{"uin":"IRDAN125RP0034V01202223","name":"Object Insurance","url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/object-insurance-irdan125rp0034v01202223","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":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Object Insurance indemnifies loss or damage to insured physical objects up to the sum insured for selected covers such as screen damage, liquid damage, accidental damage, theft, burglary or robbery, and extended warranty. The base geographical cover is India, with worldwide coverage available on additional premium.","analysis":{"state":"machine","analysed_at":"2026-10-20 03:50:05.690943+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":null,"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 wording points to the Policy Schedule / Certificate of Insurance for the commencement and expiry dates, but 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":"Intimate the insurer as soon as reasonably possible, within 7 days from the date of the incident. A detailed intimation of loss or damage must be delivered within 15 days from the date on which the event came to the insured's knowledge.","display":"Within 7 days from the incident; detailed intimation within 15 days from knowledge","note":null,"quote":"a) Intimate us as soon as reasonably possible, but in any event within 7 days from the date of the incident. ... b) The Insured shall deliver to the Company, within 15 days of the date on which the event shall have come to his knowledge, a detailed intimation of the loss or damage, with an estimate of the intrinsic value of the Object lost and the amount of damage sustained, respectively.","sources":[{"clause":"Section 5(a)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/object-insurance-irdan125rp0034v01202223/document/6937#c-section-5-a"},{"clause":"2(b)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/object-insurance-irdan125rp0034v01202223/document/6937#c-2-b"}],"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":["Duly filled and signed Claim Form","Original Policy Document (Wherever applicable)","Insured Person’s own Indian bank cancelled cheque copy and bank details in attached format","Invoice of the Insured Object(s)/Proof of ownership, care or custody (Wherever applicable)","P r e a n d P o s t e v e n t Photograph and/or Video Recording, if taken","Original Repair /Replacement Bills with receipt","complaint/FIR with the police","Tr a n s i t i n v o i c e f r o m registered carrier/transit service provider"],"display":"Claim form, original policy document where applicable, bank details, invoice/proof of ownership, photos/videos if taken, repair or replacement bills, FIR/complaint for theft/robbery/burglary, and transit invoice for Transit Cover","note":null,"quote":"All Covers | • Duly filled and signed Claim Form • Original Policy Document (Wherever applicable) • Insured Person’s own Indian bank cancelled cheque copy and bank details in attached format ... Covers other than EMI Protect | • Invoice of the Insured Object(s)/Proof of ownership, care or custody (Wherever applicable) • P r e a n d P o s t e v e n t Photograph and/or Video Recording, if taken • Original Repair /Replacement Bills with receipt ... c) Lodge a complaint/FIR with the police regarding this incident, where the claim is made under Theft, Robbery or Burglary. ... Transit Cover | • Tr a n s i t i n v o i c e f r o m registered carrier/transit service provider","sources":[{"clause":"2(g)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/object-insurance-irdan125rp0034v01202223/document/6937#c-2-g"},{"clause":"2(c)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/object-insurance-irdan125rp0034v01202223/document/6937#c-2-c"},{"clause":"Section 5(a)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/object-insurance-irdan125rp0034v01202223/document/6937#c-section-5-a"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":["Any loss or damage due to Misplacement or unexplained disappearance of Insured Object.","Any loss or damage caused by Electrical, Mechanical and Electronic breakdown of Insured Object.","Any loss or damage to any accessories related to the Insured Object.","Any loss or damage to an Object in care or custody of Insured, but not owned by Insured Person.","Any liability covered under any other underlying insurance policy which is primary in nature.","Damage caused by any process of cleaning, dyeing or bleaching, restoring, repairing or renovation or deterioration arising from wear and tear, moth, insects, vermin, pets, animals, moth, fungus, pests rodents, insects or mildew, corrosion, rust, atmospheric or climatic conditions or any other gradually operating causes.","Any loss or damage occurred prior to inception of the Policy.","Cracking, scratching, denting chipping or breakage or any other aesthetic defects not affecting the operation or function of the Insured Object.","Faulty material, faulty workmanship or latent defect.","Any loss or damage for which the manufacturer or seller of the Insured Object or any other third party is responsible either by law or under contract.","Theft from any car, except car of fully enclosed type having at the time all the doors, windows and other openings securely locked.","Any loss or damage whether direct or indirect arising from war, war like operations, act of foreign enemy, hostilities (whether war be declared or not) civil war, rebellion, insurrection, civil commotion, military or usurped power, seizure, capture confiscation, arrests, restraints and detainment by the order of any Government or any other authority.","Any repairs performed outside India.","Consequential loss or legal liability of any kind.","this policy does not cover any claim, loss, liability, damage, cost or expense of any kind relating to, whether directly or indirectly and/or in whole or in part, a Communicable Disease and/or any fear or threat thereof"],"display":"Misplacement or unexplained disappearance; electrical, mechanical and electronic breakdown; accessories; objects in insured's care but not owned; primary insurance liability; cleaning, repair, wear and tear and gradual causes; prior losses; aesthetic defects; faulty material or workmanship; manufacturer or seller responsibility; theft from unlocked/open car; war and similar events; repairs outside India; consequential loss or legal liability; communicable disease related claims","note":null,"quote":"Misplacement: Any loss or damage due to Misplacement or unexplained disappearance of Insured Object. ... Electrical, Mechanical and Electronic breakdown: Any loss or damage caused by Electrical, Mechanical and Electronic breakdown of Insured Object. ... Accessories Cover: Any loss or damage to any accessories related to the Insured Object. ... Object held in trust: Any loss or damage to an Object in care or custody of Insured, but not owned by Insured Person. ... Any liability covered under any other underlying insurance policy which is primary in nature. ... Damage caused by any process of cleaning, dyeing or bleaching, restoring, repairing or renovation or deterioration arising from wear and tear, moth, insects, vermin, pets, animals, moth, fungus, pests rodents, insects or mildew, corrosion, rust, atmospheric or climatic conditions or any other gradually operating causes. ... Any loss or damage occurred prior to inception of the Policy. ... Cracking, scratching, denting chipping or breakage or any other aesthetic defects not affecting the operation or function of the Insured Object. ... Faulty material, faulty workmanship or latent defect. ... Any loss or damage for which the manufacturer or seller of the Insured Object or any other third party is responsible either by law or under contract. ... Theft from any car, except car of fully enclosed type having at the time all the doors, windows and other openings securely locked. ... Any loss or damage whether direct or indirect arising from war, war like operations, act of foreign enemy, hostilities (whether war be declared or not) civil war, rebellion, insurrection, civil commotion, military or usurped power, seizure, capture confiscation, arrests, restraints and detainment by the order of any Government or any other authority. ... Any repairs performed outside India. ... Consequential loss or legal liability of any kind. ... this policy does not cover any claim, loss, liability, damage, cost or expense of any kind relating to, whether directly or indirectly and/or in whole or in part, a Communicable Disease and/or any fear or threat thereof","sources":[{"clause":"2","heading":"Misplacement: Any loss or damage due to Misplacement","page":6,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/object-insurance-irdan125rp0034v01202223/document/6937#c-2-2"},{"clause":"3","heading":"Electrical, Mechanical and Electronic breakdown: Any","page":6,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/object-insurance-irdan125rp0034v01202223/document/6937#c-3-2"},{"clause":"4","heading":"Accessories Cover: Any loss or damage to any","page":6,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/object-insurance-irdan125rp0034v01202223/document/6937#c-4-2"},{"clause":"6","heading":"Object held in trust: Any loss or damage to an Object","page":6,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/object-insurance-irdan125rp0034v01202223/document/6937#c-6-2"},{"clause":"1","heading":"Any liability covered under any other underlying insurance","page":6,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/object-insurance-irdan125rp0034v01202223/document/6937#c-1-3"},{"clause":"2","heading":"Damage caused by any process of cleaning, dyeing","page":6,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/object-insurance-irdan125rp0034v01202223/document/6937#c-2-3"},{"clause":"3","heading":"Any loss or damage occurred prior to inception of the","page":7,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/object-insurance-irdan125rp0034v01202223/document/6937#c-3-3"},{"clause":"4","heading":"Cracking, scratching, denting chipping or breakage or","page":7,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/object-insurance-irdan125rp0034v01202223/document/6937#c-4-3"},{"clause":"5","heading":null,"page":7,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/object-insurance-irdan125rp0034v01202223/document/6937#c-5-3"},{"clause":"6","heading":"Any loss or damage for which the manufacturer or seller of","page":7,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/object-insurance-irdan125rp0034v01202223/document/6937#c-6-3"},{"clause":"10","heading":"Theft from any car, except car of fully enclosed type having","page":7,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/object-insurance-irdan125rp0034v01202223/document/6937#c-10-2"},{"clause":"11","heading":"Any loss or damage whether direct or indirect arising from","page":7,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/object-insurance-irdan125rp0034v01202223/document/6937#c-11-2"},{"clause":"13","heading":null,"page":7,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/object-insurance-irdan125rp0034v01202223/document/6937#c-13-2"},{"clause":"17","heading":null,"page":7,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/object-insurance-irdan125rp0034v01202223/document/6937#c-17-2"},{"clause":"18","heading":"Communicable Disease Exclusion Clause","page":10,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/object-insurance-irdan125rp0034v01202223/document/6937#c-18-3"}],"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 the insurer's Grievance Redressal Officer through the call centre, grievance email, branch, website or courier. If not satisfied, contact the Head of Customer Service at the Complaint & Grievance Cell, and then the Chief Grievance Officer at cgo@hdfcergo.com.","display":"Grievance Redressal Officer first; then Head of Customer Service at the C&G Cell; then Chief Grievance Officer","note":null,"quote":"If you have a grievance that you wish us to redress, you may contact us with the details of your grievance through:\nOur Grievance Redressal Officer\n• Call Centre - 022 6158 2020 / 022-6234 6234\n• Emails – grievance@hdfcergo.com ... If you are not satisfied with our redressal of your grievance through one of the above methods, you may contact our Head of Customer Service at The Complaint & Grievance Cell, HDFC ERGO General Insurance Company Ltd. ... 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 ... e-mail: cgo@hdfcergo.com","sources":[{"clause":null,"heading":"GRIEVANCE REDRESSAL","page":11,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/object-insurance-irdan125rp0034v01202223/document/6937#c-grievance-redressal"},{"clause":null,"heading":"In case you are not satisfied with the response / resolution","page":11,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/object-insurance-irdan125rp0034v01202223/document/6937#c-in-case-you-are-not-satisfied-with-the-response"},{"clause":null,"heading":"Mumbai - 400078, Maharashtra","page":11,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/object-insurance-irdan125rp0034v01202223/document/6937#c-mumbai-400078-maharashtra"}],"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":["Screen Damage","Liquid Damage","Accidental Damage","Fire, Act of God, Riot, Strike or Malicious Damage","Theft, Burglary or Robbery","Extended Warranty"],"display":"Screen Damage; Liquid Damage; Accidental Damage; Fire, Act of God, Riot, Strike or Malicious Damage; Theft, Burglary or Robbery; Extended Warranty","note":"Each cover applies only if mentioned in the Policy Schedule.","quote":"I) Screen Damage This Cover is applicable if mentioned in your Policy Schedule. ... II) Liquid Damage This Cover is applicable if mentioned in your Policy Schedule. ... III) Accidental Damage This Cover is applicable if mentioned in your Policy Schedule. ... IV) Fire, Act of God, Riot, Strike or Malicious Damage This Cover is applicable if mentioned in your Policy Schedule. ... V. Theft, Burglary or Robbery\nThis Cover is applicable if mentioned in your Policy Schedule. ... VI. Extended Warranty\nThis Cover is applicable if mentioned in your Policy Schedule.","sources":[{"clause":"Section 2(I)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/object-insurance-irdan125rp0034v01202223/document/6937#c-section-2-i"},{"clause":"Section 2(II)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/object-insurance-irdan125rp0034v01202223/document/6937#c-section-2-ii"},{"clause":"Section 2(III)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/object-insurance-irdan125rp0034v01202223/document/6937#c-section-2-iii"},{"clause":"Section 2(IV)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/object-insurance-irdan125rp0034v01202223/document/6937#c-section-2-iv"},{"clause":null,"heading":"V. Theft, Burglary or Robbery","page":5,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/object-insurance-irdan125rp0034v01202223/document/6937#c-v-theft-burglary-or-robbery"},{"clause":null,"heading":"VI. Extended Warranty","page":5,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/object-insurance-irdan125rp0034v01202223/document/6937#c-vi-extended-warranty"}],"law":[]},{"key":"deductible","label":"Deductible or excess","section":"Limits and co-pay","meaning":"Amount of each claim you bear.","status":"not-stated","value":null,"display":null,"note":"The wording defines deductible as the amount borne before claim payment and says it applies separately to each claim, but the actual amount is not printed in the wording.","quote":null,"sources":[],"law":[]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"The insured can cancel the policy at any time during the policy term by informing the company. If there is no claim, the company refunds proportionate premium for the unexpired policy period; if there is a claim, no refund is made for the year in which the claim is made and proportionate premium is refunded for unexpired policy years.","display":"Cancel any time; no claim: proportionate premium for unexpired policy period; claim: no refund for claim year, proportionate premium for unexpired policy years","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. In case of No claim: The Company 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. The Company shall refund proportionate premium for the unexpired policy years.","sources":[{"clause":"8","heading":"Cancellation","page":10,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/object-insurance-irdan125rp0034v01202223/document/6937#c-8-3"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"quote-verified","value":"The base geographical territory is India. On payment of additional premium for Worldwide Coverage, the geographical territory is modified from India to Worldwide, subject to the insured object being accompanied by the insured person.","display":"India; optional Worldwide Coverage on additional premium","note":"Worldwide Coverage is an optional cover available on payment of additional premium.","quote":"III) Worldwide Coverage On payment of additional premium, Geographical territory under this policy is modified from India to Worldwide subject to Insured Object being accompanied by Insured Person.","sources":[{"clause":"Row 1(III)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/object-insurance-irdan125rp0034v01202223/document/6937#c-row-1-iii"}],"law":[]},{"key":"subject_covered","label":"What is insured","section":"Cover","meaning":"The thing or risk this policy covers.","status":"quote-verified","value":"The policy covers loss or damage to the Insured Object(s) during the Period of Insurance. Insured Object means any physical object specified in the Policy Schedule or Certificate of Insurance.","display":"Insured Object(s), meaning any physical object specified in the Policy Schedule/Certificate of Insurance","note":null,"quote":"We hereby agree, to indemnify You up to the sum insured for loss or damage to the Insured Object(s) during the Period of Insurance, subject to the terms, conditions and exclusions herein contained or endorsed or otherwise expressed hereon. ... Insured Object means any physical object specified in Your Policy Schedule/Certificate of Insurance.","sources":[{"clause":null,"heading":"Insuring Clause","page":2,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/object-insurance-irdan125rp0034v01202223/document/6937#c-insuring-clause"},{"clause":"21","heading":"Insured Object","page":3,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/object-insurance-irdan125rp0034v01202223/document/6937#c-21"}],"law":[]}],"documents":[{"kind":"wording","label":"Object Insurance","pages":14,"fetched_at":"2026-10-17 19:54:10+00","source_url":"https://customer-portal-assets.hdfcergo.com/assets/docs/default-source/downloads/policy-wordings/others/objectinsurancepw-473079531372.pdf","url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/object-insurance-irdan125rp0034v01202223/document/6937"},{"kind":"prospectus","label":"Object Insurance","pages":15,"fetched_at":"2026-10-17 19:50:57+00","source_url":"https://customer-portal-assets.hdfcergo.com/assets/v2/docs/default-source/downloads/prospectus/object-insurance-p-806896623459.pdf","url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/object-insurance-irdan125rp0034v01202223/document/6783"},{"kind":"cis","label":"Object Insurance","pages":10,"fetched_at":"2026-10-17 19:50:31+00","source_url":"https://customer-portal-assets.hdfcergo.com/assets/docs/default-source/downloads/cis/other/objectinsurance-113548939111.pdf","url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/object-insurance-irdan125rp0034v01202223/document/6761"}],"versions":[{"uin":"IRDAN125RP0034V02202223","version":null,"approved_on":null},{"uin":"IRDAN125RP0034V01202223","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":"Object Insurance (UIN IRDAN125RP0034V01202223), IndiaInsurances, https://indiainsurances.com/policy/hdfc-ergo-general-insurance/object-insurance-irdan125rp0034v01202223"}