{"uin":"IRDAN150RP0003V01202021","name":"Liberty Jewels Insurance Policy","url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-jewels-insurance-policy-irdan150rp0003v01202021","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":"Main product","kind":"product","status":"active","approved_on":"2020-02-09","withdrawn_on":null,"summary":"Liberty Jewels Insurance Policy insures jewellery-business property at the insured premises against all risks of direct physical loss or damage, subject to the policy terms and exclusions. Claims must be intimated within 24 hours, and cancellation by the insured uses short-rate refunds of 75%, 50%, 25% or Nil based on the period of cover.","analysis":{"state":"machine","analysed_at":"2026-10-20 02:01:52.271297+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 mandatory and optional policy 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 policy period is defined by the effective and expiry dates shown in the Schedule; no fixed policy term is printed.","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":"Upon any event giving rise to a claim, the insured must contact the Company and intimate the claim within 24 hours.","display":"Within 24 hours of the event giving rise to a claim","note":null,"quote":"Upon the happening of any event giving rise to a claim, the insured shall within 24 hours contact the Company and intimate the claim.","sources":[{"clause":null,"heading":"16. Claim Settlement Process","page":21,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-jewels-insurance-policy-irdan150rp0003v01202021/document/11732#c-16-claim-settlement-process"}],"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 signed by the insured","Fire Brigade Report in case of Fire","Police report (FIR) for Theft and Burglary Claims","Police Final Investigation Report for Theft and Burglary Claims","Bills and invoices, valuation reports etc required to support and substantiate the claim amount","NEFT details & cancelled cheque","Any other document deemed necessary to establish the loss or its quantum depending upon the nature of claim"],"display":"Claim form, fire brigade report for fire, FIR and final police investigation report for theft/burglary, bills/invoices/valuation reports, NEFT details and cancelled cheque, and any other necessary document","note":"The policy says these documents are to be submitted within 7 days of the occurrence of loss.","quote":"In event of a claim arising under this Policy, the Insured shall arrange for submission of the following documents to the Company with in 7 days of the occurrence of loss: ... Duly completed claim form signed by the insured, detailing the loss or damage that has occurred and an estimate of the quantum of any claim along with all documentation required to support and substantiate the amount sought from the Company, and; ... Fire Brigade Report in case of Fire ... Police report (FIR) for Theft and Burglary Claims ... Police Final Investigation Report for Theft and Burglary Claims ... Bills and invoices, valuation reports etc required to support and substantiate the claim amount ... NEFT details & cancelled cheque ... Any other document deemed necessary to establish the loss or its quantum depending upon the nature of claim.","sources":[{"clause":"22(II)(e)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-jewels-insurance-policy-irdan150rp0003v01202021/document/11732#c-22-ii-e"},{"clause":"22(II)(a)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-jewels-insurance-policy-irdan150rp0003v01202021/document/11732#c-22-ii-a-12"},{"clause":"22(II)(b)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-jewels-insurance-policy-irdan150rp0003v01202021/document/11732#c-22-ii-b-12"},{"clause":"22(II)(c)","heading":null,"page":22,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-jewels-insurance-policy-irdan150rp0003v01202021/document/11732#c-22-ii-c-9"},{"clause":"22(II)(d)","heading":null,"page":22,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-jewels-insurance-policy-irdan150rp0003v01202021/document/11732#c-22-ii-d-5"},{"clause":"22(II)(e)","heading":null,"page":22,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-jewels-insurance-policy-irdan150rp0003v01202021/document/11732#c-22-ii-e-2"},{"clause":"22(II)(f)","heading":null,"page":22,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-jewels-insurance-policy-irdan150rp0003v01202021/document/11732#c-22-ii-f"},{"clause":"22(II)(g)","heading":null,"page":22,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-jewels-insurance-policy-irdan150rp0003v01202021/document/11732#c-22-ii-g"}],"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":"On receipt of the survey report or additional survey report, the Company must offer settlement within 30 days. After the insured accepts the settlement offer, payment must be made within 7 days.","display":"Settlement offer within 30 days of survey/additional survey report; payment within 7 days of acceptance","note":"The same clause also says delay in payment carries interest at 2% above the bank rate from receipt of the last relevant and necessary document until actual payment.","quote":"On receipt of the survey report or the additional survey report, as the case may be, the Company shall within a period of 30 days offer a settlement of the claim to the Insured. ... Upon acceptance of an offer of settlement by the insured, the payment of the amount due shall be made within 7 days from the date of acceptance of the offer by the insured.","sources":[{"clause":"22(II)(g)","heading":null,"page":22,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-jewels-insurance-policy-irdan150rp0003v01202021/document/11732#c-22-ii-g"}],"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 by theft or dishonesty or deception committed by any servant or traveller or messenger","Loss or damage to property insured which may be sustained whilst the same is being worked upon","earthquake, volcanic eruption or other convulsions of nature","Goods missing at stocktaking","Loss or damage to property insured whilst the same is being worn or used by Insured","Loss of or damage to property insured whilst at any Public Exhibition","Theft or disappearance of or from road vehicles","Loss or damage to goods transported by or intended for transport by Post, Rail, Air, Armored Car Service or Courier Service","Radioactive Contamination and Explosive Nuclear Assemblies Exclusion Clause","war, invasion, acts of foreign enemies, hostilities","act of terrorism","Kimberley Process Exclusion Clause","delay, loss of market, loss of use or consequential loss","wear and tear, gradual deterioration, inherent vice, latent defect","loss, damage, destruction, distortion, erasure, corruption or alteration of ELECTRONIC DATA"],"display":"Main exclusions include employee/customer/broker theft or dishonesty, property being worked upon, earthquake unless opted, missing stock, property being worn or used, public exhibitions unless endorsed, unattended vehicle theft, postal/rail/air/courier transit, nuclear/radioactive risks, war, terrorism, Kimberley Process breach, consequential loss, wear and tear, and electronic data loss.","note":null,"quote":"Loss or damage by theft or dishonesty or deception committed by any servant or traveller or messenger in Insured’s exclusive employment or by any customer or broker or broker’s customers ... Loss or damage to property insured which may be sustained whilst the same is being worked upon and directly resulting therefrom. ... Any loss or damage occasioned by or through or in consequence directly or indirectly by earthquake, volcanic eruption or other convulsions of nature (Unless specifically opted for on payment of additional premium & endorsed on the Policy) ... Goods missing at stocktaking in respect of which no claim has been previously notified ... Loss or damage to property insured whilst the same is being worn or used by Insured ... Loss of or damage to property insured whilst at any Public Exhibition ... Theft or disappearance of or from road vehicles of every description ... Loss or damage to goods transported by or intended for transport by Post, Rail, Air, Armored Car Service or Courier Service ... Radioactive Contamination and Explosive Nuclear Assemblies Exclusion Clause. ... war, invasion, acts of foreign enemies, hostilities ... act of terrorism ... Kimberley Process Exclusion Clause ... Loss or damage directly or indirectly caused by or resulting from delay, loss of market, loss of use or consequential loss. ... Loss or damage directly or indirectly caused by or resulting from wear and tear, gradual deterioration, inherent vice, latent defect ... This Policy does not insure loss, damage, destruction, distortion, erasure, corruption or alteration of ELECTRONIC DATA","sources":[{"clause":"1","heading":null,"page":7,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-jewels-insurance-policy-irdan150rp0003v01202021/document/11732#c-1-3"},{"clause":"2","heading":null,"page":7,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-jewels-insurance-policy-irdan150rp0003v01202021/document/11732#c-2-3"},{"clause":"3","heading":null,"page":7,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-jewels-insurance-policy-irdan150rp0003v01202021/document/11732#c-3-3"},{"clause":"4","heading":null,"page":7,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-jewels-insurance-policy-irdan150rp0003v01202021/document/11732#c-4-3"},{"clause":"5","heading":null,"page":7,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-jewels-insurance-policy-irdan150rp0003v01202021/document/11732#c-5-3"},{"clause":"6","heading":null,"page":7,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-jewels-insurance-policy-irdan150rp0003v01202021/document/11732#c-6-2"},{"clause":"7","heading":null,"page":7,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-jewels-insurance-policy-irdan150rp0003v01202021/document/11732#c-7-2"},{"clause":"8","heading":null,"page":7,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-jewels-insurance-policy-irdan150rp0003v01202021/document/11732#c-8-2"},{"clause":"12","heading":null,"page":7,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-jewels-insurance-policy-irdan150rp0003v01202021/document/11732#c-12-2"},{"clause":"13","heading":"War and Civil War Exclusion Clause","page":7,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-jewels-insurance-policy-irdan150rp0003v01202021/document/11732#c-13-2"},{"clause":"14","heading":"Terrorism Exclusion Clause","page":8,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-jewels-insurance-policy-irdan150rp0003v01202021/document/11732#c-14-2"},{"clause":"15","heading":"Kimberley Process Exclusion Clause","page":8,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-jewels-insurance-policy-irdan150rp0003v01202021/document/11732#c-15-2"},{"clause":"18","heading":null,"page":8,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-jewels-insurance-policy-irdan150rp0003v01202021/document/11732#c-18-2"},{"clause":"19","heading":null,"page":8,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-jewels-insurance-policy-irdan150rp0003v01202021/document/11732#c-19-2"},{"clause":"22(a)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-jewels-insurance-policy-irdan150rp0003v01202021/document/11732#c-22-a"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":["all risks of direct physical loss of or damage howsoever caused to the property described herein","Loss of or damage to Diamond and Gems including studded Jewellery","whilst in transit","whilst participating in a domestic and/or international exhibition","all risks of direct physical loss of or damage howsoever caused to the building, office furniture, fixtures, fittings and other property","direct pecuniary loss sustained by reason of any act of fraud / dishonesty committed by the Employee/third party","Plate Glass described in the Schedule accidentally Damaged","damage to any signage due to any fortuitous event","unforeseen and sudden physical loss or damage from any cause, other than those specifically excluded","Fire, Riot and Strike, Burglary, Theft or Accident","Injury by accident arising out of and in the course of his employment in the Business"],"display":"All risks of direct physical loss or damage to insured jewellery-business property at the premises; optional sections cover outside premises, transit, exhibitions, other property, infidelity, plate glass, signage, electronic equipment, portable equipment and employee compensation if opted","note":"Section I is mandatory. The other listed sections apply only if opted by the insured and shown on the schedule.","quote":"(Mandatory Section) ... This Insurance insures against all risks of direct physical loss of or damage howsoever caused to the property described herein ... (Applicable only if opted by the insured and shown on the schedule)\nLoss of or damage to Diamond and Gems including studded Jewellery ... whilst in transit ... whilst participating in a domestic and/or international exhibition ... all risks of direct physical loss of or damage howsoever caused to the building, office furniture, fixtures, fittings and other property ... direct pecuniary loss sustained by reason of any act of fraud / dishonesty committed by the Employee/third party ... Plate Glass described in the Schedule accidentally Damaged ... damage to any signage due to any fortuitous event ... unforeseen and sudden physical loss or damage from any cause, other than those specifically excluded ... Fire, Riot and Strike, Burglary, Theft or Accident ... Injury by accident arising out of and in the course of his employment in the Business","sources":[{"clause":"Section I","heading":"PROPERTY AT THE INSURED’S PREMISES","page":3,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-jewels-insurance-policy-irdan150rp0003v01202021/document/11732#c-section-i"},{"clause":"Section II","heading":"PROPERTY OUTSIDE THE INSURED’S PREMISES","page":3,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-jewels-insurance-policy-irdan150rp0003v01202021/document/11732#c-section-ii"},{"clause":"Section III","heading":"TRANSIT INSURANCE","page":4,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-jewels-insurance-policy-irdan150rp0003v01202021/document/11732#c-section-iii"},{"clause":"Section IV","heading":"INSURED PROPERTY DURING EXHIBITION","page":4,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-jewels-insurance-policy-irdan150rp0003v01202021/document/11732#c-section-iv"},{"clause":"Section V","heading":"OTHER PROPERTY","page":4,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-jewels-insurance-policy-irdan150rp0003v01202021/document/11732#c-section-v"},{"clause":"Section VI","heading":"INFIDELITY OF THE EMPLOYEES / THIRD PARTY","page":4,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-jewels-insurance-policy-irdan150rp0003v01202021/document/11732#c-section-vi"},{"clause":"Section VII","heading":"PLATE GLASS","page":5,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-jewels-insurance-policy-irdan150rp0003v01202021/document/11732#c-section-vii"},{"clause":"Section VIII","heading":"SIGNAGE","page":5,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-jewels-insurance-policy-irdan150rp0003v01202021/document/11732#c-section-viii"},{"clause":"Section IX","heading":"ELECTRONIC EQUIPMENT INSURANCE","page":5,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-jewels-insurance-policy-irdan150rp0003v01202021/document/11732#c-section-ix"},{"clause":"Section X","heading":"PORTABLE EQUIPMENTS","page":5,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-jewels-insurance-policy-irdan150rp0003v01202021/document/11732#c-section-x"},{"clause":"Section XI","heading":"EMPLOYEE COMPENSATION","page":6,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-jewels-insurance-policy-irdan150rp0003v01202021/document/11732#c-section-xi"}],"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 Excess as the first part of any claim for which the insured is responsible, but does not state the amount; the terrorism extension says the excess is as per the Policy Schedule.","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 the insured cancels in writing, premium is adjusted on a short-rate basis: up to 1 Month, 75% refund; up to 3 Months, 50% refund; up to 6 Months, 25% refund; exceeding Six Months, Nil. No refund is due if the insured has made a claim.","display":"Refund: 75% up to 1 Month, 50% up to 3 Months, 25% up to 6 Months, Nil after Six Months; no refund if a claim was made","note":null,"quote":"This Insurance may be cancelled at any time at the request of the Assured in writing to Insurer and the premium hereon shall be adjusted on the basis of the Underwriters receiving or retaining the customary short rate premium as per Table of refund attached:\nPeriod of cover upto | Refund of Annual Premium Rate (%)\n1 Month | 75%\n3 Months | 50%\n6 Months | 25%\nExceeding Six Months | Nil ... However, no refund of premium shall be due on cancellation if the Insured has made a claim under this Policy.","sources":[{"clause":null,"heading":"8. Periods and End of Insurance","page":20,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-jewels-insurance-policy-irdan150rp0003v01202021/document/11732#c-8-periods-and-end-of-insurance"}],"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 limits are INDIAN territory unless otherwise specified. For sections other than Section I, losses arising elsewhere than in India are not payable unless agreed in advance by the Company and consideration is paid.","display":"INDIAN territory, unless otherwise specified; outside India only if agreed in advance and consideration paid","note":"The all-sections territorial limit also restricts indemnity to claims brought in India and payment in Indian Rupees.","quote":"It means INDIAN territory, unless otherwise specified. ... The Company shall not be liable in respect of losses arising elsewhere than in India, unless agreed in advance by the Company and consideration being paid.","sources":[{"clause":"17","heading":"Geographical Limits","page":2,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-jewels-insurance-policy-irdan150rp0003v01202021/document/11732#c-17"},{"clause":null,"heading":"EXCLUSIONS (APPLICABLE TO ALL SECTIONS EXCEPT SECTION I)","page":12,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-jewels-insurance-policy-irdan150rp0003v01202021/document/11732#c-exclusions-applicable-to-all-sections-except-sec"}],"law":[]},{"key":"subject_covered","label":"What is insured","section":"Cover","meaning":"The thing or risk this policy covers.","status":"quote-verified","value":"The mandatory insured property is jewellery-business stock and related property at the insured premises, including diamond and gems, studded jewellery, gold or silver ornaments or plate, pearls, precious stones, other merchandise and material usual to the insured’s business, and bank notes or scrip, whether owned by or entrusted to the insured.","display":"Jewellery-business stock and related property at the insured premises, whether owned or entrusted","note":null,"quote":"(Mandatory Section) The property insured:\nDiamond and gems including studded Jewellery, Gold or Silver ornaments or Plate, Pearls and Precious stones of any sort or kind whatsoever and/or other merchandise and material usual to the conduct of Insured’s business, bank notes or scrip, whether the same be Insured’s property or that entrusted to Insured/Insured’s custody on sale or return or on approbation or for work to be done thereon or for safe custody or for any other purpose whatsoever.","sources":[{"clause":"Section I","heading":"PROPERTY AT THE INSURED’S PREMISES","page":3,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-jewels-insurance-policy-irdan150rp0003v01202021/document/11732#c-section-i"}],"law":[]}],"documents":[{"kind":"wording","label":"Liberty Jewels Insurance Policy - Policy Wordings (UIN - IRDAN150RP0003V01202021)","pages":30,"fetched_at":"2026-10-17 19:57:38+00","source_url":"https://www.libertyinsurance.in/Docx/IRDAN150RP0003V01202021_Liberty%20Jewels%20Insurance%20Policy%20-%20Policy%20Wordings_Revised1.pdf","url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-jewels-insurance-policy-irdan150rp0003v01202021/document/11732"},{"kind":"wording","label":"Liberty Jewels Insurance Policy (IRDAI copy)","pages":32,"fetched_at":"2026-10-20 01:35:54+00","source_url":"https://irdai.gov.in/documents/37343/993134/IRDAN150RP0003V01202021_GEN4006.pdf/182dd86d-ce67-c8cf-8366-7535d9f8bb4c?version=1.1&t=1668244798345&download=true","url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-jewels-insurance-policy-irdan150rp0003v01202021/document/26804"},{"kind":"prospectus","label":"Liberty Jewels Insurance Policy - Prospectus (UIN - IRDAN150RP0003V01202021)","pages":20,"fetched_at":"2026-10-17 19:55:14+00","source_url":"https://www.libertyinsurance.in/Docx/20_IRDAN150RP0003V01202021_Liberty%20Jewels%20Insurance%20Policy_Prospectus.pdf","url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-jewels-insurance-policy-irdan150rp0003v01202021/document/11691"}],"versions":[{"uin":"GEN4006","version":null,"approved_on":null},{"uin":"IRDAN150RP0003V01202021","version":null,"approved_on":null}],"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 Jewels Insurance Policy (UIN IRDAN150RP0003V01202021), IndiaInsurances, https://indiainsurances.com/policy/liberty-general-insurance/liberty-jewels-insurance-policy-irdan150rp0003v01202021"}