{"uin":"IRDAN125RP0003V01202021","name":"HDFC ERGO - Bharat Griha Raksha Policy","url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/hdfc-ergo-bharat-griha-raksha-policy-irdan125rp0003v01202021","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":"home","category_name":"Home insurance","irdai_type":"Main product","kind":"product","status":"active","approved_on":"2021-03-30","withdrawn_on":null,"summary":"HDFC ERGO Bharat Griha Raksha covers home building and/or home contents for listed insured events such as fire, earthquake, flood, riot, terrorism and related theft. Building sum insured is based on prevailing cost of construction, general contents can be built in at 20% of building sum insured subject to Rs. 10 Lakh, and underinsurance does not apply.","analysis":{"state":"machine","analysed_at":"2026-10-20 02:00:18.542725+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, optional covers and add-ons, but do not name plan variants.","quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"You can buy the policy for one year or more than one year, but the policy duration cannot exceed 10 years.","display":"One year or more than one year, up to 10 years","note":"Policy wording defines the policy period by the schedule; this term range is from the prospectus.","quote":"The cover protects You during the period of the policy. You can buy the policy for one year or more than one year but the policy duration cannot exceed 10 years.","sources":[{"clause":null,"heading":"How long does this cover protect me?","page":6,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/hdfc-ergo-bharat-griha-raksha-policy-irdan125rp0003v01202021/document/6565#c-how-long-does-this-cover-protect-me"}],"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":"Give notice to the insurer immediately after physical loss or damage due to an insured event. Submit the claim form at the earliest opportunity, but within 30 days from the date you first notice the loss or damage.","display":"Immediate notice; claim form within 30 days from first notice of loss or damage","note":null,"quote":"As soon as any physical loss or damage occurs to Your Home Building or Home Contents due to an Insured Event, You must immediately give notice to Us of the loss or damage. ... You must submit Your claim in Our claim form at the earliest opportunity, but within 30 days from the date You first notice the loss or damage.","sources":[{"clause":"5(a)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/hdfc-ergo-bharat-griha-raksha-policy-irdan125rp0003v01202021/document/6648#c-5-a-3"},{"clause":"5(a)(i)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/hdfc-ergo-bharat-griha-raksha-policy-irdan125rp0003v01202021/document/6648#c-5-a-i"}],"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":["Our claim form","the Policy Number","Your name","details of report to the police that You made","details of report to any Authority that You made","details of the Insured Event","a brief statement of the loss","particulars of any other insurance of Your Home Building or any of Your Home Contents","details of loss or damage under any Optional Cover or Add-ons","photographs of loss or physical damage, wherever possible","plans, specification books, vouchers, invoices pertaining to costs incurred by You for reconstruction/replacement/ repairs","Death Certificate and Post Mortem report (wherever necessary)"],"display":"Claim form, policy and loss details, police/authority reports, other-insurance details, photographs where possible, repair/reconstruction documents, and PA death documents where applicable","note":null,"quote":"You must state in this notice\ni) the Policy Number,\nii) Your name,\niii) details of report to the police that You made,\niv) details of report to any Authority that You made,\nv) details of the Insured Event,\nvi) a brief statement of the loss,\nvii) particulars of any other insurance of Your Home Building or any of Your Home Contents,\nviii) details of loss or damage under any Optional Cover or Add-ons,\nix) submit photographs of loss or physical damage, wherever possible. ... You must submit Your claim in Our claim form at the earliest opportunity, but within 30 days from the date You first notice the loss or damage. ... You must support Your claim for Home Building and/or Home Contents with plans, specification books, vouchers, invoices pertaining to costs incurred by You for reconstruction/replacement/ repairs. ... For Optional Cover of Personal Accident, Death Certificate and Post Mortem report (wherever necessary) shall be submitted.","sources":[{"clause":"5(c)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/hdfc-ergo-bharat-griha-raksha-policy-irdan125rp0003v01202021/document/6648#c-5-c-3"},{"clause":"5(a)(i)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/hdfc-ergo-bharat-griha-raksha-policy-irdan125rp0003v01202021/document/6648#c-5-a-i"},{"clause":"5(b)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/hdfc-ergo-bharat-griha-raksha-policy-irdan125rp0003v01202021/document/6648#c-5-b-7"},{"clause":"5(c)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/hdfc-ergo-bharat-griha-raksha-policy-irdan125rp0003v01202021/document/6648#c-5-c-4"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"quote-verified","value":"The CIS states surveyor appointment within 24 hours from claim intimation, survey report within 15 days from allotment of survey, and decision of claim to insured within 7 days from survey report.","display":"Surveyor appointment: 24 hours from intimation; survey report: 15 days from allotment; claim decision: 7 days from survey report","note":"From the CIS; the policy wording does not state a claim settlement TAT.","quote":"Turn Around Time (TAT) in working hours / days for claims settlement ○ 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":"14(b)(iii)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/hdfc-ergo-bharat-griha-raksha-policy-irdan125rp0003v01202021/document/6527#c-14-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":["Your deliberate, wilful or intentional act or omission, or of anyone on Your behalf, or with Your connivance.","War, invasion, act of foreign enemy hostilities or war-like operations (whether war is declared or not), civil war, mutiny, civil commotion amounting to a popular rising, military rising, rebellion, revolution, insurrection or military or usurped power.","Ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from combustion of nuclear fuel, or the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component that is part of it.","Pollution or contamination, unless","Loss, damage or destruction to any electrical/electronic machine, apparatus, fixture, or fitting by overrunning, excessive pressure, shortcircuiting, arcing, self- heating or leakage of electricity from whatever cause (lightning included).","Loss or damage to bullion or unset precious stones, manuscripts, plans, drawings, securities, obligations or documents of any kind, coins or paper money, cheques, vehicles, and explosive substances unless otherwise expressly stated in the policy.","Loss of any Insured Property which is missing or has been mislaid, or its disappearance cannot be linked to any single identifiable event.","Loss or damage to any Insured Property removed from Your Home to any other place.","Loss of earnings, loss by delay, loss of market or other consequential or indirect loss or damage of any kind or description whatsoever.","Any reduction in market value of any Insured Property after its repair or reinstatement.","Any addition, extension, or alteration to any structure of Your Home Building that increases its Carpet Area by more than 10% of the Carpet Area existing at the Commencement Date or on the date of renewal of this Policy, unless You have paid additional premium and such addition, extension or alteration is added by Endorsement.","Costs, fees or expenses for preparing any claim."],"display":"Deliberate acts, war, nuclear/radiation, pollution or contamination except stated cases, electrical/electronic damage by overrun/short-circuit etc., bullion/documents/money/vehicles/explosives unless stated, missing/mislaid property, property removed from home, consequential losses, market-value reduction, large unendorsed building additions, and claim preparation costs","note":null,"quote":"Your deliberate, wilful or intentional act or omission, or of anyone on Your behalf, or with Your connivance. ... War, invasion, act of foreign enemy hostilities or war-like operations (whether war is declared or not), civil war, mutiny, civil commotion amounting to a popular rising, military rising, rebellion, revolution, insurrection or military or usurped power. ... Ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from combustion of nuclear fuel, or the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component that is part of it. ... Pollution or contamination, unless ... Loss, damage or destruction to any electrical/electronic machine, apparatus, fixture, or fitting by overrunning, excessive pressure, shortcircuiting, arcing, self- heating or leakage of electricity from whatever cause (lightning included). This exclusion applies only to the particular machine so lost, damaged or destroyed. ... Loss or damage to bullion or unset precious stones, manuscripts, plans, drawings, securities, obligations or documents of any kind, coins or paper money, cheques, vehicles, and explosive substances unless otherwise expressly stated in the policy. ... Loss of any Insured Property which is missing or has been mislaid, or its disappearance cannot be linked to any single identifiable event. ... Loss or damage to any Insured Property removed from Your Home to any other place. ... Loss of earnings, loss by delay, loss of market or other consequential or indirect loss or damage of any kind or description whatsoever. ... Any reduction in market value of any Insured Property after its repair or reinstatement. ... Any addition, extension, or alteration to any structure of Your Home Building that increases its Carpet Area by more than 10% of the Carpet Area existing at the Commencement Date or on the date of renewal of this Policy, unless You have paid additional premium and such addition, extension or alteration is added by Endorsement. ... Costs, fees or expenses for preparing any claim.","sources":[{"clause":"1","heading":null,"page":7,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/hdfc-ergo-bharat-griha-raksha-policy-irdan125rp0003v01202021/document/6648#c-1-6"},{"clause":"2","heading":null,"page":7,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/hdfc-ergo-bharat-griha-raksha-policy-irdan125rp0003v01202021/document/6648#c-2-6"},{"clause":"3","heading":null,"page":8,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/hdfc-ergo-bharat-griha-raksha-policy-irdan125rp0003v01202021/document/6648#c-3-5"},{"clause":"4","heading":"Pollution or contamination, unless","page":8,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/hdfc-ergo-bharat-griha-raksha-policy-irdan125rp0003v01202021/document/6648#c-4-4"},{"clause":"5","heading":null,"page":8,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/hdfc-ergo-bharat-griha-raksha-policy-irdan125rp0003v01202021/document/6648#c-5-4"},{"clause":"6","heading":null,"page":8,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/hdfc-ergo-bharat-griha-raksha-policy-irdan125rp0003v01202021/document/6648#c-6-2"},{"clause":"7","heading":null,"page":8,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/hdfc-ergo-bharat-griha-raksha-policy-irdan125rp0003v01202021/document/6648#c-7-2"},{"clause":"8","heading":null,"page":8,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/hdfc-ergo-bharat-griha-raksha-policy-irdan125rp0003v01202021/document/6648#c-8-2"},{"clause":"9","heading":null,"page":8,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/hdfc-ergo-bharat-griha-raksha-policy-irdan125rp0003v01202021/document/6648#c-9-2"},{"clause":"10","heading":null,"page":8,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/hdfc-ergo-bharat-griha-raksha-policy-irdan125rp0003v01202021/document/6648#c-10-2"},{"clause":"11","heading":null,"page":8,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/hdfc-ergo-bharat-griha-raksha-policy-irdan125rp0003v01202021/document/6648#c-11-2"},{"clause":"12","heading":null,"page":8,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/hdfc-ergo-bharat-griha-raksha-policy-irdan125rp0003v01202021/document/6648#c-12-2"}],"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":"Contact HDFC ERGO through call centre, email, senior-citizen contacts, the designated grievance officer in each branch, website, courier to a branch or corporate office, or the Complaint & Grievance Redressal Cell. If not satisfied, contact the Head of Customer Service, then the Chief Grievance Officer before approaching IRDAI or the Insurance Ombudsman.","display":"First contact HDFC ERGO grievance channels or C&G Redressal Cell; escalate to 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:\n• Call Centre – 022 6158 2020 / 022-6234 6234\n• Emails – grievance@hdfcergo.com\n• Contact Details for Senior Citizens: 022 6242 6226 | Email ID: seniorcitizen@hdfcergo.com\nDesignated Grievance Officer in each branch.\n• Company Website – www.hdfcergo.com\n• Courier - Any of our Branch office or corporate office\nYou may also approach the Complaint & Grievance (C&G) Redressal Cell at any of our branches ... 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 Company at the following address: ... You may also approach the nearest Insurance Ombudsman for resolution, if your grievance is not redressed by the Company.","sources":[{"clause":null,"heading":"K. GRIEVANCES","page":12,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/hdfc-ergo-bharat-griha-raksha-policy-irdan125rp0003v01202021/document/6648#c-k-grievances"},{"clause":null,"heading":"To the Chief Grievance Officer","page":13,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/hdfc-ergo-bharat-griha-raksha-policy-irdan125rp0003v01202021/document/6648#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":["Fire","Explosion or Implosion","Lightning","Earthquake, volcanic eruption, or other convulsions of nature","Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Tsunami, Flood and Inundation","Subsidence of the land on which Your Home Building stands, Landslide, Rockslide","Bush fire, Forest fire, Jungle fire","Impact damage of any kind, i.e., damage caused by impact of, or collision caused by any external physical object (e.g. vehicle, falling trees, aircraft, wall etc.)","Missile testing operations","Riot, Strikes, Malicious Damages","Acts of terrorism (Coverage as per Terrorism Clause attached)","Bursting or overflowing of water tanks, apparatus and pipes.","Leakage from automatic sprinkler installations.","Theft within 7 (seven) days from the occurrence of and proximately caused by any of the above Insured Events."],"display":"Fire; explosion or implosion; lightning; earthquake and other convulsions of nature; storm/flood perils; subsidence/landslide/rockslide; bush/forest/jungle fire; impact damage; missile testing; riot/strikes/malicious damage; terrorism; water tank/pipe bursting or overflowing; sprinkler leakage; and theft within 7 days proximately caused by an insured event","note":null,"quote":"Fire | caused by burning of Insured Property by order of any Public Authority.\nExplosion or Implosion | -\nLightning | -\nEarthquake, volcanic eruption, or other convulsions of nature | -\nStorm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Tsunami, Flood and Inundation | -\nSubsidence of the land on which Your Home Building stands, Landslide, Rockslide | caused by a. normal cracking, settlement or bedding down of new structures, b. the settlement or movement of made up ground, coastal or river erosion, c. defective design or workmanship or use of defective materials, or d. demolition, construction, structural alterations or repair of any property, or e. groundworks or excavations.\nBush fire, Forest fire, Jungle fire | -\nImpact damage of any kind, i.e., damage caused by impact of, or collision caused by any external physical object (e.g. vehicle, falling trees, aircraft, wall etc.) | caused by pressure waves caused by aircraft or other aerial or space devices travelling at sonic or supersonic speeds.\nMissile testing operations | -\nRiot, Strikes, Malicious Damages | caused by a. temporary or permanent dispossession, confiscation, ommandeering, requisition or destruction by order of the government or any lawful authority, or b. temporary or permanent dispossession of Your Home by unlawful occupation by any person.\nActs of terrorism (Coverage as per Terrorism Clause attached) | Exclusions and Excess as per Terrorism Clause attached.\nBursting or overflowing of water tanks, apparatus and pipes. | -\nLeakage from automatic sprinkler installations. | a. repairs or alterations in Your Home or the building in which Your Home is located, b. repairs, removal or extension of any sprinkler installation, or c. defects in the construction known to You.\nTheft within 7 (seven) days from the occurrence of and proximately caused by any of the above Insured Events. | if it is a. of any article or thing outside Your Home, or b. of any article or thing attached from the outside of the outer walls or the roof of Your Home, unless securely mounted.","sources":[{"clause":"B","heading":"INSURED EVENTS","page":3,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/hdfc-ergo-bharat-griha-raksha-policy-irdan125rp0003v01202021/document/6648#c-b-2"}],"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 Fire & allied perils. Terrorism excess is 1% of the claim amount for each and every claim, subject to minimum Rs 10,000 and maximum Rs 5,00,000, applicable only if terrorism cover has been opted.","display":"Nil for Fire & allied perils; terrorism excess 1% of claim, minimum Rs 10,000 and maximum Rs 5,00,000 if opted","note":"Nil fire and allied deductible is stated in the CIS; the terrorism excess is also stated in the terrorism wording.","quote":"Deductible : Nil for Fire & allied perils Terrorism Excess: 1% of the claim amount for each and every claim subject to minimum limit of Rs 10,000/- and maximum limit of Rs 5,00,000/- (applicable only if terrorism cover has been opted) ... Shops & Residential Risks: 1% of the claim amount for each and every claim subject to Minimum of INR 10,000 and Maximum of INR 500,000","sources":[{"clause":"14","heading":"Theft within 7 (seven )days from the occurrence of and","page":2,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/hdfc-ergo-bharat-griha-raksha-policy-irdan125rp0003v01202021/document/6527#c-14"},{"clause":null,"heading":"EXCESS","page":2,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/hdfc-ergo-bharat-griha-raksha-policy-irdan125rp0003v01202021/document/6626#c-excess"}],"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":"You can cancel at any time by informing the insurer. For long-term policies, if there is no claim, the insurer refunds proportionate premium for the unexpired policy period; if there is a claim, there is no refund for the claim year and proportionate premium is refunded for unexpired policy years. For policy duration up to 1 year, proportionate premium for the rest of the policy period is refunded subject to no claims made during the policy period.","display":"Cancel any time; refund is proportionate unexpired premium if no claim, with different rules for long-term policies and up to 1 year","note":null,"quote":"Cancellation by You at any Time You can cancel the policy at any time during the policy term, by in forming Us. For long term policies (policy duration more than 1 year):\nIn case of No claim: We shall refund proportionate premium for the unexpired policy period. In case of claim: No refund shall be made for the year in which claim is made. We shall refund proportionate premium for the unexpired policy years. For policy duration up to 1 year:\nWe shall refund proportion premium for rest of the policy period subject to no claim(s) made during the policy period.","sources":[{"clause":"5","heading":"Make true statements and full disclosure in the claim and related documents","page":9,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/hdfc-ergo-bharat-griha-raksha-policy-irdan125rp0003v01202021/document/6648#c-5-5"}],"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":"not-stated","value":null,"display":null,"note":"The documents provided do not print a geographic territory such as India-only or worldwide for the insurance cover.","quote":null,"sources":[],"law":[]},{"key":"building_cover","label":"Building cover","section":"Cover","meaning":"Cover for the structure and how its value is set.","status":"quote-verified","value":"The policy covers physical loss, damage or destruction of the Home Building due to insured events, including permanent fittings and listed additional structures on the same site. Home Building sum insured is the prevailing Cost of Construction at commencement as declared by you and accepted by the insurer; repairs are reimbursed and total loss pays the Home Building sum insured.","display":"Home Building covered for insured events; includes permanent fittings and listed additional structures; sum insured based on prevailing Cost of Construction","note":null,"quote":"We cover physical loss or damage, or destruction of Your Home Building because of any Insured Event listed in Clause B of this Policy. ... Your Home Building includes\ni) fixtures and fittings permanently attached to the floor, walls or roof, like fixed sanitary fittings, electrical wiring and other permanent fittings.\nii) the following ‘additional structures’ if they are on the same site, and are used as part of Your Home Building: ... The Sum Insured for the Home Building Cover is the prevailing Cost of Construction of Your Home Building at the Commencement Date as declared by You and accepted by Us and will be the maximum amount payable in the event the Home Building is a Total Loss. ... If you make a claim under the policy for damage to Your Home Building due to any of the insured perils, we reimburse the cost to repair it to a condition substantially the same as its condition at the time of damage.","sources":[{"clause":"1","heading":"What we cover","page":5,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/hdfc-ergo-bharat-griha-raksha-policy-irdan125rp0003v01202021/document/6648#c-1-3"},{"clause":null,"heading":"1. Your Home Building","page":5,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/hdfc-ergo-bharat-griha-raksha-policy-irdan125rp0003v01202021/document/6648#c-1-your-home-building"},{"clause":"3(a)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/hdfc-ergo-bharat-griha-raksha-policy-irdan125rp0003v01202021/document/6648#c-3-a"},{"clause":"4","heading":"What we pay","page":5,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/hdfc-ergo-bharat-griha-raksha-policy-irdan125rp0003v01202021/document/6648#c-4-3"}],"law":[]},{"key":"contents_cover","label":"Contents cover","section":"Cover","meaning":"Cover for household goods, jewellery and valuables, and limits.","status":"quote-verified","value":"The policy covers physical loss, damage or destruction of General Contents of the home caused by an insured event. If both Home Building and Home Contents cover are opted, General Contents have a built-in cover equal to 20% of the Home Building sum insured, subject to a maximum of Rs. 10 Lakh; higher General Contents sum insured needs declaration and additional premium. Valuable Contents are not covered unless the optional Valuable Contents cover is purchased on agreed value basis.","display":"General Contents covered for insured events; built-in 20% of Home Building sum insured up to Rs. 10 Lakh if both covers opted; valuables optional on agreed value basis","note":"Valuation certificate requirement is waived only if the Valuable Contents sum insured opted is up to Rs. 5 Lakh and individual item value does not exceed Rs. 1 Lakh.","quote":"We cover the physical loss or damage to ordestruction of the General Contents of Your Home caused by an Insured Event as listed in Clause B of this Policy. Valuable Contents of Your Home are not covered under this Policy unless You have purchased the optional cover for the Valuable Contents. ... The policy has a built-in cover for the General Contents of Your home equal to 20% of the Sum Insured for Home Building Cover subject to a maximum of ` 10 Lakh (Rupees Ten Lakh) provided You have opted for both Home Building and Home Contents cover. If You choose to have a higher Sum Insured for Home Contents, You have to declare the Sum Insured in the Proposal Form and pay additional premium. ... Cover for Valuable Contents on Agreed Value Basis (under Home Contents cover):\nFor Valuable Contents, a value may be agreed upon by You and Us based on a valuation certificate submitted by You and accepted by Us. However, We shall waive the requirement of valuation certificate if the Sum Insured opted for is up to ` 5 Lakh (Rupees Five Lakh) and Individual item value does not exceed 1 Lakh (Rupees One Lakh).","sources":[{"clause":"1","heading":"What We cover","page":6,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/hdfc-ergo-bharat-griha-raksha-policy-irdan125rp0003v01202021/document/6648#c-1-4"},{"clause":"2(b)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/hdfc-ergo-bharat-griha-raksha-policy-irdan125rp0003v01202021/document/6648#c-2-b"},{"clause":"1(a)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/hdfc-ergo-bharat-griha-raksha-policy-irdan125rp0003v01202021/document/6648#c-1-a"}],"law":[]},{"key":"burglary","label":"Burglary and theft","section":"Cover","meaning":"Whether burglary is covered.","status":"quote-verified","value":"The policy lists theft only if it occurs within 7 days from the occurrence of, and is proximately caused by, an insured event. Standalone burglary is not listed as an insured event in the policy wording.","display":"Theft within 7 days of and proximately caused by an insured event is covered; standalone burglary is not listed","note":null,"quote":"We give insurance cover for physical loss or damage, or destruction caused to Insured Property by the following unforeseen events occurring during the Policy Period. The events covered are given in Column A and those not covered in respect of these events are given in Column B ... Theft within 7 (seven) days from the occurrence of and proximately caused by any of the above Insured Events. | if it is a. of any article or thing outside Your Home, or b. of any article or thing attached from the outside of the outer walls or the roof of Your Home, unless securely mounted.","sources":[{"clause":"B","heading":"INSURED EVENTS","page":3,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/hdfc-ergo-bharat-griha-raksha-policy-irdan125rp0003v01202021/document/6648#c-b-2"}],"law":[]},{"key":"rent_loss","label":"Rent and alternative accommodation","section":"Cover","meaning":"Cover for rent lost or a temporary home after damage.","status":"quote-verified","value":"The policy pays loss of rent or rent for alternative accommodation while the Home Building is not fit for living because of physical loss from an insured event, to the extent declared by you and agreed by the insurer. Alternative accommodation must not be superior to the home and must be in the same city; the maximum period is three years from the date the home becomes unfit for living.","display":"Loss of rent and rent for alternative accommodation covered while the Home Building is unfit for living, up to three years","note":"Claim for loss of rent is accepted only if the insurer has accepted the claim for physical damage to the home under Home Building Cover.","quote":"Further, We pay for Loss of rent and Rent for Alternative Accommodation, which will be paid to the extent declared by You and agreed by Us as specified under Clause C(6) of this Policy while Your Home Building is not fit for living following loss or damage due to an insured event. ... We will pay the amount of rent You lose or alternative rent You pay while Your Home Building is not fit for living because of physical loss arising out of an Insured Event ... We will pay the loss under this cover for an accommodation that is not superior to Your Home Building in any way and in the same city as Your Home Building. ... The maximum period of this cover is three years from the date Your Home Building becomes unfit for living.","sources":[{"clause":"1","heading":"What we cover","page":5,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/hdfc-ergo-bharat-griha-raksha-policy-irdan125rp0003v01202021/document/6648#c-1-3"},{"clause":"5","heading":"Loss of Rent and Rent for Alternative Accommodation","page":6,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/hdfc-ergo-bharat-griha-raksha-policy-irdan125rp0003v01202021/document/6648#c-5-3"},{"clause":"5(b)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/hdfc-ergo-bharat-griha-raksha-policy-irdan125rp0003v01202021/document/6648#c-5-b"},{"clause":"5(d)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/hdfc-ergo-bharat-griha-raksha-policy-irdan125rp0003v01202021/document/6648#c-5-d"}],"law":[]},{"key":"sum_insured_basis","label":"Sum insured basis","section":"Cover","meaning":"How the cover amount is set: market value, reinstatement value, agreed value, IDV.","status":"quote-verified","value":"Home Building sum insured is based on the prevailing Cost of Construction at commencement as declared by you and accepted by the insurer. General Contents sum insured is shown in the schedule, with a built-in cover equal to 20% of Home Building sum insured subject to Rs. 10 Lakh when both covers are opted; Valuable Contents can be covered on agreed value basis as an optional cover.","display":"Building: prevailing Cost of Construction; General Contents: schedule amount or built-in 20% of building sum insured up to Rs. 10 Lakh; Valuable Contents: agreed value if opted","note":null,"quote":"The Sum Insured for the Home Building Cover is the prevailing Cost of Construction of Your Home Building at the Commencement Date as declared by You and accepted by Us and will be the maximum amount payable in the event the Home Building is a Total Loss. ... The Sum Insured for the Home Contents Cover is shown in the Policy Schedule and will be the maximum amount payable in the event the Home Contents are destroyed/lost completely. ... The policy has a built-in cover for the General Contents of Your home equal to 20% of the Sum Insured for Home Building Cover subject to a maximum of ` 10 Lakh (Rupees Ten Lakh) provided You have opted for both Home Building and Home Contents cover. ... Cover for Valuable Contents on Agreed Value Basis (under Home Contents cover):\nFor Valuable Contents, a value may be agreed upon by You and Us based on a valuation certificate submitted by You and accepted by Us.","sources":[{"clause":"3(a)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/hdfc-ergo-bharat-griha-raksha-policy-irdan125rp0003v01202021/document/6648#c-3-a"},{"clause":"2(a)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/hdfc-ergo-bharat-griha-raksha-policy-irdan125rp0003v01202021/document/6648#c-2-a"},{"clause":"2(b)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/hdfc-ergo-bharat-griha-raksha-policy-irdan125rp0003v01202021/document/6648#c-2-b"},{"clause":"1(a)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/hdfc-ergo-bharat-griha-raksha-policy-irdan125rp0003v01202021/document/6648#c-1-a"}],"law":[]},{"key":"under_insurance","label":"Under-insurance (average) clause","section":"Limits and co-pay","meaning":"If the sum insured is less than the real value, claims are cut in proportion.","status":"quote-verified","value":"Underinsurance does not apply. If the sum insured calculated on the basis of information provided by you is less than the actual value at risk, the difference will not affect the amount paid.","display":"Underinsurance does not apply","note":null,"quote":"Underinsurance does not apply to the Bharat Griha Raksha Policy. Thus, if Your Sum Insured calculated on the basis of the information that You provided, is less than the actual value at risk, the difference will not affect the amount We pay.","sources":[{"clause":"I","heading":"WAIVER OF UNDERINSURANCE","page":12,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/hdfc-ergo-bharat-griha-raksha-policy-irdan125rp0003v01202021/document/6648#c-i"}],"law":[]}],"documents":[{"kind":"wording","label":"Bharat Griha Raksha Plus - Long Term - Terrorism Wording","pages":3,"fetched_at":"2026-10-17 19:47:08+00","source_url":"https://customer-portal-assets.hdfcergo.com/documents/5.bgr---terrorism-wording-740467532511.pdf","url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/hdfc-ergo-bharat-griha-raksha-policy-irdan125rp0003v01202021/document/6626"},{"kind":"wording","label":"Bharat Griha Raksha Plus - Long Term - Special Clause wording","pages":1,"fetched_at":"2026-10-17 19:47:13+00","source_url":"https://customer-portal-assets.hdfcergo.com/documents/3.bharat-griha-raksha-plus---long-term---special-clause-wording-2-508314330764.pdf","url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/hdfc-ergo-bharat-griha-raksha-policy-irdan125rp0003v01202021/document/6629"},{"kind":"wording","label":"Bharat Griha Raksha -Special Clause","pages":1,"fetched_at":"2026-10-17 19:47:21+00","source_url":"https://customer-portal-assets.hdfcergo.com/documents/6.bharat-griha-raksha-special-clause-587521583345.pdf","url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/hdfc-ergo-bharat-griha-raksha-policy-irdan125rp0003v01202021/document/6634"},{"kind":"wording","label":"Bharat Griha Raksha","pages":16,"fetched_at":"2026-10-17 19:47:29+00","source_url":"https://customer-portal-assets.hdfcergo.com/documents/8.bgr-pw-793669580569.pdf","url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/hdfc-ergo-bharat-griha-raksha-policy-irdan125rp0003v01202021/document/6648"},{"kind":"wording","label":"HDFC ERGO - Bharat Griha Raksha (IRDAI copy)","pages":21,"fetched_at":"2026-10-20 01:35:22+00","source_url":"https://irdai.gov.in/documents/37343/993134/IRDAN125RP0003V01202021_GEN3978.pdf/0e292726-baf4-70e5-c9f7-66becc7169dd?version=1.1&t=1668233842502&download=true","url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/hdfc-ergo-bharat-griha-raksha-policy-irdan125rp0003v01202021/document/26774"},{"kind":"prospectus","label":"Bharat Griha Raksha","pages":14,"fetched_at":"2026-10-17 19:45:38+00","source_url":"https://customer-portal-assets.hdfcergo.com/documents/13.bgr-prospectus-721607428696.pdf","url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/hdfc-ergo-bharat-griha-raksha-policy-irdan125rp0003v01202021/document/6565"},{"kind":"cis","label":"HDFC ERGO - Bharat Griha Raksha","pages":7,"fetched_at":"2026-10-17 19:44:34+00","source_url":"https://customer-portal-assets.hdfcergo.com/documents/18.CIS-BGR-174325154953.pdf","url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/hdfc-ergo-bharat-griha-raksha-policy-irdan125rp0003v01202021/document/6527"},{"kind":"brochure","label":"HDFC ERGO - Bharat Griha Raksha Policy","pages":12,"fetched_at":"2026-10-17 19:39:23+00","source_url":"https://customer-portal-assets.hdfcergo.com/documents/griha-brochure-uid-7869-416415238450.pdf","url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/hdfc-ergo-bharat-griha-raksha-policy-irdan125rp0003v01202021/document/6353"},{"kind":"brochure","label":"HDFC ERGO - Bharat Griha Raksha Policy Tamil","pages":12,"fetched_at":"2026-10-17 19:39:28+00","source_url":"https://customer-portal-assets.hdfcergo.com/assets/v2/docs/default-source/downloads/brochures/bgr-tamil-964110296102.pdf","url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/hdfc-ergo-bharat-griha-raksha-policy-irdan125rp0003v01202021/document/6355"}],"versions":[{"uin":"GEN3978","version":null,"approved_on":null},{"uin":"IRDAN125RP0003V01202021","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":"HDFC ERGO - Bharat Griha Raksha Policy (UIN IRDAN125RP0003V01202021), IndiaInsurances, https://indiainsurances.com/policy/hdfc-ergo-general-insurance/hdfc-ergo-bharat-griha-raksha-policy-irdan125rp0003v01202021"}