{"uin":"IRDAN152CPLB0602V01202526","name":"Excess Follow Form for Casualty","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/excess-follow-form-for-casualty-irdan152cplb0602v01202526","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":"Excess Follow Form for Casualty is an excess casualty liability policy that indemnifies loss after underlying insurance has been exhausted and does not provide broader cover than the underlying insurance unless stated. The policy has Step Down and Costs Clause extensions, a written statement due within 30 days after awareness of a claim circumstance, and insured cancellation refund of pro rata 80% of premium for the unexpired period.","analysis":{"state":"machine","analysed_at":"2026-10-20 06:38:46.198928+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 printed; the wording lists extensions, not plans.","quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"not-stated","value":null,"display":null,"note":"The wording points to the Schedule or Primary Policy Schedule for the Period of Insurance, but no fixed duration 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 discovery of any personal injury, property damage loss or circumstance that may give rise to a claim, the insured must give written notice as soon as practicable after becoming aware and provide a written statement within 30 days thereafter.","display":"Notice in writing as soon as practicable; written statement within 30 days thereafter.","note":null,"quote":"Upon the discovery of any personal injury, or property damage loss or circumstance giving rise or which may give rise to a Claim (whether or not the Insured believes the Claim amount might fall below the applicable Deductible) under this Policy ... give notice in writing to the Company as soon as practicable after the Insured becomes aware of such loss or circumstance and within 30 days thereafter provide, at the Insured’s own expense, a written statement detailing or relevant information;","sources":[{"clause":"14","heading":"Notice and proof of claim","page":7,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/excess-follow-form-for-casualty-irdan152cplb0602v01202526/document/18505#c-14"}],"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":["a written statement detailing or relevant information","the cause and the amount of loss and any other proof or information with respect to the Claim","details of any other insurance covering or which may cover the same loss","any Claim, writ, summons, or full details of other relevant legal or other proceedings","preserve any product, appliance, plant or other items which might prove necessary or useful as evidence"],"display":"Written statement, cause and amount of loss, proof/information, other insurance details, legal papers, and preserved evidence items.","note":null,"quote":"a written statement detailing or relevant information; ... advise of the cause and the amount of loss and any other proof or information with respect to the Claim that may be reasonably required; ... furnish to Company details of any other insurance covering or which may cover the same loss; ... sending to Company any Claim, writ, summons, or full details of other relevant legal or other proceedings such as an impending prosecution or inquest Insured receives or become aware of; ... preserve any product, appliance, plant or other items which might prove necessary or useful as evidence until the Company has had an opportunity of inspection.","sources":[{"clause":"14","heading":"Notice and proof of claim","page":7,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/excess-follow-form-for-casualty-irdan152cplb0602v01202526/document/18505#c-14"},{"clause":null,"heading":"4. Claims assistance and cooperation","page":5,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/excess-follow-form-for-casualty-irdan152cplb0602v01202526/document/18505#c-4-claims-assistance-and-cooperation"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"not-stated","value":null,"display":null,"note":"The wording says the Company is not liable until Compensation is finally determined by judgment or written agreement, but it does not print a time limit for claim decision or payment.","quote":null,"sources":[],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["asbestos or asbestos products or asbestos contained in any products","war, invasion, acts of foreign enemies, hostilities or warlike operations","any Act of Terrorism","Government confiscation, nationalisation, requisition, damage or destruction of property, unless such destruction was undertaken to reduce the spread of fire","radioactivity or the use, existence or escape of any nuclear fuel, nuclear material, or nuclear waste or action of nuclear fission or fusion","action taken in controlling, preventing, suppressing, retaliating against, or responding to or in any way relating to the above","any liability which is the subject of any Sub-Limit in any Underlying Insurance specified in the Schedule of this Policy","fraudulent Claim, fraudulent means or devices, or damage occasioned by a wilful act of the Insured","sanction, prohibition or restriction under United Nations resolutions or trade or economic sanctions, laws or regulations"],"display":"Asbestos; war/terrorism/radioactivity; government confiscation; sub-limits; fraud; sanctions.","note":"Government destruction is excepted where undertaken to reduce the spread of fire. The radioactivity exclusion says it does not apply to liability from radio-isotopes, radium or radium compounds when used away from the place made or produced and exclusively incidental to ordinary industrial, educational, medical or research pursuits.","quote":"The Company shall not be liable under this policy in respect of any liability of whatsoever nature directly or indirectly caused by, in connection with or contributed to by or arising from: ... Any liability directly or indirectly caused by or contributed to by or arising from asbestos or asbestos products or asbestos contained in any products. ... a) war, invasion, acts of foreign enemies, hostilities or warlike operations (whether war be declared or not), civil war, rebellion, revolution, insurrection, civil commotion assuming the proportions of or amounting to an uprising, military or usurped power; ... b) any Act of Terrorism; ... c) any order of any Government, Public or Local Authority involving the confiscation, nationalisation, requisition, damage or destruction of any property unless such destruction was undertaken to reduce the spread of fire; or ... d) radioactivity or the use, existence or escape of any nuclear fuel, nuclear material, or nuclear waste or action of nuclear fission or fusion. ... This Policy also excludes any loss, destruction, damage, death, injury, illness, liability, cost or expense of any nature directly or indirectly caused by, contributed to by, resulting from or arising out of or in connection with any action taken in controlling, preventing, suppressing, retaliating against, or responding to or in any way relating to the above. ... This Policy does not indemnify the Insured in respect of any liability which is the subject of any Sub-Limit in any Underlying Insurance specified in the Schedule of this Policy. ... If any Claim upon this Policy be in any respect fraudulent, or if any fraudulent means or devices be used by the Insured, or if any damage be occasioned by a wilful act of the Insured or with their connivance, all benefit under this Policy shall be forfeited and the Policy void. ... The Company shall not be deemed to provide cover under this Policy or be liable to pay any Claim under the Policy to the extent that the provision of such cover or payment of such Claim would expose the Company to any sanction, prohibition or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations of the European Union, United Kingdom or United States of America or Switzerland.","sources":[{"clause":null,"heading":"Exclusions","page":3,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/excess-follow-form-for-casualty-irdan152cplb0602v01202526/document/18505#c-exclusions"},{"clause":null,"heading":"1. Asbestos","page":3,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/excess-follow-form-for-casualty-irdan152cplb0602v01202526/document/18505#c-1-asbestos"},{"clause":"2(a)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/excess-follow-form-for-casualty-irdan152cplb0602v01202526/document/18505#c-2-a-2"},{"clause":"2(b)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/excess-follow-form-for-casualty-irdan152cplb0602v01202526/document/18505#c-2-b-2"},{"clause":"2(c)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/excess-follow-form-for-casualty-irdan152cplb0602v01202526/document/18505#c-2-c"},{"clause":"2(d)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/excess-follow-form-for-casualty-irdan152cplb0602v01202526/document/18505#c-2-d"},{"clause":"1(b)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/excess-follow-form-for-casualty-irdan152cplb0602v01202526/document/18505#c-1-b"},{"clause":null,"heading":"8. Fraud","page":6,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/excess-follow-form-for-casualty-irdan152cplb0602v01202526/document/18505#c-8-fraud"},{"clause":"22","heading":"Sanctions Clause","page":8,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/excess-follow-form-for-casualty-irdan152cplb0602v01202526/document/18505#c-22"}],"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 the insurer's branch office, toll-free number 1800 2120 or 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 grievanceofficer@zurichkotak.com, then seniorgrievanceofficer@zurichkotak.com / chiefgrievanceofficer@zurichkotak.com.","note":null,"quote":"For resolution of any query or grievance, Insured may contact the respective branch office of the Insurer 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 Insurer 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.","sources":[{"clause":"24","heading":"Grievance Mechanisms","page":8,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/excess-follow-form-for-casualty-irdan152cplb0602v01202526/document/18505#c-24"}],"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 in excess of and after all Underlying Insurance has been exhausted by payment of any Compensation","Step Down Clause","Costs Clause"],"display":"Excess loss after underlying insurance is exhausted, with Step Down Clause and Costs Clause extensions.","note":"Coverage follows the Primary Policy and other Underlying Insurance limits, restrictions and exclusions; it is not broader than the reduced or exhausted Underlying Insurance unless expressly stated or agreed.","quote":"The Company shall indemnify the Insured for loss in excess of and after all Underlying Insurance has been exhausted by payment of any Compensation ... LIST OF EXTENSIONS: Sr No | Name of the Extensions | UIN\n1 | Step Down Clause | IRDAN152CPLB0602V01202526/A0603V01202526\n2 | Costs Clause | IRDAN152CPLB0602V01202526/A0604V01202526 ... This Policy shall not provide broader coverage than would be provided by any of the reduced or exhausted Underlying Insurance; except as otherwise expressly stated and/or agreed to in this Policy.","sources":[{"clause":null,"heading":"Insuring Clause","page":2,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/excess-follow-form-for-casualty-irdan152cplb0602v01202526/document/18505#c-insuring-clause"},{"clause":null,"heading":"Excess Liability Endorsement Schedule","page":12,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/excess-follow-form-for-casualty-irdan152cplb0602v01202526/document/18505#c-excess-liability-endorsement-schedule"}],"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 Deductible and Self Insured Retention as amounts specified in the Schedule, but no amount is printed in the provided documents.","quote":null,"sources":[],"law":[]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"The insured may cancel the policy at any time by written notice. On cancellation by the insured, the refund is pro rata of 80% of the premium for the unexpired Period of Insurance.","display":"Pro rata of 80% of premium for the unexpired Period of Insurance.","note":null,"quote":"a) The Insured may cancel this Policy at any time by giving notice in writing to us. ... c) Upon cancellation by the Insured a refund of premium will be allowed pro rata of 80% of the premium for the unexpired Period of Insurance;","sources":[{"clause":null,"heading":"3. Cancellation","page":5,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/excess-follow-form-for-casualty-irdan152cplb0602v01202526/document/18505#c-3-cancellation"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"not-stated","value":null,"display":null,"note":"The prospectus says the territory limits and jurisdiction follow the policy schedule and policy form, but no geographic area is printed.","quote":null,"sources":[],"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 the insured's loss in excess of, and after exhaustion of, underlying insurance by payment of compensation. It follows the primary and underlying insurance and does not provide broader coverage unless expressly stated or agreed.","display":"Excess casualty loss after underlying insurance has been exhausted by payment of Compensation.","note":null,"quote":"The Company shall indemnify the Insured for loss in excess of and after all Underlying Insurance has been exhausted by payment of any Compensation ... shall then apply in accordance with the Terms, Conditions, Exclusions and Endorsements of the Primary Policy, together with all Limitations, Restrictions or Exclusions contained in or added by Endorsement to any other Underlying Insurance ... This Policy shall not provide broader coverage than would be provided by any of the reduced or exhausted Underlying Insurance; except as otherwise expressly stated and/or agreed to in this Policy.","sources":[{"clause":null,"heading":"Insuring Clause","page":2,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/excess-follow-form-for-casualty-irdan152cplb0602v01202526/document/18505#c-insuring-clause"}],"law":[]}],"documents":[{"kind":"wording","label":"Excess Follow Form for Casualty-Policy Wordings- UIN (IRDAN152CPLB0602V01202526)","pages":13,"fetched_at":"2026-10-17 20:26:15+00","source_url":"https://cms.zurichkotak.com/uploads/Excess_Follow_Form_for_Casualty_Policy_Wordings_f65157f26f.pdf","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/excess-follow-form-for-casualty-irdan152cplb0602v01202526/document/18505"},{"kind":"prospectus","label":"Excess Follow Form for Casualty -Prospectus - UIN (IRDAN152CPLB0602V01202526)","pages":3,"fetched_at":"2026-10-17 20:21:48+00","source_url":"https://cms.zurichkotak.com/uploads/Prospectus_Excess_Follow_Form_Casualty_b80f10307d_4d224942c5.pdf","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/excess-follow-form-for-casualty-irdan152cplb0602v01202526/document/18419"},{"kind":"proposal","label":"Excess Follow Form for Casualty -Proposal Form - UIN (IRDAN152CPLB0602V01202526)","pages":null,"fetched_at":"2026-10-17 20:22:28+00","source_url":"https://cms.zurichkotak.com/uploads/Excess_Follow_Form_for_Casualty_Proposal_Form_020eee52fe.pdf","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/excess-follow-form-for-casualty-irdan152cplb0602v01202526/document/31946"},{"kind":"claim-form","label":"Excess Follow Form for Casualty -Claim Form - UIN (IRDAN152CPLB0602V01202526)","pages":null,"fetched_at":"2026-10-17 20:15:18+00","source_url":"https://cms.zurichkotak.com/uploads/Claim_Form_Excess_Follow_Form_Casualty_5591bbf292.pdf","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/excess-follow-form-for-casualty-irdan152cplb0602v01202526/document/31936"}],"versions":[],"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":"Excess Follow Form for Casualty (UIN IRDAN152CPLB0602V01202526), IndiaInsurances, https://indiainsurances.com/policy/zurich-kotak-general-insurance/excess-follow-form-for-casualty-irdan152cplb0602v01202526"}