{"uin":"IRDAN152CPLB1074V01202526","name":"Public Offering of Securities Insurance","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/public-offering-of-securities-insurance-irdan152cplb1074v01202526","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":"Public Offering of Securities Insurance covers Financial Loss resulting directly from Offering Claims first made against an Insured during the Period of Insurance and notified as required. Offering Claims must be reported in writing as soon as reasonably practicable after specified officers become aware, and no later than thirty (30) days after expiry of the Period of Insurance.","analysis":{"state":"machine","analysed_at":"2026-10-20 06:39:43.033949+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 list insurance clauses and extensions, but do not state named 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 defines Period of Insurance as the period specified in the Schedule, but the Schedule is not included.","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":"Offering Claims must be reported in writing as soon as reasonably practicable after the specified Policyholder officer first becomes aware, and no later than thirty (30) days after expiry of the Period of Insurance. If an Official Body prohibits disclosure, the Insured must advise the Insurer and provide permitted information within thirty (30) days from being allowed to disclose.","display":"As soon as reasonably practicable; no later than thirty (30) days after expiry of the Period of Insurance","note":null,"quote":"The Insurer shall only be liable under this Policy for Offering Claims that have been reported to the Insurer in writing as soon as reasonably practicable after the Policyholder’s Chief Legal Counsel, General Counsel, Chief Risk Officer, Risk or Insurance Manager or equivalent officer first becomes aware of such Offering Claim, but no later than thirty (30) days after the expiry of the Period of Insurance. ... If an Insured is unable to notify the Insurer as set forth clause in 6.1.1. above as a result of a specific direction or prohibition from disclosing information by an Official Body: ... a) the Insured shall advise the Insurer of the existence of the non-disclosure agreement and provide full disclosure of relevant information as permitted by an Official Body within thirty (30) days from being allowed to make such disclosure by the Official Body;","sources":[{"clause":"6.1.1","heading":null,"page":20,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/public-offering-of-securities-insurance-irdan152cplb1074v01202526/document/18548#c-6-1-1"},{"clause":"6.1.2","heading":null,"page":20,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/public-offering-of-securities-insurance-irdan152cplb1074v01202526/document/18548#c-6-1-2"},{"clause":"6.1.2(a)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/public-offering-of-securities-insurance-irdan152cplb1074v01202526/document/18548#c-6-1-2-a"}],"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 description of the Offering Claim","the nature of the alleged or potential Financial Loss","the details of the actual or potential claimants","the date and manner in which the Insured, first became aware of the Offering Claim"],"display":"Description of the Offering Claim, nature of alleged or potential Financial Loss, details of actual or potential claimants, and date and manner of first awareness","note":null,"quote":"Written notice under this section shall include, but not be limited to, a description of the Offering Claim, the nature of the alleged or potential Financial Loss, the details of the actual or potential claimants and the date and manner in which the Insured, first became aware of the Offering Claim as defined in Definition 4.37.","sources":[{"clause":"6.1.1","heading":null,"page":20,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/public-offering-of-securities-insurance-irdan152cplb1074v01202526/document/18548#c-6-1-1"}],"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 states defence costs may be advanced as and when incurred, but does not state a time limit for deciding or paying claims.","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":["an Insured gaining any profit, remuneration or financial or non-financial benefit or advantage to which such Insured was not legally entitled","any deliberately fraudulent act or omission or any wilful violation of any statute or regulation committed by an Insured","any act, event, fact or Interrelated Acts, circumstance or claim or other matter which has been the subject of or contained in any written notice given under any insurance policy","that is an Underwriter, except as is provided under Cover 1.4","indemnification of any Underwriter, unless such indemnification was in respect of a liability of the Underwriter which arose from any actual or alleged untrue or misleading statement, information, or omission by any Insured","cover or payment of such Claim would expose the Insurer to any sanction, prohibition or restriction","notice of any Financial Loss or Offering Claim, as set forth in Section 6 of this Policy, knowing same to be false or fraudulent"],"display":"Conduct; prior and pending claims or notifications; underwriter professional indemnity; sanctions; fraudulent claims","note":null,"quote":"an Insured gaining any profit, remuneration or financial or non-financial benefit or advantage to which such Insured was not legally entitled; or ... any deliberately fraudulent act or omission or any wilful violation of any statute or regulation committed by an Insured ... arising out of, based upon, in connection with, attributable to or as a consequence of any act, event, fact or Interrelated Acts, circumstance or claim or other matter which has been the subject of or contained in any written notice given under any insurance policy ... that is an Underwriter, except as is provided under Cover 1.4; ... for indemnification of any Underwriter, unless such indemnification was in respect of a liability of the Underwriter which arose from any actual or alleged: ... a) untrue or misleading statement or information provided by any Insured in; or ... b) omission by any Insured from, ... The Insurer 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 Insurer to any sanction, prohibition or restriction ... If the Insured shall give notice of any Financial Loss or Offering Claim, as set forth in Section 6 of this Policy, knowing same to be false or fraudulent","sources":[{"clause":"5.1.1","heading":null,"page":19,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/public-offering-of-securities-insurance-irdan152cplb1074v01202526/document/18548#c-5-1-1"},{"clause":"5.1.2","heading":null,"page":19,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/public-offering-of-securities-insurance-irdan152cplb1074v01202526/document/18548#c-5-1-2"},{"clause":"5.2","heading":"Prior and Pending Claims or Notifications","page":19,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/public-offering-of-securities-insurance-irdan152cplb1074v01202526/document/18548#c-5-2"},{"clause":"5.3.1","heading":"that","page":20,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/public-offering-of-securities-insurance-irdan152cplb1074v01202526/document/18548#c-5-3-1"},{"clause":"5.3.2","heading":null,"page":20,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/public-offering-of-securities-insurance-irdan152cplb1074v01202526/document/18548#c-5-3-2"},{"clause":"5.3.2(a)","heading":null,"page":20,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/public-offering-of-securities-insurance-irdan152cplb1074v01202526/document/18548#c-5-3-2-a"},{"clause":"5.3.2(b)","heading":null,"page":20,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/public-offering-of-securities-insurance-irdan152cplb1074v01202526/document/18548#c-5-3-2-b"},{"clause":"8","heading":"Sanctions Clause","page":28,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/public-offering-of-securities-insurance-irdan152cplb1074v01202526/document/18548#c-8"},{"clause":"7.8","heading":"Fraudulent Claims","page":25,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/public-offering-of-securities-insurance-irdan152cplb1074v01202526/document/18548#c-7-8"}],"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 respective branch office, call 1800 2120, or email care@zurichkotak.com. If not satisfied, contact grievanceofficer@zurichkotak.com, then write to seniorgrievanceofficer@zurichkotak.com or chiefgrievanceofficer@zurichkotak.com.","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, Company 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 Company is not satisfied with the response, Company may contact the Grievance Officer of the Zurich Kotak General Insurance Company (India) Limited at grievanceofficer@zurichkotak.com. In case if the Company is not satisfied with the solution the Grievance Officer has provided, Company can write to seniorgrievanceofficer@zurichkotak.com/ chiefgrievanceofficer@zurichkotak.com.","sources":[{"clause":"9","heading":"Grievance Redressal","page":28,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/public-offering-of-securities-insurance-irdan152cplb1074v01202526/document/18548#c-9"}],"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":["Financial Loss (including Pre-Offering Claim Costs) that arises from an Offering Claim (including an Investigation) made against such Insured Person","that portion of the Financial Loss that arises from an Offering Claim (including an Investigation) made against an Insured Person or any natural person Insured","Financial Loss that arises from an Offering Claim made against such Company","Financial Loss that arises from an Offering Claim made against an Underwriter","Financial Loss, arising from an Offering Claim made against such Controlling Shareholder","Financial Loss, arising from an Offering Claim made against such Selling Shareholder"],"display":"Financial Loss from Offering Claims against insured persons, the company, underwriters, controlling shareholders and selling shareholders","note":null,"quote":"The Insurer shall pay to or on behalf of an Insured Person the Financial Loss (including Pre-Offering Claim Costs) that arises from an Offering Claim (including an Investigation) made against such Insured Person, except to the extent that such Insured is indemnified by the Company. ... The Insurer shall pay to or on behalf of the Company that portion of the Financial Loss that arises from an Offering Claim (including an Investigation) made against an Insured Person or any natural person Insured, but only to the extent that such Company has indemnified such Insured. ... The Insurer shall pay to or on behalf of the Company the Financial Loss that arises from an Offering Claim made against such Company. ... The Insurer shall pay to or on behalf of the Company, an Insured Person, a Controlling Shareholder; and/or a Selling Shareholder the Financial Loss that arises from an Offering Claim made against an Underwriter, but only to the extent that such Insured has indemnified such Underwriter pursuant to such Insured’s obligations (including warranties) assumed under the Underwriting Agreement. ... The Insurer shall pay to or on behalf of a Controlling Shareholder the Financial Loss, arising from an Offering Claim made against such Controlling Shareholder. ... The Insurer shall pay to or on behalf of a Selling Shareholder the Financial Loss, arising from an Offering Claim made against such Selling Shareholder.","sources":[{"clause":"1.1","heading":"Insured Person Cover","page":3,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/public-offering-of-securities-insurance-irdan152cplb1074v01202526/document/18548#c-1-1"},{"clause":"1.2","heading":"Company Reimbursement Cover","page":3,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/public-offering-of-securities-insurance-irdan152cplb1074v01202526/document/18548#c-1-2"},{"clause":"1.3","heading":"Company Offering Claims Cover","page":3,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/public-offering-of-securities-insurance-irdan152cplb1074v01202526/document/18548#c-1-3"},{"clause":"1.4","heading":"Reimbursement Cover","page":3,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/public-offering-of-securities-insurance-irdan152cplb1074v01202526/document/18548#c-1-4"},{"clause":"1.5","heading":"Controlling Shareholder Cover","page":3,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/public-offering-of-securities-insurance-irdan152cplb1074v01202526/document/18548#c-1-5"},{"clause":"1.6","heading":"Selling Shareholder Cover","page":3,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/public-offering-of-securities-insurance-irdan152cplb1074v01202526/document/18548#c-1-6"}],"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 uses Retention, but says the applicable amounts are specified in the Schedule, which is not included.","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 not cancel the policy.","display":"Policyholder cannot cancel","note":null,"quote":"This Policy may not be cancelled by the Policyholder or any other party.","sources":[{"clause":"7.5","heading":"Cancellation","page":24,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/public-offering-of-securities-insurance-irdan152cplb1074v01202526/document/18548#c-7-5"}],"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 Section 7 of the Schedule, and the prospectus says territorial limits follow the policy schedule; the Schedule is not included.","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 resulting directly from Offering Claims first made against an Insured during the Period of Insurance and notified to the Insurer as required by Section 6.","display":"Financial Loss resulting directly from Offering Claims first made against an Insured","note":null,"quote":"coverage under this Policy is afforded solely for Financial Loss resulting directly from Offering Claims first made against an Insured during the Period of Insurance and notified to the Insurer as required by Section 6 of this Policy.","sources":[{"clause":null,"heading":"Table of Contents","page":1,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/public-offering-of-securities-insurance-irdan152cplb1074v01202526/document/18548#c-table-of-contents"}],"law":[]}],"documents":[{"kind":"wording","label":"Public Offering of Securities Insurance- UIN (IRDAN152CPLB1074V01202526)","pages":31,"fetched_at":"2026-10-17 20:27:49+00","source_url":"https://cms.zurichkotak.com/uploads/Public_Offering_of_Securities_Insurance_Policy_Wordings_7dd48344a2.pdf","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/public-offering-of-securities-insurance-irdan152cplb1074v01202526/document/18548"},{"kind":"prospectus","label":"Public Offering of Securities Insurance- UIN (IRDAN152CPLB1074V01202526)","pages":4,"fetched_at":"2026-10-17 20:26:35+00","source_url":"https://cms.zurichkotak.com/uploads/Prospectus_POSI_c075960901_6eefb7d1af.pdf","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/public-offering-of-securities-insurance-irdan152cplb1074v01202526/document/18511"}],"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":"Public Offering of Securities Insurance (UIN IRDAN152CPLB1074V01202526), IndiaInsurances, https://indiainsurances.com/policy/zurich-kotak-general-insurance/public-offering-of-securities-insurance-irdan152cplb1074v01202526"}