{"uin":"IRDAN144CP0002V01202324","name":"TERRORISM SURAKSHA BIMA","url":"https://indiainsurances.com/policy/sbi-general-insurance/terrorism-suraksha-bima-irdan144cp0002v01202324","insurer":{"slug":"sbi-general-insurance","name":"SBI General Insurance Company Limited","url":"https://indiainsurances.com/insurer/sbi-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":"Terrorism Suraksha Bima is a stand-alone terrorism insurance product covering property damage, business interruption and terrorism liability arising out of terrorist activity. The insured can choose one or more sections, and deductibles and insured locations are stated in the Risk Details or schedule.","analysis":{"state":"machine","analysed_at":"2026-10-20 05:43:35.016058+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":"quote-verified","value":["Section I Property Damage","Section II Business interruption","Section III Property Damage and Business interruption","Section IV Terrorism Liability","Section V Business Interruption – ALOP"],"display":"Section I Property Damage; Section II Business interruption; Section III Property Damage and Business interruption; Section IV Terrorism Liability; Section V Business Interruption – ALOP","note":"These are optable policy sections, not differently named retail plans.","quote":"The policy can be extended to provide wider coverage through extensions. Below are the five sections in the Policy Wordings of which Insured can choose to opt one or more section under this policy ... Section I Property Damage ... Section II Business interruption ... Section III Property Damage and Business interruption ... Section IV Terrorism Liability ... Section V Business Interruption – ALOP","sources":[{"clause":null,"heading":"SBI GENERAL TERRORISM SURAKSHA BIMA","page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/terrorism-suraksha-bima-irdan144cp0002v01202324/document/15033#c-sbi-general-terrorism-suraksha-bima"},{"clause":"Section I","heading":"Property Damage","page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/terrorism-suraksha-bima-irdan144cp0002v01202324/document/15033#c-section-i"},{"clause":"Section II","heading":"Business interruption","page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/terrorism-suraksha-bima-irdan144cp0002v01202324/document/15033#c-section-ii"},{"clause":"Section III","heading":"Property Damage and Business interruption","page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/terrorism-suraksha-bima-irdan144cp0002v01202324/document/15033#c-section-iii"},{"clause":"Section IV","heading":"Terrorism Liability","page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/terrorism-suraksha-bima-irdan144cp0002v01202324/document/15033#c-section-iv"},{"clause":"Section V","heading":"Business Interruption – ALOP","page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/terrorism-suraksha-bima-irdan144cp0002v01202324/document/15033#c-section-v"}],"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 refers to the Policy Period, Period of Insurance or Contract Period as stated in the Risk Details or schedule, but the documents provided do not print a fixed 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":"Deadlines vary by option: within thirty (30) days after the corporate risk management department first becomes aware of an occurrence; within seven (7) days in one property option; no later than 14 days after occurrence for Classic property damage; and terrorism liability claims or circumstances must be reported within 90 days after policy expiry.","display":"Varies by option: 30 days, 7 days, 14 days, or 90 days after expiry for terrorism liability","note":"The deadline depends on the section and wording option purchased.","quote":"The Insured shall give written notice to the Underwriters of any Occurrence likely to give rise to a claim hereunder within thirty (30) days after the Insured’s corporate risk management department first becomes aware of such Occurrence. ... who is to advise the Underwriters within seven (7) days of such knowledge of any occurrence ... no later than 14 days after the occurrence of said loss or damage ... reported in writing to Underwriters within 90 days after the expiry of this policy","sources":[{"clause":"15","heading":"NOTIFICATION OF CLAIMS","page":3,"url":"https://indiainsurances.com/policy/sbi-general-insurance/terrorism-suraksha-bima-irdan144cp0002v01202324/document/15317#c-15"},{"clause":null,"heading":"12. NOTIFICATION OF CLAIMS","page":23,"url":"https://indiainsurances.com/policy/sbi-general-insurance/terrorism-suraksha-bima-irdan144cp0002v01202324/document/15317#c-12-notification-of-claims"},{"clause":null,"heading":"6. CONDITIONS","page":83,"url":"https://indiainsurances.com/policy/sbi-general-insurance/terrorism-suraksha-bima-irdan144cp0002v01202324/document/15317#c-6-conditions"},{"clause":"9(b)","heading":null,"page":137,"url":"https://indiainsurances.com/policy/sbi-general-insurance/terrorism-suraksha-bima-irdan144cp0002v01202324/document/15317#c-9-b-3"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Policy/Underwriting documents.","Survey Report with Photographs wherever applicable","Claim Form, duly completed.","Log book / Asset register / Capitalized item list","Repair / Replacement invoices with receipt","All Applicable valid Certificates","Production / Generation / Revenue data","Duly certified financial account statements","Any other relevant documents required based on type of loss","KYC documents are compulsory where settlement amount is over 1 lac"],"display":"Policy/underwriting documents, survey report, claim form, asset records, invoices, certificates, production/revenue data, financial statements, other relevant documents, and KYC over 1 lac","note":null,"quote":"Policy/Underwriting documents. ... Survey Report with Photographs wherever applicable ... Claim Form, duly completed. ... Log book / Asset register / Capitalized item list ... Repair / Replacement invoices with receipt ... All Applicable valid Certificates ... Production / Generation / Revenue data ... Duly certified financial account statements ... Any other relevant documents required based on type of loss ... KYC documents are compulsory where settlement amount is over 1 lac","sources":[{"clause":"1","heading":null,"page":143,"url":"https://indiainsurances.com/policy/sbi-general-insurance/terrorism-suraksha-bima-irdan144cp0002v01202324/document/15317#c-1-12"},{"clause":"2","heading":"Survey Report with Photographs wherever applicable","page":143,"url":"https://indiainsurances.com/policy/sbi-general-insurance/terrorism-suraksha-bima-irdan144cp0002v01202324/document/15317#c-2-10"},{"clause":"3","heading":null,"page":143,"url":"https://indiainsurances.com/policy/sbi-general-insurance/terrorism-suraksha-bima-irdan144cp0002v01202324/document/15317#c-3-8"},{"clause":"4","heading":"Log book / Asset register / Capitalized item list","page":143,"url":"https://indiainsurances.com/policy/sbi-general-insurance/terrorism-suraksha-bima-irdan144cp0002v01202324/document/15317#c-4-9"},{"clause":"5","heading":"Repair / Replacement invoices with receipt","page":143,"url":"https://indiainsurances.com/policy/sbi-general-insurance/terrorism-suraksha-bima-irdan144cp0002v01202324/document/15317#c-5-8"},{"clause":"6","heading":"All Applicable valid Certificates","page":143,"url":"https://indiainsurances.com/policy/sbi-general-insurance/terrorism-suraksha-bima-irdan144cp0002v01202324/document/15317#c-6-10"},{"clause":"7","heading":"Production / Generation / Revenue data","page":143,"url":"https://indiainsurances.com/policy/sbi-general-insurance/terrorism-suraksha-bima-irdan144cp0002v01202324/document/15317#c-7-8"},{"clause":"8","heading":"Duly certified financial account statements","page":143,"url":"https://indiainsurances.com/policy/sbi-general-insurance/terrorism-suraksha-bima-irdan144cp0002v01202324/document/15317#c-8-7"},{"clause":"9","heading":"Any other relevant documents required based on type of loss","page":143,"url":"https://indiainsurances.com/policy/sbi-general-insurance/terrorism-suraksha-bima-irdan144cp0002v01202324/document/15317#c-9-6"},{"clause":"10","heading":"KYC documents are compulsory where settlement amount is","page":143,"url":"https://indiainsurances.com/policy/sbi-general-insurance/terrorism-suraksha-bima-irdan144cp0002v01202324/document/15317#c-10-5"}],"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":"For one property damage and business interruption wording, the loss is paid within 45 days after proof of loss is received and the amount of loss is resolved. The Classic property damage option states settlement of a valid claim within 60 days after conclusion of investigations necessary to assess liability.","display":"45 days after proof of loss and resolution; Classic option: 60 days after conclusion of investigations","note":"Settlement timing is not printed uniformly for every section or option.","quote":"The amount of loss, except for ACCOUNTS RECEIVABLE coverage, for which Insurers may be liable, will be paid within 45 days after:\nA. proof of loss as described in this Contract is received by Insurers; and B. when a resolution of the amount of loss is made ... Settlement of any valid claim under this Policy shall be payable, subject to the applicationof the Deductible, within 60 days after the conclusion of Underwriters' investigation(s) necessary for the assessment of the extent of their liability.","sources":[{"clause":null,"heading":"7) SETTLEMENT OF CLAIMS","page":63,"url":"https://indiainsurances.com/policy/sbi-general-insurance/terrorism-suraksha-bima-irdan144cp0002v01202324/document/15317#c-7-settlement-of-claims"},{"clause":null,"heading":"6. CONDITIONS","page":83,"url":"https://indiainsurances.com/policy/sbi-general-insurance/terrorism-suraksha-bima-irdan144cp0002v01202324/document/15317#c-6-conditions"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["loss or damage arising directly or indirectly from nuclear detonation, nuclear reaction, nuclear radiation or radioactive contamination","loss or damage occasioned directly or indirectly by war, invasion or warlike operations","loss or damage caused by seizure or legal or illegal occupation unless physical loss or damage is caused directly by an Insured Event","loss or damage caused by confiscation, nationalisation, requisition, detention, embargo, quarantine","loss or damage directly or indirectly arising from or in consequence of the discharge of pollutants or contaminants","loss or damage caused by chemical or biological release or exposure of any kind","loss or damage caused by attacks by electronic means including computer hacking","loss or damage caused by vandals or other persons acting maliciously or by way of protest or strikes, riots or civil commotion","loss of use, delay or loss of markets","loss or damage caused by cessation, fluctuation or variation in, or insufficiency of, water, gas or electricity supplies","loss or increased cost as a result of threat or hoax","loss or damage caused by or arising out of burglary, housebreaking, theft or larceny"],"display":"Nuclear, war, seizure/occupation, confiscation, pollutants, chemical/biological release, electronic attacks, malicious/vandal/riot acts, loss of use/markets, utilities failure, threat/hoax, burglary/theft","note":"Exclusions vary by section and option; this list is from the Section I Property Damage wording and captures the main standard exclusions.","quote":"This Policy DOES NOT cover:\n1. loss or damage arising directly or indirectly from nuclear detonation, nuclear reaction, nuclear radiation or radioactive contamination ... 2. loss or damage occasioned directly or indirectly by war, invasion or warlike operations ... 3. loss or damage caused by seizure or legal or illegal occupation unless physical loss or damage is caused directly by an Insured Event. ... 4. loss or damage caused by confiscation, nationalisation, requisition, detention, embargo, quarantine ... 5. loss or damage directly or indirectly arising from or in consequence of the discharge of pollutants or contaminants ... 6. loss or damage caused by chemical or biological release or exposure of any kind. ... 7. loss or damage caused by attacks by electronic means including computer hacking ... 8. loss or damage caused by vandals or other persons acting maliciously or by way of protest or strikes, riots or civil commotion. ... 10. loss of use, delay or loss of markets ... 11. loss or damage caused by cessation, fluctuation or variation in, or insufficiency of, water, gas or electricity supplies ... 12. loss or increased cost as a result of threat or hoax. ... 13. loss or damage caused by or arising out of burglary, housebreaking, theft or larceny","sources":[{"clause":null,"heading":"EXCLUSIONS 1. LOSSES EXCLUDED","page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/terrorism-suraksha-bima-irdan144cp0002v01202324/document/15317#c-exclusions-1-losses-excluded"}],"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":"Before going to the Insurance Ombudsman, the policy says to register the grievance with the insurer by writing to head.customercare@sbigeneral.in or gro@sbigeneral.in, or calling 1800 102 1111. The final response is to be conveyed within 14 days from receipt of the complaint.","display":"Write to head.customercare@sbigeneral.in or gro@sbigeneral.in, or call 1800 102 1111 before Ombudsman","note":"Another wording copy presents Bima Bharosa before the insurer’s Head–Customer Care and GRO, but both copies allow direct complaint to the insurer before Ombudsman escalation.","quote":"If you wish to register your grievances directly with us, you may write to us at head.customercare@sbigeneral.in or gro@sbigeneral.in or call our toll free number- 1800 102 1111. After examining the matter, final response would be conveyed within a period of 14 days from the date of receipt of your complaint.","sources":[{"clause":"Annexure II","heading":"Grievance Redressal Procedure (Shall be attached to Policy Wording)","page":143,"url":"https://indiainsurances.com/policy/sbi-general-insurance/terrorism-suraksha-bima-irdan144cp0002v01202324/document/15317#c-annexure-ii"}],"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":["Act of Terrorism","Sabotage","Riots, Strikes and/or Civil Commotion","Malicious Damage","Insurrection, Revolution or Rebellion","Mutiny and/or Coup d'Etat","War and/or Civil War","Counter-Insurgency"],"display":"Act of Terrorism; Sabotage; Riots, Strikes and/or Civil Commotion; Malicious Damage; Insurrection, Revolution or Rebellion; Mutiny and/or Coup d'Etat; War and/or Civil War; Counter-Insurgency","note":"Perils depend on the section, option and purchased cover; the standard property damage options cover terrorism and sabotage, while political violence variants add the listed perils.","quote":"Physical loss or physical damage to the Buildings and Contents which belong to the Insured or for which the Insured is legally responsible, directly caused by one or more of the following perils occurring during the Policy Period and in respect of which the Insured has purchased cover as specified in item 4 of Schedule 1:\n1. Act of Terrorism;\n2. Sabotage;\n3. Riots, Strikes and/or Civil Commotion;\n4. Malicious Damage;\n5. Insurrection, Revolution or Rebellion;\n6. Mutiny and/or Coup d'Etat;\n7. War and/or Civil War.\n8. Counter-Insurgency","sources":[{"clause":null,"heading":"Option 5: Policy Wording -5 SBI General Terrorism Suraksha Bima Classic Variant - Political Violence","page":119,"url":"https://indiainsurances.com/policy/sbi-general-insurance/terrorism-suraksha-bima-irdan144cp0002v01202324/document/15317#c-option-5-policy-wording-5-sbi-general-terrorism"}],"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 states that the deductible or excess is shown in the Risk Details or schedule, but no amount is printed in the provided documents.","quote":null,"sources":[],"law":[]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"The policy says it is non-cancellable by any parties except on the stated grounds. If the insurer cancels on those grounds, it gives 15 days notice and there is no refund of premium.","display":"Non-cancellable by any parties except stated grounds; insurer cancellation is without refund","note":"The wording does not provide a voluntary cancellation refund scale for the insured.","quote":"The Insurer may cancel this policy on grounds of misrepresentation, fraud, non disclosure of material facts, non cooperation by the insured or anyone acting on his behalf. The policy will be cancelled upon 15 days notice and by sending an ENDORSEMENT in this regard at insured’s address shown in the SCHEDULE without refund of any premium. This policy is non cancellable by any parties on any other grounds, other than stated above.","sources":[{"clause":null,"heading":"6.23 Policy Cancellation","page":14,"url":"https://indiainsurances.com/policy/sbi-general-insurance/terrorism-suraksha-bima-irdan144cp0002v01202324/document/15317#c-6-23-policy-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 prospectus says the product provides stand-alone terrorism coverage in one or more locations across India. The policy wording itself generally refers to the Risk Details or insured locations for exact locations and territorial limits.","display":"One or more locations across India","note":"From the prospectus; the wording points to the Risk Details or schedule for the exact insured locations.","quote":"The scope of this product is to provide coverage stand-alone Terrorism against physical loss or physical damage occurring during the period of this Policy caused by an Act of Terrorism or Sabotage, as herein defined in one or more locations across India.","sources":[{"clause":null,"heading":"SBI GENERAL TERRORISM SURAKSHA BIMA","page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/terrorism-suraksha-bima-irdan144cp0002v01202324/document/15033#c-sbi-general-terrorism-suraksha-bima"}],"law":[]},{"key":"subject_covered","label":"What is insured","section":"Cover","meaning":"The thing or risk this policy covers.","status":"quote-verified","value":"The product covers property damage, business interruption and terrorism liability arising out of terrorist activity. The property damage wording insures property described in the Risk Details against direct physical loss or physical damage by insured events.","display":"Property damage, business interruption and terrorism liability arising out of terrorist activity","note":null,"quote":"The policy covers Property damage, Business interruption, Terrorism Liability arising out of terrorist activity. ... this Policy insures the property described in the Risk Details against direct physical loss or physical damage by an Insured Event(s)","sources":[{"clause":null,"heading":"SBI GENERAL TERRORISM SURAKSHA BIMA","page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/terrorism-suraksha-bima-irdan144cp0002v01202324/document/15033#c-sbi-general-terrorism-suraksha-bima"},{"clause":null,"heading":"INSURING CLAUSE","page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/terrorism-suraksha-bima-irdan144cp0002v01202324/document/15317#c-insuring-clause"}],"law":[]}],"documents":[{"kind":"wording","label":"TERRORISM SURAKSHA BIMA Policy Wordings","pages":135,"fetched_at":"2026-10-16 04:25:56+00","source_url":"https://content.sbigeneral.in/uploads/SBI_General_Terrorism_Suraksha_Bima_Policy_Wording_26dc6b8ecb.pdf","url":"https://indiainsurances.com/policy/sbi-general-insurance/terrorism-suraksha-bima-irdan144cp0002v01202324/document/15075"},{"kind":"wording","label":"TERRORISM SURAKSHA BIMA Policy Wordings","pages":143,"fetched_at":"2026-10-17 20:02:35+00","source_url":"https://content.sbigeneral.in/uploads/SBI_General_Terrorism_Suraksha_Bima_Wording_e63ba05640.pdf","url":"https://indiainsurances.com/policy/sbi-general-insurance/terrorism-suraksha-bima-irdan144cp0002v01202324/document/15317"},{"kind":"prospectus","label":"TERRORISM SURAKSHA BIMA Prospectus","pages":2,"fetched_at":"2026-10-16 04:25:27+00","source_url":"https://content.sbigeneral.in/uploads/TERRORISM_SURAKSHA_BIMA_Prospectus_c691165d89.pdf","url":"https://indiainsurances.com/policy/sbi-general-insurance/terrorism-suraksha-bima-irdan144cp0002v01202324/document/15033"},{"kind":"prospectus","label":"TERRORISM SURAKSHA BIMA Prospectus","pages":2,"fetched_at":"2026-10-17 20:02:07+00","source_url":"https://content.sbigeneral.in/uploads/SBI_General_Terrorism_Suraksha_Bima_Prospectus_645dca2821.pdf","url":"https://indiainsurances.com/policy/sbi-general-insurance/terrorism-suraksha-bima-irdan144cp0002v01202324/document/15277"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"SBI General Insurance official website","url":"https://www.sbigeneral.in/","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":"Health claims","url":"https://www.sbigeneral.in/claim/health","note":null},{"purpose":"claim","kind":"insurer","name":"Home claims","url":"https://www.sbigeneral.in/claim/home","note":null},{"purpose":"claim","kind":"insurer","name":"Motor claims","url":"https://www.sbigeneral.in/claim/motor","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.sbigeneral.in/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":"Policy renewal","url":"https://www.sbigeneral.in/policy-renewal","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":"TERRORISM SURAKSHA BIMA (UIN IRDAN144CP0002V01202324), IndiaInsurances, https://indiainsurances.com/policy/sbi-general-insurance/terrorism-suraksha-bima-irdan144cp0002v01202324"}