{"uin":"IRDAN134CP0016V01200809","name":"Jewelers Block Insurance Policy","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/jewelers-block-insurance-policy-irdan134cp0016v01200809","insurer":{"slug":"universal-sompo-general-insurance","name":"Universal Sompo General Insurance Company Limited","url":"https://indiainsurances.com/insurer/universal-sompo-general-insurance"},"line":"general","category":"other-general","category_name":"Other general insurance","irdai_type":null,"kind":"product","status":"active","approved_on":"2008-08-12","withdrawn_on":null,"summary":"Jewelers Block Insurance Policy covers jewellery and related business stocks, cash, valuables and trade furniture or equipment against listed fire and burglary perils at the premises, in specified custody and in transit in India. Claims must be intimated within 15 days, or within 24 hours for Section II losses.","analysis":{"state":"machine","analysed_at":"2026-10-20 02:45:27.871747+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 cover sections, but do not name plan variants.","quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"not-stated","value":null,"display":null,"note":"The wording points to the policy period or Period of Insurance shown in the Policy Schedule, but no fixed term is printed in the extracted documents.","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, and in any event within 15 days of the incident. For loss or damage under Section II, report within 24 hours of the insured event.","display":"As soon as reasonably possible, within 15 days; Section II within 24 hours","note":null,"quote":"Intimate us as soon as reasonably possible, but in any event within 15 days of the date the incident. However in respect of loss or damage under section II of the policy, the same must be reported within 24 hours of the happening of any insured event.","sources":[{"clause":"17(a)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/jewelers-block-insurance-policy-irdan134cp0016v01200809/document/17922#c-17-a-4"}],"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 completed Claim form","Copy of FIR","Estimate of loss / repairs","The records pertaining to the quality, quantity and the value of the contents in the premises.","Invoice/ Bills/Receipts","FR","Any other details/documents called for a specific loss"],"display":"Duly completed claim form, FIR, estimate, records, invoices/bills/receipts, FR and any other details/documents called for a specific loss","note":null,"quote":"The documents normally required to be submitted in the event of a claim are :\n1. Duly completed Claim form\n2. Copy of FIR\n3. Estimate of loss / repairs\n4. The records pertaining to the quality, quantity and the value of the contents in the premises.\n5. Invoice/ Bills/Receipts\n6. FR\n7. Any other details/documents called for a specific loss","sources":[{"clause":"17(d)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/jewelers-block-insurance-policy-irdan134cp0016v01200809/document/17922#c-17-d-2"}],"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":["Storm,Cyclone,Typhoon,Tempest ,Hurricane,Tornado,Flood or Inundation and Tsunami","earthquake ,Volcanic eruption or other convulsions of nature","act of terrorism","Ionising radiation or radioactive contamination from nuclear fuel or nuclear waste","War, invasion, act of foreign enemy hostilities or warlike operation or operations","pressure waves caused by aircraft and other flying objects traveling at or above the speed of sound","pollution or contamination","wear and tear, depreciation, insects, vermins, moth, fungus, corrosion, rust, atmospheric or climatic conditions ingress of water, gradually operating cause","wilful act of the insured or any person acting on his/her behalf","Loss by delay, loss of market, loss of goodwill and / or any other consequential or indirect loss or damage","confiscation, commandeering , requisition or destruction by order of the Government or any lawfully constituted Authority"],"display":"Storm/flood/tsunami, earthquake, terrorism, nuclear/radioactive contamination, war risks, sonic bangs, pollution/contamination, gradually occurring losses, wilful act, consequential losses and public authority dispossession","note":null,"quote":"Any loss, destruction or damage directly caused by Storm,Cyclone,Typhoon,Tempest ,Hurricane,Tornado,Flood or Inundation and Tsunami.. ... Any loss or damage occasioned by or through or in consequence directly or indirectly due to earthquake ,Volcanic eruption or other convulsions of nature. ... this insurance excludes loss, damage cost or expense of whatsoever nature directly or indirectly caused by, resulting from or in connection with any act of terrorism ... Ionising radiation or radioactive contamination from nuclear fuel or nuclear waste arising from burning nuclear fuel ... War, invasion, act of foreign enemy hostilities or warlike operation or operations (whether war be declared or not) civil war rebellion revolution insurrection civil commotion assuming the proportions of or amounting to an uprising military or usurped power. ... Any loss, damage or legal liability directly or indirectly caused by pressure waves caused by aircraft and other flying objects traveling at or above the speed of sound. ... Loss, destruction or damage caused to the insured property by pollution or contamination ... Loss or damage by wear and tear, depreciation, insects, vermins, moth, fungus, corrosion, rust, atmospheric or climatic conditions ingress of water, gradually operating cause, process or cleaning , dyeing, repair, alteration or restoration. ... Loss or damage caused by or arising out of wilful act of the insured or any person acting on his/her behalf ... Loss by delay, loss of market, loss of goodwill and / or any other consequential or indirect loss or damage. ... confiscation, commandeering , requisition or destruction by order of the Government or any lawfully constituted Authority","sources":[{"clause":null,"heading":"GENERAL EXCLUSIONS APPLICABLE TO THE POLICY","page":8,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/jewelers-block-insurance-policy-irdan134cp0016v01200809/document/17922#c-general-exclusions-applicable-to-the-policy"},{"clause":"17(a)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/jewelers-block-insurance-policy-irdan134cp0016v01200809/document/17922#c-17-a-5"},{"clause":"17(a)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/jewelers-block-insurance-policy-irdan134cp0016v01200809/document/17922#c-17-a-6"},{"clause":"17(b)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/jewelers-block-insurance-policy-irdan134cp0016v01200809/document/17922#c-17-b-6"},{"clause":null,"heading":"11) Consequential Losses","page":9,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/jewelers-block-insurance-policy-irdan134cp0016v01200809/document/17922#c-11-consequential-losses"},{"clause":null,"heading":"12.) Public Authority","page":9,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/jewelers-block-insurance-policy-irdan134cp0016v01200809/document/17922#c-12-public-authority"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"First register a grievance or complaint on the insurer website, write to contactus@universalsompo.com, contact the branch where the policy was bought, or contact the Complaints Coordinator at the registered office. If unresolved, the policy says the insured may approach the Insurance Ombudsman subject to jurisdiction.","display":"Website/contactus@universalsompo.com, branch or Complaints Coordinator first; then Insurance Ombudsman if unresolved","note":null,"quote":"In case You are aggrieved in any way, You may register a grievance or Complaint by visiting Our website or write to us on contactus@universalsompo.com.\nYou may also contact the Branch from where You have bought the Policy or the Complaints Coordinator who can be reached at Our Registered Office. ... If the issue still remains unresolved, You may, subject to vested jurisdiction, approach Insurance Ombudsman for the redressal of Your grievance.","sources":[{"clause":null,"heading":"14. GRIEVANCES","page":10,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/jewelers-block-insurance-policy-irdan134cp0016v01200809/document/17922#c-14-grievances"}],"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","Lightning","Explosion / Implosion","Damage caused by an aircraft, other aerial or space devices and articles dropped therefrom.","Riot, Strike and Malicious Damage","Burglary,Theft,Hold-Up & Robbery"],"display":"Fire, lightning, explosion/implosion, aircraft damage, riot/strike/malicious damage, burglary/theft/hold-up/robbery","note":null,"quote":"perils listed hereunder and subject to its not being otherwise excluded. 1. Fire 2. Lightning 3. Explosion / Implosion 4. Damage caused by an aircraft, other aerial or space devices and articles dropped therefrom. 5. Riot, Strike and Malicious Damage: - Visible physical Damage by external violent means directly caused to the property insured. 6. Burglary,Theft,Hold-Up & Robbery","sources":[{"clause":null,"heading":"COVERAGE FIRE AND BURGLARY – STOCKS OF JEWELLERY, CASH & OTHER VALUABLE AND FURNITURE, FIXTURES AND OTHER EQUIPMENTS USED IN THE PREMISES","page":2,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/jewelers-block-insurance-policy-irdan134cp0016v01200809/document/17922#c-coverage-fire-and-burglary-stocks-of-jewellery-c"}],"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 the deductible as the amount stated in each section of the Schedule and borne first for each claim, but the extracted documents do not print the amount.","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":"If you cancel by written notice, the insurer retains premium based on the short-period table and refunds the balance if no claim has been preferred: 25% of annual premium up to 1 month, 50% above 1 month and up to 3 months, 75% above 3 months and up to 6 months, and 100% above 6 months.","display":"Balance after short-period retention: 25% up to 1 month, 50% above 1 to 3 months, 75% above 3 to 6 months, 100% above 6 months; only if no claim","note":null,"quote":"You may cancel this Policy by sending a written notice to Us. Retention premium for the period we were on risk will be calculated based on following short period table and the balance will be refunded to you subject to the condition that no claim has been preferred on us :\nPERIOD OF COVER UPTO | RATE OF PREMIUM TO BE RETAINED\nUpto 1 month | 25% of annual premium\nAbove 1 month and upto 3 months | 50% of annual premium\nAbove 3 months and upto 6 months | 75% of annual premium\nAbove 6 months | 100% of annual premium","sources":[{"clause":null,"heading":"7. Cancellation","page":7,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/jewelers-block-insurance-policy-irdan134cp0016v01200809/document/17922#c-7-cancellation"}],"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 geographical limit and jurisdiction are India, and all claims are settled in Indian Rupees only.","display":"India; claims settled in Indian Rupees only","note":null,"quote":"The Geographical Limit of this Policy and jurisdiction shall be India. All claims under this policy shall be settled in Indian Rupees only.","sources":[{"clause":null,"heading":"12. Disclaimer Clause","page":7,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/jewelers-block-insurance-policy-irdan134cp0016v01200809/document/17922#c-12-disclaimer-clause"}],"law":[]},{"key":"subject_covered","label":"What is insured","section":"Cover","meaning":"The thing or risk this policy covers.","status":"quote-verified","value":"The policy insures jewellery and related stocks, currency notes, cash and similar business contents at the insured premises; stocks excluding cash and currency while in specified custody or transit; and furniture, fixtures, fittings, safes, electrical installations and other trade equipment.","display":"Jewellery/valuables/cash and similar business contents, stocks in custody or transit, and business furniture, fixtures, fittings, safes, electrical installations and equipment","note":null,"quote":"stocks comprising of jewellery, gold and silver ornaments or plates/bars ,pearls, precious and semi precious stones, Currency notes and cash and any other similar contents pertaining to your business whilst kept and lying in the insured premises ... (Under the custody of You & Others) Loss or Damage directly caused to your stocks as described in Section I above excluding Cash and Currency Notes whilst in ... Your Custody or that of Your partners ,directors or employees ... In the custody of persons not in Your regular employment such as brokers, agents, cutters, sorters or goldsmith. ... Loss or damage to Your stocks excluding cash and currency as described in Section I above whilst in transit any where in India by angadias, registered parcel post, air freight, Inland waterways, rail &/or road. ... Loss and/or damage to the Furniture ,Fixtures, Fittings, Safes, Electrical Installations, other equipments and appliances used for trade purposes","sources":[{"clause":null,"heading":"COVERAGE FIRE AND BURGLARY – STOCKS OF JEWELLERY, CASH & OTHER VALUABLE AND FURNITURE, FIXTURES AND OTHER EQUIPMENTS USED IN THE PREMISES","page":2,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/jewelers-block-insurance-policy-irdan134cp0016v01200809/document/17922#c-coverage-fire-and-burglary-stocks-of-jewellery-c"},{"clause":"17(a)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/jewelers-block-insurance-policy-irdan134cp0016v01200809/document/17922#c-17-a"},{"clause":"17(b)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/jewelers-block-insurance-policy-irdan134cp0016v01200809/document/17922#c-17-b"},{"clause":"17(c)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/jewelers-block-insurance-policy-irdan134cp0016v01200809/document/17922#c-17-c"},{"clause":"17(d)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/jewelers-block-insurance-policy-irdan134cp0016v01200809/document/17922#c-17-d"}],"law":[]}],"documents":[{"kind":"wording","label":"Jewelers Block Insurance Policy - Policy Wording","pages":15,"fetched_at":"2026-10-17 20:19:02+00","source_url":"https://www.universalsompo.com/assets/file/withdrawn-products/withdrawn-products-1/jewelers-block-insurance-policy/policy-wordings.pdf","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/jewelers-block-insurance-policy-irdan134cp0016v01200809/document/17922"},{"kind":"prospectus","label":"Jewelers Block Insurance Policy - Prospectus/Sales Literature","pages":2,"fetched_at":"2026-10-17 20:18:54+00","source_url":"https://www.universalsompo.com/assets/file/withdrawn-products/withdrawn-products-1/jewelers-block-insurance-policy/prospectus.pdf","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/jewelers-block-insurance-policy-irdan134cp0016v01200809/document/17912"}],"versions":[{"uin":"GEN333","version":null,"approved_on":null},{"uin":"IRDAN134CP0016V01200809","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Universal Sompo General Insurance official website","url":"https://www.universalsompo.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":"Claims","url":"https://www.universalsompo.com/claims/","note":null},{"purpose":"claim","kind":"insurer","name":"Motor claim intimation","url":"https://www.universalsompo.com/claimintimation/","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.universalsompo.com/resourse-grievance-redressal/","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 now","url":"https://www.universalsompo.com/renew-now/","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":"Jewelers Block Insurance Policy (UIN IRDAN134CP0016V01200809), IndiaInsurances, https://indiainsurances.com/policy/universal-sompo-general-insurance/jewelers-block-insurance-policy-irdan134cp0016v01200809"}