{"uin":"IRDAN152CP0001V02201920","name":"All Risks Secure","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/all-risks-secure-irdan152cp0001v02201920","insurer":{"slug":"zurich-kotak-general-insurance","name":"Zurich Kotak General Insurance Company (India) Limited","url":"https://indiainsurances.com/insurer/zurich-kotak-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":"All Risks Secure is a general insurance policy for insured property/items such as laptops, cameras, mobiles, jewellery, watches, paintings, curios and works of art against loss or damage from accidental means due to contingencies specified in the policy schedule. Cover is restricted to India unless the schedule says otherwise, and claims must be notified immediately in writing.","analysis":{"state":"machine","analysed_at":"2026-10-20 06:34:53.185285+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 plans or variants are printed in the provided wording or prospectus.","quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"not-stated","value":null,"display":null,"note":"The wording says the policy terminates at the end of the period of Insurance stated in the schedule, but the schedule period is not printed in the provided documents.","quote":null,"sources":[],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"Give immediate notice in writing to the nearest office with a copy to the policy issuing office; also deliver a detailed written statement with estimate within 14 days from discovery of the event causing loss or damage.","display":"Immediate written notice; detailed statement within 14 days from discovery","note":null,"quote":"give immediate notice thereof in writing to the nearest office with a copy to the Policy issuing office of the Company; ... deliver to the Company a detailed statement in writing regarding the loss or damage with an estimate of the intrinsic value of the property lost or the amount of damage caused to the property, as the case may be, within 14 days from the date of discovery of an event causing loss or damage to the property insured;","sources":[{"clause":"23(IV)(a)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/all-risks-secure-irdan152cp0001v02201920/document/18193#c-23-iv-a"},{"clause":"23(IV)(e)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/all-risks-secure-irdan152cp0001v02201920/document/18193#c-23-iv-e"}],"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":["complaint with the Police for offence(s) against property insured, if any committed","parts affected","detailed statement in writing regarding the loss or damage","estimate of the intrinsic value of the property lost or the amount of damage caused to the property","all reasonable information, assistance and proof"],"display":"Police complaint if any offence, affected parts for inspection, detailed written statement with estimate, and all reasonable information, assistance and proof","note":null,"quote":"lodge complaint with the Police for offence(s) against property insured, if any committed; ... preserve the parts affected and make them available for inspection by a representative or surveyor of the Company; ... deliver to the Company a detailed statement in writing regarding the loss or damage with an estimate of the intrinsic value of the property lost or the amount of damage caused to the property, as the case may be, within 14 days from the date of discovery of an event causing loss or damage to the property insured; ... tender to the Company all reasonable information, assistance and proof in connection with any claim.","sources":[{"clause":"23(IV)(b)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/all-risks-secure-irdan152cp0001v02201920/document/18193#c-23-iv-b"},{"clause":"23(IV)(d)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/all-risks-secure-irdan152cp0001v02201920/document/18193#c-23-iv-d"},{"clause":"23(IV)(e)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/all-risks-secure-irdan152cp0001v02201920/document/18193#c-23-iv-e"},{"clause":"23(IV)(f)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/all-risks-secure-irdan152cp0001v02201920/document/18193#c-23-iv-f"}],"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":"conflicting","value":"The policy wording says the company will settle the claim within 30 days from receipt of necessary documents required for assessing the claim, and reject within thirty days of the survey report or additional survey report.","display":"Within 30 days from receipt of necessary documents","note":"The prospectus says: \"Settlement of claims | Within 7 days of receipt of the survey report or after expiry of 15 days from allocation of the claim to the surveyor whichever is earlier*\" and adds that this timeline will not apply for policies issued on property/building on reinstatement value basis.","quote":"The Company will settle the claim under this policy within 30 days from the date of receipt of necessary documents required for assessing the claim. In the event that the Company decides to reject a claim made under this policy, the Company shall do so within a period of thirty days of the survey report or the additional survey report, as the case may be, in accordance with the provisions of IRDAI (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024 and subsequent amendments thereto. ... Settlement of claims | Within 7 days of receipt of the survey report or after expiry of 15\ndays from allocation of the claim to the surveyor whichever is earlier*","sources":[{"clause":"24","heading":"CLAIM SETTLEMENT: The Company will settle the claim under this","page":3,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/all-risks-secure-irdan152cp0001v02201920/document/18193#c-24"},{"clause":"23","heading":null,"page":3,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/all-risks-secure-irdan152cp0001v02201920/document/18469#c-23"}],"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":["war, invasion, act of foreign enemy hostilities or war like operations","volcanic eruption or other similar convulsion of nature and atmospheric disturbance","ionizing radiations contamination by radio activity","Wilful act or wilful negligence of the Insured or his representative(s)","immoral or unethical use of insured property","terms of the maintenance agreement","pressure wave caused by aircraft and other aerial devices travelling at sonic or supersonic speeds","Electromagnetic field (EMF) Exclusion","act of terrorism","Defective workmanship material or design, wear and tear depreciation","Mechanical and / or electrical breakdown and/or derangement","Consequential loss or legal liability of whatsoever nature","Any functioning or malfunctioning of the internet or similar facility","detention, confiscation, destruction or requisition by or under the order of any Government of public or local authority"],"display":"War and war-like operations; volcanic eruption or similar convulsion of nature; nuclear/radioactivity; wilful act or negligence; immoral or unethical use; maintenance agreement losses; sonic pressure waves; EMF; terrorism; defective workmanship/wear and tear; mechanical/electrical breakdown; consequential loss or legal liability; internet/data/software loss; government detention/confiscation/requisition","note":null,"quote":"The Policy does not cover: ... occasioned by or contributed to or traceable to or happening through in consequence of war, invasion, act of foreign enemy hostilities or war like operations whether war be declared or not, civil war, civil commotion, mutiny, rebellion, revolution, insurrection, conspiracy, military or usurped power. ... through or in consequence of volcanic eruption or other similar convulsion of nature and atmospheric disturbance. ... arising from ionizing radiations contamination by radio activity from any nuclear fuel or from any nuclear waste from the combustion of nuclear from any nuclear waste from the combustion of nuclear fuel or from any nuclear weapons material. ... Wilful act or wilful negligence of the Insured or his representative(s). ... and/ or legal liability arising out of immoral or unethical use of insured property. ... under the terms of the maintenance agreement. ... caused by aircraft and other aerial devices travelling at sonic or supersonic speeds. ... Electromagnetic field (EMF) Exclusion: The policy does not apply to, have no liability hereunder to the insured in respect of personal injury, bodily injury or illness of a person, loss or damage to property, or advertising liability arising out of, exposure to any electric, magnetic and/ or electromagnetic field ... This Policy excludes loss, damage, cost or expense of whatsoever nature directly or indirectly caused by, resulting from or in connection with any act of terrorism ... a) Defective workmanship material or design, wear and tear depreciation ... c) Mechanical and / or electrical breakdown and/or derangement, overloading or strain; overrunning excessive pressure, short circuiting and / or self -heating ... Consequential loss or legal liability of whatsoever nature. ... I) Any functioning or malfunctioning of the internet or similar facility, or of any intranet or private network or similar facility ... Loss or damage arising from detention, confiscation, destruction or requisition by or under the order of any Government of public or local authority.","sources":[{"clause":null,"heading":"EXCLUSIONS","page":1,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/all-risks-secure-irdan152cp0001v02201920/document/18193#c-exclusions"},{"clause":"1","heading":"Loss or damage directly or indirectly, proximately or remotely","page":1,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/all-risks-secure-irdan152cp0001v02201920/document/18193#c-1"},{"clause":"2","heading":"Loss or damage directly or indirectly, occasioned by or happening","page":1,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/all-risks-secure-irdan152cp0001v02201920/document/18193#c-2"},{"clause":"3","heading":"Loss or damage directly or indirectly caused by or contributed by or","page":1,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/all-risks-secure-irdan152cp0001v02201920/document/18193#c-3"},{"clause":"4","heading":null,"page":1,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/all-risks-secure-irdan152cp0001v02201920/document/18193#c-4"},{"clause":"5","heading":"Any loss or damage to the insured property or to the general public","page":1,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/all-risks-secure-irdan152cp0001v02201920/document/18193#c-5"},{"clause":"6","heading":"Loss of or damage to the property covered under this policy falling","page":1,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/all-risks-secure-irdan152cp0001v02201920/document/18193#c-6"},{"clause":"7","heading":"Loss, destruction or damage directly occasioned by pressure wave","page":1,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/all-risks-secure-irdan152cp0001v02201920/document/18193#c-7"},{"clause":"8","heading":"Electromagnetic field (EMF) Exclusion","page":1,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/all-risks-secure-irdan152cp0001v02201920/document/18193#c-8"},{"clause":"9","heading":"TERRORISM DAMAGE EXCLUSION WARRANTY","page":1,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/all-risks-secure-irdan152cp0001v02201920/document/18193#c-9"},{"clause":"11","heading":null,"page":1,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/all-risks-secure-irdan152cp0001v02201920/document/18193#c-11"},{"clause":"12","heading":null,"page":1,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/all-risks-secure-irdan152cp0001v02201920/document/18193#c-12"},{"clause":"13","heading":"Loss or damage arising from detention, confiscation, destruction or","page":1,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/all-risks-secure-irdan152cp0001v02201920/document/18193#c-13"}],"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":"For a query or grievance, contact the respective branch office, call 1800 2120, or write to care@zurichkotak.com. If not satisfied, contact grievanceofficer@zurichkotak.com, then seniorgrievanceofficer@zurichkotak.com / chiefgrievanceofficer@zurichkotak.com before approaching IRDAI or the Insurance Ombudsman.","display":"Branch office / 1800 2120 / care@zurichkotak.com, then Grievance Officer, then senior or chief grievance officer","note":null,"quote":"For resolution of any query or grievance, Insured may contact the respective branch office of the Company or may call toll free number 1800 2120 or may write an e- mail at care@zurichkotak.com. In case the Insured is not satisfied with the response, Insured may contact the Grievance Officer of the Company at grievanceofficer@zurichkotak.com. In case if the Insured is not satisfied with the solution the Grievance Officer has provided, Insured can write to seniorgrievanceofficer@zurichkotak.com / chiefgrievanceofficer@zurichkotak.com However, if the resolution provided by us is not satisfactory you may approach Insurance Regulatory and Development Authority of India (IRDAI) through the Bima Bharosa Portal:\nhttps://bimabharosa.irdai.gov.in.","sources":[{"clause":"26","heading":"GRIEVANCE","page":3,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/all-risks-secure-irdan152cp0001v02201920/document/18193#c-26"}],"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":["loss or damage from accidental means to properties due to contingencies specified in the policy schedule"],"display":"Loss or damage from accidental means to properties due to contingencies specified in the policy schedule","note":"The specific contingencies are stated to be in the policy schedule, which is not included in the provided documents.","quote":"All Risks Insurance cover a wide range of risks. In fact it covers loss or damage from accidental means to properties due to contingencies specified in the policy schedule.","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/all-risks-secure-irdan152cp0001v02201920/document/18469#c-s1"}],"law":[]},{"key":"deductible","label":"Deductible or excess","section":"Limits and co-pay","meaning":"Amount of each claim you bear.","status":"quote-verified","value":"Deductible of 5% of claim amount subject to minimum of Rs. 1,000 may be applied; any increase or decrease is subject to underwriters assessment depending on the nature of items/equipment, sum insured, geographical limit, profile and loss history.","display":"5% of claim amount subject to minimum Rs. 1,000 may be applied","note":"From the prospectus; the policy wording provided does not print a deductible amount.","quote":"Deductible of 5% of claim amount subject to min of Rs. 1,000 may be applied however any increase or decrease in deductible is subject to underwriters assessment depending on the nature of the items / equipment covered, sum insured, Geographical Limit, profile, loss history etc.","sources":[{"clause":"23","heading":null,"page":3,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/all-risks-secure-irdan152cp0001v02201920/document/18469#c-23"}],"law":[]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"The insured may cancel by giving 15 days' written notice. The company will retain premium for the period the policy was in force at its short period scales, provided no claim has occurred up to the cancellation date.","display":"15 days' written notice; short-period scale retention if no claim has occurred","note":null,"quote":"The Insured may also give 15 days' notice in writing, to the Company, for the cancellation of this Policy, in which case Company shall retain premium for the period this Policy has been in force at the Company's short period scales (Table given here below), provided no claim has occurred up to the date of cancellation of this Policy.","sources":[{"clause":"23(IV)(f)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/all-risks-secure-irdan152cp0001v02201920/document/18193#c-23-iv-f"}],"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 scope of coverage is restricted to the territorial limits of India unless specified otherwise in the Schedule.","display":"India, unless specified otherwise in the Schedule","note":null,"quote":"this policy will be restricted to the territorial limits of India unless specified otherwise in the Schedule.","sources":[{"clause":"25","heading":"GEOGRAPHICAL SCOPE: The geographical scope of coverage for","page":3,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/all-risks-secure-irdan152cp0001v02201920/document/18193#c-25"}],"law":[]},{"key":"subject_covered","label":"What is insured","section":"Cover","meaning":"The thing or risk this policy covers.","status":"quote-verified","value":"The policy covers property/items such as laptops, cameras, tablets, video & projectors, mobiles, personal belongings, gold & silver articles, Jewellery, watches, paintings, curios & works of arts and the like.","display":"Property/items including laptops, cameras, tablets, mobiles, personal belongings, jewellery, watches, paintings, curios and works of art","note":null,"quote":"This policy covers amongst other properties, , laptops, cameras, tablets, video & projectors, mobiles, personal belongings, gold & silver articles, Jewellery, watches, paintings, curios & works of arts and the like which are exposed not only to natural perils but also to risk perils.","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/all-risks-secure-irdan152cp0001v02201920/document/18469#c-s1"}],"law":[]}],"documents":[{"kind":"wording","label":"All Risks Secure - Endorsement Wording","pages":2,"fetched_at":"2026-10-17 20:02:54+00","source_url":"https://www.zurichkotak.com/docs/documents/commercial/others/all-risks-secure-endorsement-wording-zk-v1-24-25-06082024.pdf","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/all-risks-secure-irdan152cp0001v02201920/document/18081"},{"kind":"wording","label":"All Risks Secure - UIN (IRDAN152CP0001V02201920) (Commercial)","pages":4,"fetched_at":"2026-10-17 20:08:32+00","source_url":"https://cms.zurichkotak.com/uploads/3_All_Risks_Secure_Policy_Wording_Commercial_93d07255bc.pdf","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/all-risks-secure-irdan152cp0001v02201920/document/18193"},{"kind":"wording","label":"All Risks Secure - UIN (IRDAN152RP0001V02201819) (Retail)","pages":21,"fetched_at":"2026-10-17 20:23:45+00","source_url":"https://cms.zurichkotak.com/uploads/2_All_Risks_Secure_Policy_wording_Sanction_Retail_Website_4c03ad3f9b.pdf","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/all-risks-secure-irdan152cp0001v02201920/document/18461"},{"kind":"prospectus","label":"All Risks Secure-Prospectus- UIN(IRDAN152CP0001V02201920) (Commercial)","pages":5,"fetched_at":"2026-10-17 20:24:01+00","source_url":"https://cms.zurichkotak.com/uploads/All_risk_Prospectus_Commercial_Website_0f4dcbac7b_00024c8326.pdf","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/all-risks-secure-irdan152cp0001v02201920/document/18469"},{"kind":"prospectus","label":"All Risks Secure-Prospectus- UIN(IRDAN152RP0001V02201819) (RETAIL)","pages":5,"fetched_at":"2026-10-17 20:27:19+00","source_url":"https://cms.zurichkotak.com/uploads/12_All_Risks_Secure_Prospectus_e5efecdf87_1c9b633ab5.pdf","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/all-risks-secure-irdan152cp0001v02201920/document/18531"},{"kind":"cis","label":"All Risks Secure","pages":6,"fetched_at":"2026-10-17 20:14:56+00","source_url":"https://cms.zurichkotak.com/uploads/CIS_All_Risks_Secure_3df14eefc6_4621975dd1.pdf","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/all-risks-secure-irdan152cp0001v02201920/document/18312"}],"versions":[{"uin":"IRDAN152RP0001V02201819","version":null,"approved_on":null},{"uin":"IRDAN152CP0001V02201920","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Zurich Kotak General Insurance ( ) official website","url":"https://www.zurichkotak.com/","note":"Buy directly from the insurer."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"insurer","name":"Claims","url":"https://www.zurichkotak.com/services/claims","note":null},{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"insurer","name":"Grievance redressal process","url":"https://www.zurichkotak.com/customer-support/grievance-redressal-process","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":"Renewals","url":"https://www.zurichkotak.com/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":"All Risks Secure (UIN IRDAN152CP0001V02201920), IndiaInsurances, https://indiainsurances.com/policy/zurich-kotak-general-insurance/all-risks-secure-irdan152cp0001v02201920"}