{"uin":"IRDAN152CPPR0302V01202425","name":"Zurich Prime","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/zurich-prime-irdan152cppr0302v01202425","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":"Zurich Prime is a property damage and business interruption policy covering insured property at insured premises in India against insured perils. It covers all risks of sudden and accidental physical loss or damage unless excluded, with business interruption coverage only if limits are shown and NCP is not stated.","analysis":{"state":"machine","analysed_at":"2026-10-20 06:37:05.549978+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 sections, extensions and endorsements, 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 specimen schedule has placeholders for coverage begins and coverage ends, but no fixed policy term is printed.","quote":null,"sources":[],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"Report the loss to the insurer immediately on learning of it. For theft, notify the police immediately; for Business Interruption, notify the insurer immediately.","display":"Immediately on learning of the loss; theft and Business Interruption have immediate notice requirements","note":null,"quote":"report the loss to the Insurers immediately on learning thereof; and ... in the case of theft in addition:\na) notify the police authorities immediately ... in the case of Business Interruption in addition:\na) notify the Insurers immediately;","sources":[{"clause":"6.13.1.1","heading":null,"page":58,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/zurich-prime-irdan152cppr0302v01202425/document/18493#c-6-13-1-1"},{"clause":"6.13.1.6","heading":null,"page":58,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/zurich-prime-irdan152cppr0302v01202425/document/18493#c-6-13-1-6"},{"clause":"6.13.1.7","heading":null,"page":59,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/zurich-prime-irdan152cppr0302v01202425/document/18493#c-6-13-1-7"}],"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":["full particulars of the cause, amount and circumstances of the loss","a signed inventory of the property existing prior to and after the loss and of the damaged property","accounts, inventories, balance sheets, statistics, vouchers and other data","an interim balance sheet at the beginning and at the end of the Indemnity Period"],"display":"Full particulars of loss, signed inventory, and for Business Interruption accounts, inventories, balance sheets, statistics, vouchers and other data","note":"The accounts, vouchers and interim balance sheet requirements are stated for Business Interruption claims.","quote":"supply the Insurers as soon as reasonably possible in writing with full particulars of the cause, amount and circumstances of the loss and allow any reasonable inquiries to be made; and ... furnish within reasonable time and specifying its value a signed inventory of the property existing prior to and after the loss and of the damaged property; and ... submit to the Insurers accounts, inventories, balance sheets, statistics, vouchers and other data relating to the course of the Business ... draft at the request of the Insurers an interim balance sheet at the beginning and at the end of the Indemnity Period","sources":[{"clause":"6.13.1.2","heading":null,"page":58,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/zurich-prime-irdan152cppr0302v01202425/document/18493#c-6-13-1-2"},{"clause":"6.13.1.3","heading":null,"page":58,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/zurich-prime-irdan152cppr0302v01202425/document/18493#c-6-13-1-3"},{"clause":"6.13.1.7","heading":null,"page":59,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/zurich-prime-irdan152cppr0302v01202425/document/18493#c-6-13-1-7"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"quote-verified","value":"The insurer will pay covered loss or damage within 30 days after receiving the sworn statement of loss, if the insured has complied with all policy terms and the amount has been agreed or an arbitrational award has been made.","display":"Within 30 days after receiving the sworn statement of loss, subject to compliance and agreement or arbitration award","note":null,"quote":"The Insurers will pay for covered loss or damage within 30 days or as required by law ... after receiving the sworn statement of loss if the Insured has complied with all the terms of this Policy; and ... the Insurers have reached agreement on the amount of loss or an arbitrational award has been made.","sources":[{"clause":"6.14.4","heading":"The Insurers will pay for covered loss or damage within 30 days or as required by law","page":60,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/zurich-prime-irdan152cppr0302v01202425/document/18493#c-6-14-4"},{"clause":"6.14.4.1","heading":null,"page":60,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/zurich-prime-irdan152cppr0302v01202425/document/18493#c-6-14-4-1"},{"clause":"6.14.4.2","heading":null,"page":60,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/zurich-prime-irdan152cppr0302v01202425/document/18493#c-6-14-4-2"}],"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":["Its own faulty or defective design, faulty or defective workmanship or defective materials.","Its undergoing any process of production, packing, treatment, testing, commissioning, servicing or repair.","Corrosion, erosion, oxidation, rust, dampness, dryness, frost, wet or dry rot, shrinkage, evaporation, loss of weight, mould, marring, scratching, animals, vermin, pests, insects, gradual deterioration, wear and tear or any gradually operating causes.","Loss or damage to the Property Insured caused by or resulting from the following perils when the Insured Premises are unoccupied for more than 30 consecutive days","Theft of Property Insured in or on the Insured Premises","Ionising radiations from or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel;","War, invasion, acts of foreign enemies, hostilities or war-like operations","Act of Terrorism","Cyber Loss","Communicable Disease or the fear or threat (whether actual or perceived) of a Communicable Disease","Any loss during any idle period that would have been experienced had the interruption of the Business not occurred.","Fines or damages for breach of contract or for late or non-completion of orders; Penalties of any nature; Any other consequential or remote factors."],"display":"Faulty design/workmanship/materials; processing/testing/repair; wear and tear or gradual causes; specified perils when premises are unoccupied for more than 30 consecutive days; theft except stated exceptions; nuclear/radioactivity; war; terrorism; Cyber Loss; Communicable Disease; BI idle periods; BI fines, penalties and consequential or remote factors","note":"Some exclusions in the wording are subject to exceptions or cover being specifically provided elsewhere in the policy.","quote":"Its own faulty or defective design, faulty or defective workmanship or defective materials. ... Its undergoing any process of production, packing, treatment, testing, commissioning, servicing or repair. ... Corrosion, erosion, oxidation, rust, dampness, dryness, frost, wet or dry rot, shrinkage, evaporation, loss of weight, mould, marring, scratching, animals, vermin, pests, insects, gradual deterioration, wear and tear or any gradually operating causes. ... Loss or damage to the Property Insured caused by or resulting from the following perils when the Insured Premises are unoccupied for more than 30 consecutive days ... Theft of Property Insured in or on the Insured Premises, ... Ionising radiations from or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel; ... War, invasion, acts of foreign enemies, hostilities or war-like operations ... Act of Terrorism. ... Cyber Loss ... Communicable Disease or the fear or threat (whether actual or perceived) of a Communicable Disease ... Any loss during any idle period that would have been experienced had the interruption of the Business not occurred. ... Fines or damages for breach of contract or for late or non-completion of orders; ... Penalties of any nature; ... Any other consequential or remote factors.","sources":[{"clause":"3.4.1.1","heading":null,"page":26,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/zurich-prime-irdan152cppr0302v01202425/document/18493#c-3-4-1-1"},{"clause":"3.4.1.2","heading":null,"page":26,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/zurich-prime-irdan152cppr0302v01202425/document/18493#c-3-4-1-2"},{"clause":"3.4.1.5","heading":null,"page":26,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/zurich-prime-irdan152cppr0302v01202425/document/18493#c-3-4-1-5"},{"clause":"3.4.2.2","heading":"Loss or damage to the Property Insured caused by or resulting from the following perils","page":27,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/zurich-prime-irdan152cppr0302v01202425/document/18493#c-3-4-2-2"},{"clause":"3.4.2.3","heading":null,"page":28,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/zurich-prime-irdan152cppr0302v01202425/document/18493#c-3-4-2-3"},{"clause":"3.4.3.1","heading":null,"page":30,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/zurich-prime-irdan152cppr0302v01202425/document/18493#c-3-4-3-1"},{"clause":"3.4.3.4","heading":"War, invasion, acts of foreign enemies, hostilities or war-like operations (whether war be","page":30,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/zurich-prime-irdan152cppr0302v01202425/document/18493#c-3-4-3-4"},{"clause":"3.4.3.6","heading":"Act of Terrorism. For the purpose of this Policy an Act of Terrorism","page":30,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/zurich-prime-irdan152cppr0302v01202425/document/18493#c-3-4-3-6"},{"clause":"3.4.3.10","heading":"Cyber Loss","page":31,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/zurich-prime-irdan152cppr0302v01202425/document/18493#c-3-4-3-10"},{"clause":"3.4.3.11","heading":"Communicable Disease or the fear or threat (whether actual or perceived) of a","page":31,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/zurich-prime-irdan152cppr0302v01202425/document/18493#c-3-4-3-11"},{"clause":"4.3.1","heading":null,"page":35,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/zurich-prime-irdan152cppr0302v01202425/document/18493#c-4-3-1"},{"clause":"4.3.2.1","heading":null,"page":35,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/zurich-prime-irdan152cppr0302v01202425/document/18493#c-4-3-2-1"},{"clause":"4.3.2.2","heading":null,"page":35,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/zurich-prime-irdan152cppr0302v01202425/document/18493#c-4-3-2-2"},{"clause":"4.3.2.3","heading":null,"page":35,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/zurich-prime-irdan152cppr0302v01202425/document/18493#c-4-3-2-3"}],"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 branch office, toll free number 1800 2120 or care@zurichkotak.com first. If not satisfied, contact the Grievance Officer, then the senior or chief grievance officer before approaching IRDAI or the Insurance Ombudsman.","display":"Branch office / 1800 2120 / care@zurichkotak.com, then Grievance Officer, then senior or chief grievance officer","note":null,"quote":"For resolution of any query or grievance, You may contact the respective branch office of the Company or may call toll free number 1800 2120 or may write an e- mail at care@zurichkotak.com.\nIn case You are not satisfied with the response, You may contact the Grievance Officer of the Company at grievanceofficer@zurichkotak.com.\nIn case if You are not satisfied with the solution the Grievance Officer has provided, You can write to seniorgrievanceofficer@zurichkotak.com/ chiefgrievanceofficer@zurichkotak.com.","sources":[{"clause":"Appendix H","heading":"Grievance Redressal Procedure","page":88,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/zurich-prime-irdan152cppr0302v01202425/document/18493#c-appendix-h"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"perils","label":"What is covered","section":"Cover","meaning":"The events or risks covered.","status":"quote-verified","value":["All risks of sudden and accidental physical loss or damage occurring during the Policy Period to the Property Insured unless caused by an Excluded Peril.","Business Interruption coverage is only provided if Limits of Liability are shown and NCP is not stated in Section 2.3.8.","Earthquake and Volcanic Eruption","Flood","Storm","Machinery and Equipment Breakdown"],"display":"All risks of sudden and accidental physical loss or damage to Property Insured unless excluded; Business Interruption where limits are shown and NCP is not stated; defined perils include Earthquake and Volcanic Eruption, Flood and Storm","note":"Business Interruption and some extensions or defined perils are subject to limits, NCP entries, deductibles and other policy terms.","quote":"All risks of sudden and accidental physical loss or damage occurring during the Policy Period to the Property Insured unless caused by an Excluded Peril. ... Business Interruption coverage is only provided if Limits of Liability are shown and NCP is not stated in Section 2.3.8. ... Earthquake and Volcanic Eruption ... Flood ... Storm ... The Insurers will pay for the sudden and accidental physical loss or damage to Machinery and Equipment and the Business Interruption loss (as provided under this Policy) caused by or resulting from:","sources":[{"clause":"3.3","heading":"Insured Perils","page":26,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/zurich-prime-irdan152cppr0302v01202425/document/18493#c-3-3"},{"clause":"3.4.3.11","heading":"Communicable Disease or the fear or threat (whether actual or perceived) of a","page":31,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/zurich-prime-irdan152cppr0302v01202425/document/18493#c-3-4-3-11"},{"clause":"5.6.1","heading":"Earthquake and Volcanic Eruption","page":52,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/zurich-prime-irdan152cppr0302v01202425/document/18493#c-5-6-1"},{"clause":"5.6.2","heading":"Flood","page":52,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/zurich-prime-irdan152cppr0302v01202425/document/18493#c-5-6-2"},{"clause":"5.6.3","heading":"Storm","page":53,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/zurich-prime-irdan152cppr0302v01202425/document/18493#c-5-6-3"},{"clause":"5.5.1","heading":"Machinery and Equipment Breakdown","page":47,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/zurich-prime-irdan152cppr0302v01202425/document/18493#c-5-5-1"}],"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 says the Policy Deductible stated in 2.7.1 is deducted, but the deductible amounts in the specimen are placeholders such as INR <>.","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":"not-stated","value":null,"display":null,"note":"The base policy wording states insurer cancellation for non-payment, but does not state policyholder cancellation rights or the refund payable to the policyholder.","quote":null,"sources":[],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"quote-verified","value":"Coverage under this Policy applies to any covered loss or damage that takes place within India.","display":"Within India","note":null,"quote":"Coverage under this Policy applies to any covered loss or damage that takes place within India.","sources":[{"clause":"1.2","heading":"Territory","page":7,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/zurich-prime-irdan152cppr0302v01202425/document/18493#c-1-2"}],"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 loss or damage caused by an Insured Peril to Property Insured at the Insured Premises. Property Insured includes real and personal property owned by the Insured and property held in trust or for which the Insured may be liable, subject to exclusions and terms.","display":"Property Insured at the Insured Premises, including owned property and property held in trust or for which the Insured may be liable","note":null,"quote":"The Insurers will pay for loss or damage caused by an Insured Peril to Property Insured at the Insured Premises described in Section 2 −2.1. ... Real and personal property of every kind and description now or hereafter existing in any form owned in whole or in part by the Insured; ... Property held in trust by the Insured or for which the Insured may be liable","sources":[{"clause":"1.1","heading":"Coverage","page":7,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/zurich-prime-irdan152cppr0302v01202425/document/18493#c-1-1"},{"clause":"3.1.1","heading":null,"page":25,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/zurich-prime-irdan152cppr0302v01202425/document/18493#c-3-1-1"},{"clause":"3.1.2","heading":null,"page":25,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/zurich-prime-irdan152cppr0302v01202425/document/18493#c-3-1-2"}],"law":[]}],"documents":[{"kind":"wording","label":"Zurich Prime- Endorsement Wordings-UIN (IRDAN152CPPR0302V01202425)","pages":1,"fetched_at":"2026-10-17 20:22:32+00","source_url":"https://cms.zurichkotak.com/uploads/Zurich_Prime_Endorsement_Wordings_2_efdbeade06.pdf","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/zurich-prime-irdan152cppr0302v01202425/document/18433"},{"kind":"wording","label":"Zurich Prime-UIN (IRDAN152CPPR0302V01202425)","pages":92,"fetched_at":"2026-10-17 20:25:09+00","source_url":"https://cms.zurichkotak.com/uploads/Zurich_Prime_Policy_Wordings_and_Schedule_41d0f2958c.pdf","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/zurich-prime-irdan152cppr0302v01202425/document/18493"},{"kind":"wording","label":"Zurich Prime- Endorsement Wordings- Part III","pages":41,"fetched_at":"2026-10-17 20:29:01+00","source_url":"https://cms.zurichkotak.com/uploads/Zurich_Prime_Endorsement_Wordings_3_ce0bbc95ae.pdf","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/zurich-prime-irdan152cppr0302v01202425/document/18579"},{"kind":"wording","label":"Zurich Prime- Endorsement Wordings- Part IV","pages":1,"fetched_at":"2026-10-17 20:29:07+00","source_url":"https://cms.zurichkotak.com/uploads/Endorsement_Wordings_Zurich_Prime_695d84189f.pdf","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/zurich-prime-irdan152cppr0302v01202425/document/18582"},{"kind":"prospectus","label":"Zurich Prime-Prospectus- UIN (IRDAN152CPPR0302V01202425)","pages":14,"fetched_at":"2026-10-17 20:13:12+00","source_url":"https://cms.zurichkotak.com/uploads/Zurich_Prime_Prospectus_eb83650908_323e5fc63d.pdf","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/zurich-prime-irdan152cppr0302v01202425/document/18281"}],"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":"Zurich Prime (UIN IRDAN152CPPR0302V01202425), IndiaInsurances, https://indiainsurances.com/policy/zurich-kotak-general-insurance/zurich-prime-irdan152cppr0302v01202425"}