{"uin":"IRDAN150CPPR0026V01202425","name":"Liberty Terrorism and Sabotage Insurance","url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-terrorism-and-sabotage-insurance-irdan150cppr0026v01202425","insurer":{"slug":"liberty-general-insurance","name":"Liberty General Insurance Limited","url":"https://indiainsurances.com/insurer/liberty-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":"Liberty Terrorism and Sabotage Insurance covers property damage, time element business interruption and third party liability arising from insured events as opted. The policy uses schedule-based risk details for the policy period, deductible and territorial limits, and property loss is payable within 45 days after proof of loss is received and the loss amount is resolved.","analysis":{"state":"machine","analysed_at":"2026-10-20 05:29:35.625579+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":"No named plan variants are listed; the documents describe sections, perils and extensions instead.","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 documents only point to the Contract Period, Risk Details or Policy Schedule.","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":"Property claims must be notified as soon as reasonably practicable. Liability claims or circumstances must be reported in writing as soon as reasonably possible and no later than 90 days after expiry of the contract.","display":"As soon as reasonably practicable/possible; liability claims or circumstances no later than 90 days after expiry","note":"The property damage wording uses “as soon as reasonably practicable”; the liability section adds the 90-day post-expiry backstop.","quote":"In the event of any Occurrence likely to give rise to a claim hereunder, the Insured shall as soon as reasonably practicable notify the Insurers, named for that purpose in the Risk Details. ... Claims, or circumstances likely to give rise to a claim insured hereunder, which are reported in writing to Insurers as soon as reasonably possible and in no event later than 90 days after the expiry of this Contract.","sources":[{"clause":null,"heading":"1. NOTIFICATION OF CLAIMS AND REQUIREMENTS IN CASE OF LOSS","page":77,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-terrorism-and-sabotage-insurance-irdan150cppr0026v01202425/document/11647#c-1-notification-of-claims-and-requirements-in-cas"},{"clause":null,"heading":"INSURING CLAUSE","page":1,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-terrorism-and-sabotage-insurance-irdan150cppr0026v01202425/document/11638#c-insuring-clause"}],"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":["every demand, notice, summons or other process","copies of all relevant correspondence and legal processes","complete inventory of the lost, destroyed, damaged and undamaged property showing in detail the quantities, costs, Actual Cash Value, replacement value and amount of loss claimed","signed and sworn proof of loss","full information in writing of the property lost, destroyed or damaged and the amount of the Damage and the Insured’s interest and that of all others in the property","details of any other insurances","proofs and information relating to the claim including time, place and cause of loss","particulars of his claim together with details of all other insurances","books of account and other business books, vouchers, invoices, balance sheets, and other documents, proofs, information, explanation and other evidence"],"display":"Demand/notice/summons/process, relevant correspondence and legal processes, inventory, signed and sworn proof of loss, claim particulars, other insurance details, books, vouchers, invoices and balance sheets","note":"Different document requirements apply to liability, property damage and time element claims.","quote":"provide every demand, notice, summons or other process received by him or his representative to the Insurers.\nThe insured must keep the Insurers fully informed of the claim and forward to the Insurers copies of all relevant correspondence and legal processes. ... furnish a complete inventory of the lost, destroyed, damaged and undamaged property showing in detail the quantities, costs, Actual Cash Value, replacement value and amount of loss claimed. ... the Insured must deliver to the Insurers a signed and sworn proof of loss all such relevant information and evidence as may reasonably be required including:\ni) full information in writing of the property lost, destroyed or damaged and the amount of the Damage and the Insured’s interest and that of all others in the property;\nii) details of any other insurances on any property hereby insured, whether valid or not;\niii) all such proofs and information relating to the claim including time, place and cause of loss; ... particulars of his claim together with details of all other insurances covering property used by the Insured at the Premises for the purpose of the Business or any part of it or any resulting Consequential Loss. ... deliver to the Insurers such books of account and other business books, vouchers, invoices, balance sheets, and other documents, proofs, information, explanation and other evidence as may reasonably be required by the Insurers for the purpose of investigating the claim","sources":[{"clause":"9(c)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-terrorism-and-sabotage-insurance-irdan150cppr0026v01202425/document/11638#c-9-c"},{"clause":null,"heading":"1. NOTIFICATION OF CLAIMS AND REQUIREMENTS IN CASE OF LOSS","page":77,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-terrorism-and-sabotage-insurance-irdan150cppr0026v01202425/document/11647#c-1-notification-of-claims-and-requirements-in-cas"},{"clause":"6(c)(i)","heading":null,"page":77,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-terrorism-and-sabotage-insurance-irdan150cppr0026v01202425/document/11647#c-6-c-i"},{"clause":"6(c)(ii)","heading":null,"page":77,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-terrorism-and-sabotage-insurance-irdan150cppr0026v01202425/document/11647#c-6-c-ii"}],"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":"Except for Accounts Receivable coverage, the amount of loss is paid within 45 days after proof of loss is received and the amount of loss is resolved by written agreement or arbitration award.","display":"Within 45 days after proof of loss is received and the amount is resolved, except Accounts Receivable coverage","note":null,"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\nB. when a resolution of the amount of loss is made either by:\n1) written agreement between the Insured and Insurers; or\n2) the filing with Insurers of an award as provided in the Arbitration clause of this Contract.","sources":[{"clause":null,"heading":"6. SETTLEMENT OF CLAIMS","page":80,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-terrorism-and-sabotage-insurance-irdan150cppr0026v01202425/document/11647#c-6-settlement-of-claims"}],"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":["nuclear detonation, nuclear reaction, nuclear radiation or radioactive contamination","war, invasion or warlike operations","seizure or legal or illegal occupation unless physical loss or damage is caused directly by an Insured Event","confiscation, nationalisation, requisition, detention, embargo, quarantine","discharge of pollutants or contaminants","chemical or biological release or exposure of any kind","attacks by electronic means including computer hacking","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 of income, increased cost of working or any other consequential loss","cessation, fluctuation or variation in, or insufficiency of, water, gas or electricity supplies and telecommunications","threat or hoax","burglary, house-breaking, looting, theft or larceny"],"display":"Nuclear/radioactive contamination; war; seizure/occupation; confiscation; pollutants; chemical/biological release; electronic attacks; vandals/protest/strikes/riots/civil commotion; consequential loss; off-premises utilities; threat/hoax; burglary/theft/looting","note":"This list is from the property damage wording. The liability section has additional liability-specific exclusions such as employee bodily injury, fines, mental injury without bodily injury, criminal conduct and products.","quote":"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 ... seizure or legal or illegal occupation unless physical loss or damage is caused directly by an Insured Event. ... confiscation, nationalisation, requisition, detention, embargo, quarantine ... discharge of pollutants or contaminants ... chemical or biological release or exposure of any kind. ... attacks by electronic means including computer hacking ... 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 of income, increased cost of working or any other consequential loss ... cessation, fluctuation or variation in, or insufficiency of, water, gas or electricity supplies and telecommunications ... threat or hoax. ... burglary, house-breaking, looting, theft or larceny","sources":[{"clause":null,"heading":"1. LOSSES EXCLUDED","page":4,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-terrorism-and-sabotage-insurance-irdan150cppr0026v01202425/document/11647#c-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":"First contact Liberty by toll-free number, email or writing to Customer Service. If the response does not meet expectations, escalate to Manager@libertyinsurance.in and then Servicehead@libertyinsurance.in before approaching the Insurance Ombudsman.","display":"Call 1800-266-5844, email care@libertyinsurance.in or write to Customer Service; escalate to Manager@libertyinsurance.in and Servicehead@libertyinsurance.in","note":null,"quote":"Call us on Toll free number: 1800-266-5844 | If our response or resolution does not\n(8:00 AM to 8:00 PM, 7 days of the week) | meet your expectations, you can escalate\nor at Manager@libertyinsurance.in Email us at: care@libertyinsurance.in or Step 3\nWrite to us at: | If you are still not satisfied with the\nCustomer Service | resolution provided, you can further\nLiberty General Insurance Limited | escalate | at\nUnit 1501 & 1502, 15th Floor, Tower 2, One | Servicehead@libertyinsurance.in ... In case you are not satisfied with the decision or resolution provided by Liberty, you may approach the Insurance Ombudsman for redressal.","sources":[{"clause":null,"heading":"1. Our Grievance Redressal Officer","page":95,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-terrorism-and-sabotage-insurance-irdan150cppr0026v01202425/document/11647#c-1-our-grievance-redressal-officer"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"perils","label":"What is covered","section":"Cover","meaning":"The events or risks covered.","status":"quote-verified","value":["Terrorism","Sabotage","Strike","Riot","Civil Commotion","Malicious Damage","Insurrection, Revolution and Rebellion","Mutiny and/or Coup d’état","War and/or Civil War"],"display":"Terrorism; Sabotage; Strike; Riot; Civil Commotion; Malicious Damage; Insurrection, Revolution and Rebellion; Mutiny and/or Coup d’état; War and/or Civil War","note":"Perils are selected as opted. The separate terrorism and sabotage property wording defines Terrorism and Sabotage only, while the political violence wording defines the wider set listed here.","quote":"Insured Event(s), shall mean the perils of ... \"Terrorism\" shall mean ... \"Sabotage\" shall mean ... \"Strike, Riot, Civil Commotion\" ... \"Malicious Damage\" shall mean ... \"Insurrection, Revolution and Rebellion\" ... \"Mutiny and/or Coup d’état\" ... \"War and/or Civil War\" ... This Policy is designed to cover Property Damage, Business Interruption (Time Element) & Third Party Liability of Insured against the below mentioned perils as opted","sources":[{"clause":"1","heading":"Insured Event(s),","page":2,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-terrorism-and-sabotage-insurance-irdan150cppr0026v01202425/document/11643#c-1"},{"clause":"1.1","heading":"\"Terrorism\"","page":2,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-terrorism-and-sabotage-insurance-irdan150cppr0026v01202425/document/11643#c-1-1"},{"clause":"1.2","heading":"\"Sabotage\"","page":2,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-terrorism-and-sabotage-insurance-irdan150cppr0026v01202425/document/11643#c-1-2"},{"clause":"1.3","heading":null,"page":2,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-terrorism-and-sabotage-insurance-irdan150cppr0026v01202425/document/11643#c-1-3"},{"clause":"1.4","heading":"\"Malicious Damage\"","page":2,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-terrorism-and-sabotage-insurance-irdan150cppr0026v01202425/document/11643#c-1-4"},{"clause":"1.5","heading":null,"page":2,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-terrorism-and-sabotage-insurance-irdan150cppr0026v01202425/document/11643#c-1-5"},{"clause":"1.6","heading":null,"page":2,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-terrorism-and-sabotage-insurance-irdan150cppr0026v01202425/document/11643#c-1-6"},{"clause":"1.7","heading":null,"page":4,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-terrorism-and-sabotage-insurance-irdan150cppr0026v01202425/document/11643#c-1-7"},{"clause":null,"heading":"Introduction","page":1,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-terrorism-and-sabotage-insurance-irdan150cppr0026v01202425/document/11629#c-introduction"}],"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 documents only say the Excess or Deductible is as stated in the Risk Details or Policy Schedule; no amount is printed.","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 is non-cancellable by any parties on grounds other than insurer cancellation for misrepresentation, fraud, non-disclosure of material facts or non-cooperation. If the insurer cancels on those grounds, it is without refund of any premium.","display":"Non-cancellable by any parties on other grounds; insurer cancellation on specified grounds is without refund","note":null,"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":"15","heading":"POLICY-CANCELLATION","page":91,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-terrorism-and-sabotage-insurance-irdan150cppr0026v01202425/document/11647#c-15-2"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"not-stated","value":null,"display":null,"note":"Geographic cover is only stated by reference to Territorial Limits, Situation or countries named in the Risk Details/Policy Schedule.","quote":null,"sources":[],"law":[]},{"key":"subject_covered","label":"What is insured","section":"Cover","meaning":"The thing or risk this policy covers.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]}],"documents":[{"kind":"wording","label":"Terrorism and Sabotage Insurance - Endorsement - Policy Wordings (UIN - IRDAN150CPPR0026V01202425)","pages":3,"fetched_at":"2026-10-17 19:51:02+00","source_url":"https://www.libertyinsurance.in/Docx/Terrorism%20and%20Sabotage%20Insurance%20-%20Endorsement%20-%20Policy%20Wordings.pdf","url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-terrorism-and-sabotage-insurance-irdan150cppr0026v01202425/document/11635"},{"kind":"wording","label":"Terrorism and Sabotage Insurance - Liability Section - Policy Wordings (UIN - IRDAN150CPPR0026V01202425)","pages":17,"fetched_at":"2026-10-17 19:51:10+00","source_url":"https://www.libertyinsurance.in/Docx/Terrorism%20and%20Sabotage%20Insurance%20-%20Liability%20Section%20-%20Policy%20Wordings.pdf","url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-terrorism-and-sabotage-insurance-irdan150cppr0026v01202425/document/11638"},{"kind":"wording","label":"Terrorism and Sabotage Insurance - Political Violence Section - Policy Wordings (UIN - IRDAN150CPPR0026V01202425)","pages":102,"fetched_at":"2026-10-17 19:51:18+00","source_url":"https://www.libertyinsurance.in/Docx/Terrorism%20and%20Sabotage%20Insurance%20-%20Political%20Violence%20Section%20-%20Policy%20Wordings.pdf","url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-terrorism-and-sabotage-insurance-irdan150cppr0026v01202425/document/11643"},{"kind":"wording","label":"Terrorism and Sabotage Insurance - Property Damage Section - Policy Wordings (UIN - IRDAN150CPPR0026V01202425)","pages":99,"fetched_at":"2026-10-17 19:51:26+00","source_url":"https://www.libertyinsurance.in/Docx/Terrorism%20and%20Sabotage%20Insurance%20-%20Property%20Damage%20Section%20-%20Policy%20Wordings.pdf","url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-terrorism-and-sabotage-insurance-irdan150cppr0026v01202425/document/11647"},{"kind":"prospectus","label":"Liberty Terrorism and Sabotage Insurance - Prospectus (UIN - IRDAN150CPPR0026V01202425)","pages":25,"fetched_at":"2026-10-17 19:50:34+00","source_url":"https://www.libertyinsurance.in/Docx/Liberty%20Terrorism%20and%20Sabotage%20Insurance%20-%20Prospectus.pdf","url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-terrorism-and-sabotage-insurance-irdan150cppr0026v01202425/document/11629"},{"kind":"proposal","label":"Liberty Terrorism and Sabotage Insurance - Proposal Form (UIN - IRDAN150CPPR0026V01202425) (Effective From 31.03.25)","pages":null,"fetched_at":"2026-10-17 19:49:52+00","source_url":"https://www.libertyinsurance.in/Docx/Liberty%20Terrorism%20and%20Sabotage%20Insurance%20-%20Proposal%20Form.pdf","url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-terrorism-and-sabotage-insurance-irdan150cppr0026v01202425/document/30313"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Liberty General Insurance official website","url":"https://www.libertyinsurance.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":"Claims assistance","url":"https://www.libertyinsurance.in/claims/claims-assistance.html","note":null},{"purpose":"claim","kind":"insurer","name":"Health claims","url":"https://www.libertyinsurance.in/claims/health-claims.html","note":null},{"purpose":"claim","kind":"insurer","name":"Motor claims","url":"https://www.libertyinsurance.in/claims/motor-claims.html","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.libertyinsurance.in/customer-support/grievance-redressal.html","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":"Car insurance renewal","url":"https://www.libertyinsurance.in/products/motor-insurance/car-insurance-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":"Liberty Terrorism and Sabotage Insurance (UIN IRDAN150CPPR0026V01202425), IndiaInsurances, https://indiainsurances.com/policy/liberty-general-insurance/liberty-terrorism-and-sabotage-insurance-irdan150cppr0026v01202425"}