{"uin":"IRDAN152CPLB0903V01202526","name":"Commercial Crime Insurance Plus","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/commercial-crime-insurance-plus-irdan152cplb0903v01202526","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":"Commercial Crime Insurance Plus indemnifies a company for financial loss from internal crime, external crime and electronic crime discovered during the period of insurance or extended discovery period. Claim notice must be given as soon as reasonably practicable after discovery, and no later than 30 days after expiry of the period of insurance or within the extended discovery period if applicable.","analysis":{"state":"machine","analysed_at":"2026-10-20 06:39:26.348507+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 insurance clauses and optional extensions, 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 says the Period of Insurance is specified in the Schedule; the schedule with dates or term is not provided.","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":"Written notice of any actual or potential Financial Loss must be given as soon as reasonably practicable after Discovery, and in all events no later than thirty (30) days after expiry of the Period of Insurance or within the Extended Discovery Period if applicable.","display":"As soon as reasonably practicable after Discovery, but no later than thirty (30) days after expiry of the Period of Insurance or within the Extended Discovery Period if applicable","note":null,"quote":"As a condition precedent to the Insurer’s liability under this Policy, the Company shall give written notice to the Insurer of any actual or potential Financial Loss, as soon as reasonably practicable after Discovery but in all events no later than thirty (30) days after the expiry of the Period of Insurance or within the Extended Discovery Period (if applicable).","sources":[{"clause":"6.1.1","heading":null,"page":17,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/commercial-crime-insurance-plus-irdan152cplb0903v01202526/document/18539#c-6-1-1"}],"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":["proof of Financial Loss","the basis on which the Company reasonably believes that the Financial Loss is covered under this Policy","any and all documentary evidence within the possession, custody or control of the Company","additional information in order to clarify or expand on any of the evidence provided by the Company"],"display":"Proof of Financial Loss, basis of coverage, supporting documentary evidence, and any additional information requested","note":null,"quote":"The Company shall, as soon as reasonably practicable, following notification in accordance with Section 6.1 above provide to the Insurer proof of Financial Loss. The proof of Financial Loss shall set out the basis on which the Company reasonably believes that the Financial Loss is covered under this Policy and shall include any and all documentary evidence within the possession, custody or control of the Company as is reasonably necessary to support that belief. At the Insurer’s request the Company shall provide the Insurer with additional information in order to clarify or expand on any of the evidence provided by the Company.","sources":[{"clause":"6.2","heading":"Proof of Loss","page":18,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/commercial-crime-insurance-plus-irdan152cplb0903v01202526/document/18539#c-6-2"}],"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":null,"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":["Discovered prior to the inception date of the Period of Insurance of this Policy","Discovered subsequent to the expiry of the Period of Insurance, unless the Extended Discovery Period is elected and applies","previous or related Wrongful Dishonest Act of an Employee","indirect or consequential loss of any kind","complete or partial non-payment of or default upon any Loan","voluntary giving or surrendering of Property, money or Securities in any exchange or purchase","kidnap, ransom or any threat thereof","accessing of any confidential information","costs, fees and other expenses incurred in establishing the existence or amount of Financial Loss","proof of such Financial Loss being incurred by the Company is solely dependent upon a profit and loss computation or comparison","Impersonation Fraud","Security Event","any person who, at the time of committing an act which results in a Financial Loss, owns or controls more than 5% of issued share capital of the Company"],"display":"Discovery outside the period, subsequent wrongful dishonest acts, indirect or consequential loss, credit default, voluntary exchange or purchase, kidnap and ransom, confidential information, proof and legal costs, profit/loss or inventory computation, impersonation fraud, security event, and shareholders over 5%","note":null,"quote":"Discovered prior to the inception date of the Period of Insurance of this Policy; ... Discovered subsequent to the expiry of the Period of Insurance, unless the Extended Discovery Period is elected and applies. ... arising out of or resulting directly or indirectly from a previous or related Wrongful Dishonest Act of an Employee committed after the time at which a Responsible Officer (not being, or acting in collusion with, that Employee) became aware of a previous Wrongful Dishonest Act of that Employee, unless the Insurer agrees in writing to waive the application of this Exclusion. ... which is indirect or consequential loss of any kind, except when covered under Extensions 2.4, 2.5, 2.6, 2.7 or 2.8; ... arising directly or indirectly out of or alleging the complete or partial non-payment of or default upon any Loan, whether procured in good faith or through trick, artifice, fraud or false pretences unless such Financial Loss is covered by Insurance Clauses 1.1, 1.2.2, 1.2.3 or 1.2.4. ... arising out of, based upon, attributable to, as a consequence of or resulting from, directly or indirectly the voluntary giving or surrendering (whether or not such giving or surrendering is induced by deception) of Property, money or Securities in any exchange or purchase, unless such Financial Loss is covered by Insurance Clauses 1.1, 1.2.2, 1.2.3, 1.2.4, 1.3 or Extension 2.1. ... arising out of or in connection with kidnap, ransom or any threat thereof. ... alleging, arising out of or resulting directly or indirectly from the accessing of any confidential information, including but not limited to trade secrets, customer information, patents, trademarks, trade names or copyrights, Electronic Data or computer programs, except to the extent that any such confidential information is used to support or facilitate the commission of an act covered under this Policy. ... resulting from costs, fees and other expenses incurred in establishing the existence or amount of Financial Loss covered under this Policy, or in prosecuting or defending any legal proceeding or incurred as a party to any legal proceeding, except as provided for under Extension 2.5 or 2.6. ... when the proof of such Financial Loss being incurred by the Company is solely dependent upon:\ni) a profit and loss computation or comparison; or\nii) a comparison of inventory records with a physical count. ... arising out of, based upon, attributable to, as a consequence of or resulting from, directly or indirectly Impersonation Fraud, except where covered under Insurance Clause 1.1 or Extension 2.1, 2.2, or 2.7 ... arising out of, based upon, attributable to, as a consequence of or resulting from, directly or indirectly, a Security Event, except when covered under Insurance Clause 1.1 or 1.3, or Extensions 2.1, 2.2, 2.6 or 2.7. ... when the perils, fraud, acts, omissions or events resulting in such Financial Loss involves any person who, at the time of committing an act which results in a Financial Loss, owns or controls more than 5% of issued share capital of the Company.","sources":[{"clause":"5.1.1","heading":null,"page":15,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/commercial-crime-insurance-plus-irdan152cplb0903v01202526/document/18539#c-5-1-1"},{"clause":"5.1.3","heading":null,"page":15,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/commercial-crime-insurance-plus-irdan152cplb0903v01202526/document/18539#c-5-1-3"},{"clause":"5.2","heading":"Subsequent Wrongful Dishonest Act","page":15,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/commercial-crime-insurance-plus-irdan152cplb0903v01202526/document/18539#c-5-2"},{"clause":"5.3.1","heading":null,"page":15,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/commercial-crime-insurance-plus-irdan152cplb0903v01202526/document/18539#c-5-3-1"},{"clause":"5.4","heading":"Credit Default","page":15,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/commercial-crime-insurance-plus-irdan152cplb0903v01202526/document/18539#c-5-4"},{"clause":"5.5","heading":"Voluntary Exchange or Purchase","page":15,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/commercial-crime-insurance-plus-irdan152cplb0903v01202526/document/18539#c-5-5"},{"clause":"5.6","heading":"Kidnap and Ransom","page":15,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/commercial-crime-insurance-plus-irdan152cplb0903v01202526/document/18539#c-5-6"},{"clause":"5.8","heading":"Confidential Information","page":16,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/commercial-crime-insurance-plus-irdan152cplb0903v01202526/document/18539#c-5-8"},{"clause":"5.9","heading":"Costs, Fees, Expenses","page":16,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/commercial-crime-insurance-plus-irdan152cplb0903v01202526/document/18539#c-5-9"},{"clause":"5.10","heading":"Profit, Loss or Inventory Computation","page":16,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/commercial-crime-insurance-plus-irdan152cplb0903v01202526/document/18539#c-5-10"},{"clause":"5.11","heading":"Impersonation Fraud","page":16,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/commercial-crime-insurance-plus-irdan152cplb0903v01202526/document/18539#c-5-11"},{"clause":"5.12","heading":"Security Event","page":16,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/commercial-crime-insurance-plus-irdan152cplb0903v01202526/document/18539#c-5-12"},{"clause":"5.14","heading":"Shareholders","page":16,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/commercial-crime-insurance-plus-irdan152cplb0903v01202526/document/18539#c-5-14"}],"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 insurer's branch office, toll free number 1800 2120, or care@zurichkotak.com first. If not satisfied, contact grievanceofficer@zurichkotak.com, then seniorgrievanceofficer@ zurichkotak.com or 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 or 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":"8","heading":"Grievance Mechanisms","page":22,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/commercial-crime-insurance-plus-irdan152cplb0903v01202526/document/18539#c-8"}],"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":["Wrongful Dishonest Act of an Employee","Theft","Forgery of any cheque, draft, promissory note or bill of exchange","Fraudulent Alteration","Counterfeiting","Crime not otherwise insured or excluded under this Insurance Clause","Computer Fraud committed by a third party"],"display":"Financial Loss from employee dishonest acts, external theft, forgery, fraudulent alteration, counterfeiting, other covered third-party crime, and computer fraud","note":"Extensions of Cover are only applicable if shown as operative in Section 3 of the Schedule.","quote":"The Insurer shall indemnify the Company for Financial Loss, first Discovered during the Period of Insurance or the Extended Discovery Period, if applicable, which results directly from a Wrongful Dishonest Act of an Employee, including any person acting in collusion with such Employee. ... Theft; ... Forgery of any cheque, draft, promissory note or bill of exchange given or received by the ... Fraudulent Alteration; ... Counterfeiting; or ... Crime not otherwise insured or excluded under this Insurance Clause where the third party ... The Insurer shall indemnify the Company for Financial Loss, first Discovered during the Period of Insurance or the Extended Discovery Period, if applicable, which results directly from Computer Fraud committed by a third party, other than an Employee or any person acting in collusion with such Employee. ... The following Extensions of Cover are only applicable if shown as operative in Section 3 of the Schedule, and are subject to all the terms, conditions, exclusions and limitations of this Policy:","sources":[{"clause":"1.1","heading":"Internal Crime","page":2,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/commercial-crime-insurance-plus-irdan152cplb0903v01202526/document/18539#c-1-1"},{"clause":"1.2.1","heading":null,"page":2,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/commercial-crime-insurance-plus-irdan152cplb0903v01202526/document/18539#c-1-2-1"},{"clause":"1.2.2","heading":"Forgery of any cheque, draft, promissory note or bill of exchange given or received by the","page":2,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/commercial-crime-insurance-plus-irdan152cplb0903v01202526/document/18539#c-1-2-2"},{"clause":"1.2.3","heading":null,"page":2,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/commercial-crime-insurance-plus-irdan152cplb0903v01202526/document/18539#c-1-2-3"},{"clause":"1.2.4","heading":"Counterfeiting; or","page":2,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/commercial-crime-insurance-plus-irdan152cplb0903v01202526/document/18539#c-1-2-4"},{"clause":"1.2.5","heading":"Crime not otherwise insured or excluded under this Insurance Clause where the third party","page":2,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/commercial-crime-insurance-plus-irdan152cplb0903v01202526/document/18539#c-1-2-5"},{"clause":"1.3","heading":"Electronic Crime","page":2,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/commercial-crime-insurance-plus-irdan152cplb0903v01202526/document/18539#c-1-3"},{"clause":"2","heading":"Extensions of Cover","page":2,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/commercial-crime-insurance-plus-irdan152cplb0903v01202526/document/18539#c-2"}],"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 policy calls the deductible a Retention and says the applicable amounts are specified in the Schedule; the schedule is not provided.","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 Policyholder may cancel during the Period of Insurance with ninety (90) days' written notice, unless a notice of Financial Loss or circumstances has already been reported. If cancelled by the Policyholder, the insurer retains the pro rata portion of earned premium, and cancellation is not allowed during the Extended Discovery Period once elected.","display":"90 days' written notice; insurer retains pro rata earned premium; no cancellation after a reported Financial Loss/circumstance or during elected Extended Discovery Period","note":null,"quote":"This Policy may be cancelled by the Policyholder during the Period of Insurance on behalf of the Company at any time during the Period of Insurance provided the Policyholder provides the Insurer with ninety (90) days written notice prior to the effective date of such cancellation of the Policyholder’s intent to cancel this Policy. The Policyholder shall not have the right to cancel this Policy if a notice of Financial Loss or circumstances has been reported under this Policy prior to the date of cancellation. If this Policy shall be cancelled by the Policyholder, the Insurer shall retain the pro rata portion of the earned premium for the Policy. This Policy may not be cancelled by the Policyholder during the Extended Discovery Period, once elected.","sources":[{"clause":"7.4","heading":"Cancellation","page":20,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/commercial-crime-insurance-plus-irdan152cplb0903v01202526/document/18539#c-7-4"}],"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 wording points to the Territorial Scope specified in the Schedule, and the prospectus says territorial limits follow the policy schedule; the actual territory is not provided.","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 Financial Loss first sustained by the Company, where Discovery first occurs during the Period of Insurance or Extended Discovery Period if applicable and the loss is notified as required.","display":"Financial Loss first sustained by the Company and first discovered during the policy period or Extended Discovery Period","note":null,"quote":"coverage under this Policy is afforded solely for Financial Loss first sustained by the Company and where Discovery first occurs during the Period of Insurance or the Extended Discovery Period (if applicable) and notified to the Insurer as required by this Policy. ... Financial Loss means direct financial loss sustained by the Company as a result of any single peril, fraud, act, omission or event (or related series of perils, frauds, acts, omissions or events) for which coverage is provided under this Policy.","sources":[{"clause":null,"heading":"COMMERCIAL CRIME INSURANCE PLUS Policy Wordings","page":2,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/commercial-crime-insurance-plus-irdan152cplb0903v01202526/document/18539#c-commercial-crime-insurance-plus-policy-wordings"},{"clause":null,"heading":"Financial Loss","page":10,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/commercial-crime-insurance-plus-irdan152cplb0903v01202526/document/18539#c-financial-loss"}],"law":[]}],"documents":[{"kind":"wording","label":"Commercial Crime Insurance Plus- UIN(IRDAN152CPLB0903V01202526)","pages":29,"fetched_at":"2026-10-17 20:27:37+00","source_url":"https://cms.zurichkotak.com/uploads/Commercial_Crime_Insurance_Plus_Policy_Wordings_617840db54.pdf","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/commercial-crime-insurance-plus-irdan152cplb0903v01202526/document/18539"},{"kind":"wording","label":"Commercial Crime Insurance Plus - Endorsement Wordings","pages":40,"fetched_at":"2026-10-17 20:27:39+00","source_url":"https://cms.zurichkotak.com/uploads/Endorsement_Wordings_Crime_Plus_12ebda1845.pdf","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/commercial-crime-insurance-plus-irdan152cplb0903v01202526/document/18541"},{"kind":"prospectus","label":"Commercial Crime Insurance Plus- UIN(IRDAN152CPLB0903V01202526)","pages":6,"fetched_at":"2026-10-17 20:25:01+00","source_url":"https://cms.zurichkotak.com/uploads/Prospectus_Crime_Plus_b252f85eb3_4939f76009.pdf","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/commercial-crime-insurance-plus-irdan152cplb0903v01202526/document/18483"}],"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":"Commercial Crime Insurance Plus (UIN IRDAN152CPLB0903V01202526), IndiaInsurances, https://indiainsurances.com/policy/zurich-kotak-general-insurance/commercial-crime-insurance-plus-irdan152cplb0903v01202526"}