":[{"clause":"8","heading":"Claims","page":6,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/e-secure-insurance-irdan125rp0003v01201819/document/6922#c-8-3"}],"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":["Submission of fully completed and signed claim form","Copy of FIR lodged with Police Authorities / Cyber cell","Copies of legal notice received from any affected person/ entity","Copies of summon received from any court in respect of a suit filed by an affected party/entity","Copies of invoices for expenses You incurred for the services of IT specialist","Copies of invoices for expenses You incurred in amending/ rectifying Your Personal Information","Evidence of Your consultation with Psychologist / Psychiatrist","Evidence of unpaid wages","Copy of Your last drawn monthly salary.","Evidence of expenses incurred by You in rectifying records regarding your identity","Copies of correspondence with bank evidencing that bank is not reimbursing You"],"display":"Claim form, FIR, legal notices and summons, invoices, psychologist/psychiatrist evidence, unpaid wage and salary evidence, identity-rectification expense evidence, and bank correspondence","note":null,"quote":"including but not limited to:\na) Submission of fully completed and signed claim form\nb) Copy of FIR lodged with Police Authorities / Cyber cell\nc) Copies of legal notice received from any affected person/ entity\nd) Copies of summon received from any court in respect of a suit filed by an affected party/entity\ne) Copies of invoices for expenses You incurred for the services of IT specialist\nf) Copies of invoices for expenses You incurred in amending/ rectifying Your Personal Information\ng) Evidence of Your consultation with Psychologist / Psychiatrist\nh) Evidence of unpaid wages\ni) Copy of Your last drawn monthly salary.\nj) Evidence of expenses incurred by You in rectifying records regarding your identity\nk) Copies of correspondence with bank evidencing that bank is not reimbursing You","sources":[{"clause":"8","heading":"Claims","page":6,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/e-secure-insurance-irdan125rp0003v01201819/document/6922#c-8-3"}],"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":"conflicting","value":"On receipt of all required relevant and necessary information/documents, the insurer shall within 30 days offer settlement or reject the claim in writing; if not settled within 30 days, interest is payable at 2% above the Bank Rate from receipt of the last relevant and necessary document until actual payment.","display":"30 days from receipt of all required information/documents; interest at 2% above the Bank Rate if not settled within 30 days","note":"The CIS says: \"Decision of claim to insured - 7 days from survey report\".","quote":"On receipt of all required information/documents that can be considered relevant and necessary for the claim, We shall, with in a period of 30 days offer a settlement of the claim to You. If, for any reasons to be recorded in writing and communicated to You, We decide to reject a claim under the policy, it shall be within a period of 30 days from the receipt of all required information/documents that are relevant and necessary for the claim.\n• In the event the claim is not settled within 30 days as stipulated above, We shall be liable to pay interest at a rate, which is 2% above the Bank Rate from the date of receipt of last relevant and necessary document from You by Us till the date of actual payment. ... Decision of claim to insured - 7 days from survey report","sources":[{"clause":"8","heading":"Claims","page":6,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/e-secure-insurance-irdan125rp0003v01201819/document/6922#c-8-3"},{"clause":null,"heading":"HDFC ERGO General Insurance Company Limited Customer Information Sheet","page":2,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/e-secure-insurance-irdan125rp0003v01201819/document/6748#c-hdfc-ergo-general-insurance-company-limited-cust-2"}],"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":["Loss that occurs within the first forty – five (45) days of the inception date of this insurance cover.","Event that occurs within the first 45 (forty five) days of the inception date of this insurance cover.","Your failure to take due care and precaution to safe guard Your Personal Information, Bank Accounts and/or Credit/Debit Cards information and internet communication.","Deliberate, fraudulent, Illegal or malicious acts or failure to act by You or intentional or knowing violation of any duty, obligation, contract, law or regulation by You.","Facts or circumstances existing prior to the commencement of this cover, which You knew or ought to have reasonably known to be facts or circumstances likely to give rise to a claim.","Your business activities (including but not limited to e-trading and blogging where You receive remuneration or benefits in any form), Occupation or political affiliations.","Any unexplained loss or mysterious disappearance.","Consequential loss or damage of any kind including loss suffered by any Third Party.","Any claim in connection with the ownership, driving or use of a motor vehicle.","Losses arising from the theft, disappearance, loss of value or inaccessibility of any cryptocurrency”","Any claim reported to Us more than six (6) months after the occurrence of the Specified Event.","Any damage to or destruction of any tangible property, including loss of use thereof.","Any actual or alleged plagiarism or infringement of any Trade Secrets, patents, trademarks, trade names, copyrights, licenses or any other form of intellectual property.","Reimbursement by the bank for the transaction.","Phishing resulting in revelation of personal information including passwords"],"display":"Main exclusions include 45-day waiting exclusions for some sections, failure to safeguard information, deliberate or illegal acts, prior facts, business activities, intentional loss, unexplained loss, consequential loss, motor vehicle claims, cryptocurrency losses, late reporting after six months, tangible property damage, intellectual property claims, bank-reimbursed transactions, and phishing that only reveals personal information.","note":null,"quote":"Loss that occurs within the first forty – five (45) days of the inception date of this insurance cover. ... Event that occurs within the first 45 (forty five) days of the inception date of this insurance cover. ... Your failure to take due care and precaution to safe guard Your Personal Information, Bank Accounts and/or Credit/Debit Cards information and internet communication. ... Deliberate, fraudulent, Illegal or malicious acts or failure to act by You or intentional or knowing violation of any duty, obligation, contract, law or regulation by You. ... Facts or circumstances existing prior to the commencement of this cover, which You knew or ought to have reasonably known to be facts or circumstances likely to give rise to a claim. ... Your business activities (including but not limited to e-trading and blogging where You receive remuneration or benefits in any form), Occupation or political affiliations. ... Any unexplained loss or mysterious disappearance. ... Consequential loss or damage of any kind including loss suffered by any Third Party. ... Any claim in connection with the ownership, driving or use of a motor vehicle. ... Losses arising from the theft, disappearance, loss of value or inaccessibility of any cryptocurrency” ... Any claim reported to Us more than six (6) months after the occurrence of the Specified Event. ... Any damage to or destruction of any tangible property, including loss of use thereof. ... Any actual or alleged plagiarism or infringement of any Trade Secrets, patents, trademarks, trade names, copyrights, licenses or any other form of intellectual property. ... Reimbursement by the bank for the transaction. ... Phishing resulting in revelation of personal information including passwords","sources":[{"clause":"2","heading":"You lodge an FIR within Seventy – two (72) hours upon","page":1,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/e-secure-insurance-irdan125rp0003v01201819/document/6922#c-2-2"},{"clause":"2","heading":"You lodge an FIR detailing the perpetrators or in event","page":3,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/e-secure-insurance-irdan125rp0003v01201819/document/6922#c-2-5"},{"clause":"1","heading":"Your failure to take due care and precaution to safe","page":5,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/e-secure-insurance-irdan125rp0003v01201819/document/6922#c-1-8"},{"clause":"2","heading":"Deliberate, fraudulent, Illegal or malicious acts or failure","page":5,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/e-secure-insurance-irdan125rp0003v01201819/document/6922#c-2-8"},{"clause":"3","heading":"Facts or circumstances existing prior to the commencement","page":5,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/e-secure-insurance-irdan125rp0003v01201819/document/6922#c-3-5"},{"clause":"4","heading":"Your business activities (including but not limited to","page":5,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/e-secure-insurance-irdan125rp0003v01201819/document/6922#c-4-4"},{"clause":"6","heading":null,"page":5,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/e-secure-insurance-irdan125rp0003v01201819/document/6922#c-6-2"},{"clause":"8","heading":"Consequential loss or damage of any kind including loss","page":5,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/e-secure-insurance-irdan125rp0003v01201819/document/6922#c-8-2"},{"clause":"9","heading":"Any claim in connection with the ownership, driving or use","page":5,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/e-secure-insurance-irdan125rp0003v01201819/document/6922#c-9-2"},{"clause":"12","heading":"Losses arising from the theft, disappearance, loss of value","page":5,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/e-secure-insurance-irdan125rp0003v01201819/document/6922#c-12-2"},{"clause":"13","heading":"Any claim reported to Us more than six (6) months after","page":5,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/e-secure-insurance-irdan125rp0003v01201819/document/6922#c-13-2"},{"clause":"14","heading":null,"page":5,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/e-secure-insurance-irdan125rp0003v01201819/document/6922#c-14-2"},{"clause":"16","heading":"Any actual or alleged plagiarism or infringement of","page":5,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/e-secure-insurance-irdan125rp0003v01201819/document/6922#c-16-2"},{"clause":"5","heading":null,"page":2,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/e-secure-insurance-irdan125rp0003v01201819/document/6922#c-5"},{"clause":"3","heading":"In event of Email Spoofing, the onus is on You to prove","page":3,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/e-secure-insurance-irdan125rp0003v01201819/document/6922#c-3-4"}],"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 HDFC ERGO through its grievance contacts, designated branch Grievance Officer or Complaint & Grievance Redressal Cell. If not satisfied, contact the Head of Customer Service and then the Chief Grievance Officer before approaching IRDAI Bima Bharosa or the Insurance Ombudsman.","display":"Contact HDFC ERGO grievance channels first; escalate to Head of Customer Service and 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:\n• Contact us- 022 6158 2020/ 022 6234 6234\n• Emails – grievance@hdfcergo.com\n• Designated Grievance Officer in each branch.\n• Company Website – www.hdfcergo.com\n• Courier : Any of our Branch office or corporate office You may also approach the Complaint & Grievance (C&G) Redressal Cell at any of our branches with the details of your grievance during our working hours from Monday to Friday. 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 ... 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 the Company at the following address ... HDFC ERGO General Insurance The Company Limited D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West), Mumbai - 400078, Maharashtra e-mail: cgo@hdfcergo.com","sources":[{"clause":null,"heading":"GRIEVANCE REFRESSAL PROCEDURE","page":7,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/e-secure-insurance-irdan125rp0003v01201819/document/6922#c-grievance-refressal-procedure"},{"clause":null,"heading":"To the Chief Grievance Officer","page":7,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/e-secure-insurance-irdan125rp0003v01201819/document/6922#c-to-the-chief-grievance-officer"}],"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":["LEGAL PROTECTION","Damage to E-reputation","Identity Theft","Unauthorized Online Transactions","E-Extortion","Cyber Bullying","Phishing and E-mail Spoofing"],"display":"Legal Protection; Damage to E-reputation; Identity Theft; Unauthorized Online Transactions; E-Extortion; Cyber Bullying; Phishing and E-mail Spoofing","note":null,"quote":"Section 1 LEGAL PROTECTION ... Specified Event : An occurrence of one or more of these covered events which arises out of the use of the internet and that is attributed to the conduct of a Third Party and is not due to Your fault:\na) Damage to E-reputation\nb) Identity Theft\nc) Unauthorized Online Transactions\nd) E-Extortion\ne) Cyber Bullying\nf) Phishing and E-mail Spoofing","sources":[{"clause":"Section 1","heading":"LEGAL PROTECTION","page":1,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/e-secure-insurance-irdan125rp0003v01201819/document/6922#c-section-1"},{"clause":"20","heading":"Specified Event : An occurrence of one or more of these","page":4,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/e-secure-insurance-irdan125rp0003v01201819/document/6922#c-20"}],"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 for limit of indemnity up to Rs. 500,000; Rs.3500 deductible above Rs. 500,000.","display":"Limit of indemnity up to Rs. 500,000 – Nil deductible; above Rs. 500,000 – Rs.3500","note":"The policy wording states the insurer is liable only in excess of the deductible stated in the Policy Schedule; the prospectus prints the slab.","quote":"Limit of indemnity up to Rs. 500,000 – Nil deductible Above Rs. 500,000\n– Rs.3500","sources":[{"clause":null,"heading":"DEDUCTIBLE","page":2,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/e-secure-insurance-irdan125rp0003v01201819/document/6846#c-deductible"}],"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 having been made during the policy period.","display":"Cancel any time; proportion premium refund for unexpired policy period if 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":"4","heading":"Fraud","page":5,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/e-secure-insurance-irdan125rp0003v01201819/document/6922#c-4-5"}],"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":"conflicting","value":"The policy applies to any loss incurred or claims made in India, unless otherwise stated in the schedule.","display":"India, unless otherwise stated in the schedule","note":"The prospectus says: \"Worldwide cover.\"","quote":"this policy shall apply to any Loss incurred or claims made in India, unless otherwise stated in the schedule. ... Worldwide cover.","sources":[{"clause":"16","heading":"Territorial scope","page":7,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/e-secure-insurance-irdan125rp0003v01201819/document/6922#c-16-3"},{"clause":null,"heading":"BENEFITS OF BUYING THIS POLICY","page":2,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/e-secure-insurance-irdan125rp0003v01201819/document/6846#c-benefits-of-buying-this-policy"}],"law":[]},{"key":"subject_covered","label":"What is insured","section":"Cover","meaning":"The thing or risk this policy covers.","status":"quote-verified","value":"The policy protects the insured against loss or damage during the Period of Insurance that arises directly from internet use and results in specified events.","display":"Loss or damage arising directly from use of the internet and resulting in Specified Events","note":null,"quote":"This Policy provides protection for You against loss or damage during the Period of Insurance which arises directly from the use of the internet and results in the occurrence of Specified Events.","sources":[{"clause":null,"heading":"INSURING CLAUSE","page":1,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/e-secure-insurance-irdan125rp0003v01201819/document/6922#c-insuring-clause"}],"law":[]}],"documents":[{"kind":"wording","label":"E@Secure Insurance Policy","pages":10,"fetched_at":"2026-10-17 19:53:54+00","source_url":"https://customer-portal-assets.hdfcergo.com/documents/esecure-insurance-policy-75385407206.pdf","url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/e-secure-insurance-irdan125rp0003v01201819/document/6922"},{"kind":"wording","label":"e@Secure Insurance (IRDAI copy)","pages":17,"fetched_at":"2026-10-20 00:35:51+00","source_url":"https://irdai.gov.in/documents/37343/993134/IRDAN125P0003V01201819_GEN2437.pdf/839de03a-a52a-5d35-1589-4ff7ccb50279?version=1.1&t=1668590220149&download=true","url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/e-secure-insurance-irdan125rp0003v01201819/document/23994"},{"kind":"prospectus","label":"E@Secure Insurance","pages":3,"fetched_at":"2026-10-17 19:52:30+00","source_url":"https://customer-portal-assets.hdfcergo.com/assets/v2/docs/default-source/downloads/prospectus/e@secure-insurance-890669878405.pdf","url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/e-secure-insurance-irdan125rp0003v01201819/document/6846"},{"kind":"cis","label":"e@Secure Insurance","pages":6,"fetched_at":"2026-10-17 19:50:10+00","source_url":"https://customer-portal-assets.hdfcergo.com/assets/docs/default-source/downloads/cis/other/esecureinsurance-42996005998.pdf","url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/e-secure-insurance-irdan125rp0003v01201819/document/6748"}],"versions":[{"uin":"IRDAN125P0003V01201819","version":null,"approved_on":null},{"uin":"IRDAN125RP0003V01201819","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":"e@Secure Insurance (UIN IRDAN125RP0003V01201819), IndiaInsurances, https://indiainsurances.com/policy/hdfc-ergo-general-insurance/e-secure-insurance-irdan125rp0003v01201819"}