{"uin":"IRDAN152RP0010V03201617","name":"Home Secure","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/home-secure-irdan152rp0010v03201617","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":"home","category_name":"Home insurance","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Home Secure provides home building and home contents cover under Excel, Premium, Prime and Prime Plus plans. The geographical scope is India, and underinsurance does not apply to the Zurich Kotak Bharat Griha Raksha Policy.","analysis":{"state":"machine","analysed_at":"2026-10-20 06:38:14.085742+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":"quote-verified","value":["Excel","Premium","Prime","Prime Plus"],"display":"Excel, Premium, Prime and Prime Plus","note":null,"quote":"This product offers 4 plans available to the insured. Plan details are provided as below:\nPlan Name | Excel | Premium | Prime | Prime Plus","sources":[{"clause":null,"heading":"HOME SECURE Prospectus","page":1,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/home-secure-irdan152rp0010v03201617/document/18326#c-home-secure-prospectus"}],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"not-stated","value":null,"display":null,"note":"The wording defines Policy Period by reference to the Policy Schedule, but the provided documents do not state a fixed policy term.","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":"For Zurich Kotak Bharat Griha Raksha claims, notice of loss or damage must be given immediately; the claim form must be submitted within 30 days from when loss or damage is first noticed. For other sections, the insured must contact the company and intimate the claim within 24 hours.","display":"Immediately for BGR; claim form within 30 days. Other sections: within 24 hours.","note":"The 24-hour requirement is in the claim settlement process that is marked not applicable to Zurich Kotak Bharat Griha Raksha.","quote":"As soon as any physical loss or damage occurs to Your Home Building or Home Contents due to an Insured Event, You must immediately give notice to Us of the loss or damage. ... You must submit Your claim in Our claim form at the earliest opportunity, but within 30 days from the date You first notice the loss or damage. ... Upon the happening of any event giving rise to a claim, the Insured shall within 24 hours contact the Company and intimate the claim.","sources":[{"clause":null,"heading":"1. Immediate notice to Us","page":5,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/home-secure-irdan152rp0010v03201617/document/18304#c-1-immediate-notice-to-us"},{"clause":"6(III)(a)(i)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/home-secure-irdan152rp0010v03201617/document/18304#c-6-iii-a-i"},{"clause":"1","heading":"Upon the happening of any event giving rise to a claim, the Insured shall","page":16,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/home-secure-irdan152rp0010v03201617/document/18304#c-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":["Duly completed claim form signed by the insured","Fire Brigade Report in case of Fire","Police report (FIR) for Theft and Burglary Claims","Police Final Investigation Report for Theft and Burglary Claims","Bills and invoices, valuation reports etc required to support and substantiate the claim amount","NEFT details & cancelled cheque","Any other document deemed necessary to establish the loss or its quantum depending upon the nature of claim","plans, specification books, vouchers, invoices pertaining to costs incurred by You for reconstruction/ replacement/repairs","Death Certificate and Post Mortem report (wherever necessary)"],"display":"Claim form, fire report, FIR/final police report, bills/invoices/valuation reports, NEFT and cancelled cheque, and other documents needed; for BGR, plans/specifications/vouchers/invoices and PA death documents where relevant.","note":null,"quote":"In event of a claim arising under this Policy, the Insured shall arrange for submission of the following documents to the Company:\na) Duly completed claim form signed by the insured, detailing the loss or damage that has occurred and an estimate of the quantum of any claim along with all documentation required to support and substantiate the amount sought from the Company, and;\nb) Fire Brigade Report in case of Fire\nc) Police report (FIR) for Theft and Burglary Claims\nd) Police Final Investigation Report for Theft and Burglary Claims\ne) Bills and invoices, valuation reports etc required to support and substantiate the claim amount\nf) NEFT details & cancelled cheque\ng) Any other document deemed necessary to establish the loss or its quantum depending upon the nature of claim. ... You must support Your claim for Home Building and/or Home Contents with plans, specification books, vouchers, invoices pertaining to costs incurred by You for reconstruction/ replacement/repairs. ... For Optional Cover of Personal Accident, Death Certificate and Post Mortem report (wherever necessary) shall be submitted.","sources":[{"clause":"3","heading":"In event of a claim arising under this Policy, the Insured shall arrange","page":16,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/home-secure-irdan152rp0010v03201617/document/18304#c-3-5"},{"clause":null,"heading":"5. Establish loss","page":5,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/home-secure-irdan152rp0010v03201617/document/18304#c-5-establish-loss"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"conflicting","value":"On receipt of the survey report or additional survey report, the company must offer settlement or reject the claim within 30 days. After the insured accepts the settlement offer, payment is to be made within 7 days.","display":"Offer or rejection within 30 days of survey/additional report; payment within 7 days of acceptance.","note":"CIS says: “Settlement of claims | Within 7 days of receipt of the survey report or after expiry of 15 days from allocation of the claim to the surveyor whichever is earlier*”.","quote":"On receipt of the survey report or the additional survey report, as the case may be, the Company shall within a period of 30 days offer a settlement of the claim to the Insured. If the Company, for any reasons to be recorded writing and communicated to Insured, decides to reject a claim under the Policy, it shall do so within a period of 30 days from the receipt of the survey report or the additional survey report, as the case may be. ... Upon acceptance of an offer of settlement by the Insured, the payment of the amount due shall be made within 7 days from the date of acceptance of the offer by the insured. ... Settlement of claims | Within 7 days of receipt of the survey report or after expiry of 15 days from allocation of the claim to the surveyor whichever is earlier*","sources":[{"clause":"14","heading":"On receipt of the survey report or the additional survey report, as the case","page":17,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/home-secure-irdan152rp0010v03201617/document/18304#c-14-4"},{"clause":"15","heading":"On receipt of all the documents and on being satisfied with regard to the","page":17,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/home-secure-irdan152rp0010v03201617/document/18304#c-15-3"},{"clause":"5(vii)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/home-secure-irdan152rp0010v03201617/document/18343#c-5-vii"}],"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":["Your deliberate, wilful or intentional act or omission","War, invasion, act of foreign enemy hostilities or war-like operations","Ionising radiation or contamination by radioactivity","Pollution or contamination, unless","Loss, damage or destruction to any electrical/electronic machine, apparatus, fixture, or fitting by over-running, excessive pressure, short circuiting, arcing, self-heating or leakage of electricity","Loss or damage to bullion or unset precious stones, manuscripts, plans, drawings, securities, obligations or documents of any kind, coins or paper money, cheques, vehicles, and explosive substances unless otherwise expressly stated in the policy","Loss of any Insured Property which is missing or has been mislaid","Loss or damage to any Insured Property removed from Your Home to any other place","Loss of earnings, loss by delay, loss of market or other consequential or indirect loss or damage","Any reduction in market value of any Insured Property after its repair or reinstatement","Any addition, extension, or alteration to any structure of Your Home Building that increases its Carpet Area by more than 10%","Costs, fees or expenses for preparing any claim"],"display":"Main exclusions include wilful acts, war, nuclear/radiation, pollution, electrical self-damage, specified valuables/documents/money/vehicles, missing or mislaid property, property removed from home, consequential loss, market value reduction, building additions over 10%, and claim preparation costs.","note":"Section-specific and optional-cover exclusions also apply.","quote":"We do not cover losses and expenses for any loss or damage or destruction of the Insured Property that is directly or indirectly as a result of or is caused by or arising from events, stated below:\n1. Your deliberate, wilful or intentional act or omission, or of anyone on Your behalf, or with Your connivance.\n2. War, invasion, act of foreign enemy hostilities or war-like operations (whether war is declared or not), civil war, mutiny, civil commotion amounting to a popular rising, military rising, rebellion, revolution, insurrection or military or usurped power.\n3. Ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from combustion of nuclear fuel, or the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component that is part of it.\n4. Pollution or contamination, unless ... Loss, damage or destruction to any electrical/electronic machine, apparatus, fixture, or fitting by over-running, excessive pressure, short circuiting, arcing, self-heating or leakage of electricity from whatever cause (lightning included). This exclusion applies only to the particular machine so lost, damaged or destroyed.\n6. Loss or damage to bullion or unset precious stones, manuscripts, plans, drawings, securities, obligations or documents of any kind, coins or paper money, cheques, vehicles, and explosive substances unless otherwise expressly stated in the policy.\n7. Loss of any Insured Property which is missing or has been mislaid, or its disappearance cannot be linked to any single identifiable event.\n8. Loss or damage to any Insured Property removed from Your Home to any other place.\n9. Loss of earnings, loss by delay, loss of market or other consequential or indirect loss or damage of any kind or description whatsoever.\n10. Any reduction in market value of any Insured Property after its repair or reinstatement.\n11. Any addition, extension, or alteration to any structure of Your Home Building that increases its Carpet Area by more than 10% of the Carpet Area existing at the Commencement Date or on the date of renewal of this Policy, unless You have paid additional premium and such addition, extension or alteration is added by Endorsement.\n12. Costs, fees or expenses for preparing any claim.","sources":[{"clause":null,"heading":"Clause F. Exclusions (What We do not cover) for all covers under","page":4,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/home-secure-irdan152rp0010v03201617/document/18304#c-clause-f-exclusions-what-we-do-not-cover-for-all"},{"clause":"6(b)(ii)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/home-secure-irdan152rp0010v03201617/document/18304#c-6-b-ii"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":["Fire","Explosion or Implosion","Lightning","Earthquake, volcanic eruption, or other convulsions of nature","Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Tsunami, Flood and Inundation","Subsidence of the land on which Your Home Building stands, Landslide, Rockslide","Bush fire, Forest fire and Jungle fire","Impact damage of any kind","Missile testing operations","Riot, Strikes, Malicious Damages","Acts of terrorism","Bursting or overflowing of water tanks, apparatus and pipes.","Leakage from automatic sprinkler installations.","Theft within 7 (seven) days from the occurrence of and proximately caused by any of the above Insured Events."],"display":"Fire, explosion/implosion, lightning, earthquake and nature convulsions, storm/flood perils, subsidence/landslide/rockslide, bush/forest/jungle fire, impact, missile testing, riot/strike/malicious damage, terrorism, water tank/pipe bursting, sprinkler leakage, and theft within 7 days of an insured event.","note":"Column B contains per-event exclusions and conditions.","quote":"1 | Fire | caused by burning of Insured Property by order of any Public Authority. ... 2 | Explosion or Implosion | - ... 3 | Lightning | - ... 4 | Earthquake, volcanic eruption, or other convulsions of nature | -\n5 | Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Tsunami, Flood and Inundation | -\n6 | Subsidence of the land on which Your Home Building stands, Landslide, Rockslide | caused by a. normal cracking, settlement or bedding down of new structures, b. the settlement or movement of made up ground, c. coastal or river erosion, d. defective design or workmanship or use of defective materials, or e. demolition, construction, structural alterations or repair of any property, or groundworks or excavations.\n7 | Bush fire, Forest fire and Jungle fire | -\n8 | Impact damage of any kind, i.e., damage caused by impact of, or collision caused by any external physical object (e.g. vehicle, falling trees, aircraft, wall etc.) | caused by pressure waves caused by aircraft or other aerial or space devices travelling at sonic or supersonic speeds.\n9 | Missile testing operations | -\n10 | Riot, Strikes, Malicious Damages | caused by a. temporary or permanent dispossession, confiscation, commandeering, requisition or destruction by order of the government or any lawful authority, or b. temporary or permanent dispossession of Your Home by unlawful occupation by any person.\n11 | Acts of terrorism (Coverage as per Terrorism Clause attached.) | Exclusions and Excess as per Terrorism Clause attached.\n12 | Bursting or overflowing of water tanks, apparatus and pipes. | -\n13 | Leakage from automatic sprinkler installations. | a. repairs or alterations in Your Home or the building in which Your Home is located, b. repairs, removal or extension of any sprinkler installation, or c. defects in the construction known to You.\n14 | Theft within 7 (seven) days from the occurrence of and proximately caused by any of the above Insured Events. | if it is a. of any article or thing outside Your Home, or b. of any article or thing attached from the outside of the outer walls or the roof of Your Home, unless securely mounted.","sources":[{"clause":"Row 1","heading":"Fire","page":3,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/home-secure-irdan152rp0010v03201617/document/18304#c-row-1"},{"clause":"Row 2","heading":"Explosion or Implosion","page":3,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/home-secure-irdan152rp0010v03201617/document/18304#c-row-2"},{"clause":"Row 3","heading":"Lightning","page":3,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/home-secure-irdan152rp0010v03201617/document/18304#c-row-3"},{"clause":"Row 4","heading":"Earthquake, volcanic eruption, or other convulsions of nature","page":3,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/home-secure-irdan152rp0010v03201617/document/18304#c-row-4"}],"law":[]},{"key":"deductible","label":"Deductible or excess","section":"Limits and co-pay","meaning":"Amount of each claim you bear.","status":"quote-verified","value":"The general deductible is the amount stated in the Schedule. Claims for Contents under All Risk Cover and claims under Burglary & Theft are subject to a deductible of `1,000 for each and every claim.","display":"As per Schedule; `1,000 per claim for All Risk contents and Burglary & Theft.","note":"Other optional covers have their own deductibles in the schedule or cover wording.","quote":"Deductible | Means the amount stated in the Schedule, which shall be borne first by the Insured in respect of each and every claim made under this Policy. ... Claims for Contents under this section is subject to deductible of `1,000 for each and every claim. ... Claims under this section are subject to deductible of `1,000 for each and every claim.","sources":[{"clause":null,"heading":"Home Secure","page":1,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/home-secure-irdan152rp0010v03201617/document/18304#c-home-secure"},{"clause":null,"heading":"2. All Risk Cover - Structure and Contents","page":6,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/home-secure-irdan152rp0010v03201617/document/18304#c-2-all-risk-cover-structure-and-contents"},{"clause":null,"heading":"3. Burglary & Theft","page":6,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/home-secure-irdan152rp0010v03201617/document/18304#c-3-burglary-theft"}],"law":[]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"conflicting","value":"The insured may cancel by giving at least 15 days written notice. The company refunds premium on a short period basis, subject to minimum retention of `100 per policy and `50 per certificate; the table retains the full annual premium if the policy has been in force for more than 9 months.","display":"15 days written notice; refund on short-period basis, minimum retention `100 per policy / `50 per certificate.","note":"Prospectus says cancellation can be “without assigning any reason” and gives a proportionate refund for the unexpired policy period for terms up to one year if no claim is made, unlike the wording’s 15-day notice and short-period refund basis.","quote":"The Policy may be cancelled by the Insured at any time by giving at least 15 days written notice to the Company. The Company will refund premium on a short period basis by reference to the time cover is provided, subject to a minimum retention of premium of `100/- per policy and `50/- in case of certificate. ... For a period exceeding 9 months | The full Annual premium to be retained ... The insured can cancel the policy at any time during the term, without assigning any reason, by giving notice in writing to the Insurer. The Insurer shall-\n• Refund proportion premium for unexpired policy period, if the term of the policy is upto one year and there is no claim(s) made during the policy period.","sources":[{"clause":"8(a)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/home-secure-irdan152rp0010v03201617/document/18304#c-8-a-3"},{"clause":"9","heading":"Notice of change","page":18,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/home-secure-irdan152rp0010v03201617/document/18304#c-9-5"},{"clause":"8(d)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/home-secure-irdan152rp0010v03201617/document/18326#c-8-d"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"quote-verified","value":"The geographical scope of the policy is India, and all claims are settled in India in Indian rupees. Optional Jewellery and Valuables and Portable Equipments covers may be extended worldwide on additional premium, and Loss of Job is stated to apply worldwide.","display":"India; claims settled in India in Indian rupees.","note":"The worldwide references are only for the optional covers named in the quote.","quote":"The geographical scope of this Policy is India. The provisions of this Policy shall be governed by the laws of India and subject to the exclusive You may also approach Insurance Ombudsman, subject to vested jurisdiction, jurisdiction of Courts in India. All the claims shall be settled in India in for the redressal of grievance.The details of the Insurance Ombudsman is\nIndian rupees ... However, on payment of additional premium the coverage for “Jewellery and Valuables” may be extended to worldwide. ... On payment of Additional Premium the coverage for “Portable Equipments” may be extended to Worldwide. ... The scope of loss of job is applicable on worldwide basis.","sources":[{"clause":"17","heading":"Governing Law","page":18,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/home-secure-irdan152rp0010v03201617/document/18304#c-17-7"},{"clause":null,"heading":"SPECIAL CONDITION","page":11,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/home-secure-irdan152rp0010v03201617/document/18304#c-special-condition-4"},{"clause":"3(a)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/home-secure-irdan152rp0010v03201617/document/18304#c-3-a"},{"clause":"18","heading":"Loss of Job","page":15,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/home-secure-irdan152rp0010v03201617/document/18304#c-18"}],"law":[]},{"key":"building_cover","label":"Building cover","section":"Cover","meaning":"Cover for the structure and how its value is set.","status":"quote-verified","value":"The policy covers physical loss, damage or destruction of the Home Building due to insured events, including fixtures, fittings and specified additional structures. For Bharat Griha Raksha Home Building Cover, the sum insured is the prevailing Cost of Construction declared by the insured and accepted by the insurer.","display":"Home Building covered for insured-event physical loss or damage; includes fixtures, fittings and additional structures; BGR sum insured is prevailing Cost of Construction.","note":null,"quote":"We cover physical loss or damage, or destruction of Your Home Building because of any Insured Event listed in Clause B of this Policy. ... Your Home Building includes\ni) fixtures and fittings permanently attached to the floor, walls or roof, like fixed sanitary fittings, electrical wiring and other permanent fittings.\nii) the following ‘additional structures’ if they are on the same site, and are used as part of Your Home Building: ... The Sum Insured for the Home Building Cover is the prevailing Cost of Construction of Your Home Building at the Commencement Date as declared by You and accepted by Us and will be the maximum amount payable in the event the Home Building is a Total Loss.","sources":[{"clause":null,"heading":"Clause C: Home Building Cover 1. What We cover","page":3,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/home-secure-irdan152rp0010v03201617/document/18304#c-clause-c-home-building-cover-1-what-we-cover"},{"clause":null,"heading":"2. Your Home Building","page":3,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/home-secure-irdan152rp0010v03201617/document/18304#c-2-your-home-building"},{"clause":"4(a)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/home-secure-irdan152rp0010v03201617/document/18304#c-4-a"}],"law":[]},{"key":"contents_cover","label":"Contents cover","section":"Cover","meaning":"Cover for household goods, jewellery and valuables, and limits.","status":"quote-verified","value":"The policy covers physical loss, damage or destruction of General Contents caused by an insured event. Valuable Contents are not covered unless the optional cover is purchased; if both Home Building and Home Contents are opted, built-in General Contents cover is 20% of the Home Building sum insured, subject to a maximum of `10 Lakh.","display":"General Contents covered for insured events; valuables only if optional cover is bought; built-in contents cover 20% of building SI up to `10 Lakh when both covers are opted.","note":null,"quote":"We cover the physical loss or damage to or destruction of the General Contents of Your Home caused by an Insured Event as listed in Clause B of this Policy. Valuable Contents of Your Home are not covered under this Policy unless You have purchased the optional cover for the Valuable Contents. ... The policy has a built-in cover for the General Contents of Your home equal to 20% of the Sum Insured for Home Building Cover subject to a maximum of `10 Lakh (Rupees Ten Lakh) provided You have opted for both Home Building and Home Contents cover. ... If You want to cover the Valuable Contents in Your Home, You must opt for the Optional Cover for Valuable Contents as given in Clause E (1) (a) of this Policy.","sources":[{"clause":null,"heading":"Clause D: Home Contents Cover","page":4,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/home-secure-irdan152rp0010v03201617/document/18304#c-clause-d-home-contents-cover"},{"clause":"6(b)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/home-secure-irdan152rp0010v03201617/document/18304#c-6-b-2"},{"clause":"6(e)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/home-secure-irdan152rp0010v03201617/document/18304#c-6-e-2"}],"law":[]},{"key":"burglary","label":"Burglary and theft","section":"Cover","meaning":"Whether burglary is covered.","status":"quote-verified","value":"Burglary and Theft is covered when that section is operative: the company indemnifies loss or damage to the premises and contents by Burglary or Theft during the policy period. Bharat Griha Raksha also covers theft within 7 days of, and proximately caused by, specified insured events.","display":"Covered under Burglary & Theft if operative; BGR covers theft within 7 days of an insured event.","note":"Cover availability depends on the section and plan shown in the Policy Schedule.","quote":"The Company will indemnify the Insured in respect of loss or damage to the Premises and Contents (whilst stored or lying in Your Structure) by Burglary or Theft at any time during the Policy Period. ... 14 | Theft within 7 (seven) days from the occurrence of and proximately caused by any of the above Insured Events. | if it is a. of any article or thing outside Your Home, or b. of any article or thing attached from the outside of the outer walls or the roof of Your Home, unless securely mounted.","sources":[{"clause":null,"heading":"3. Burglary & Theft","page":6,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/home-secure-irdan152rp0010v03201617/document/18304#c-3-burglary-theft"},{"clause":"Row 4","heading":"Earthquake, volcanic eruption, or other convulsions of nature","page":3,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/home-secure-irdan152rp0010v03201617/document/18304#c-row-4"}],"law":[]},{"key":"rent_loss","label":"Rent and alternative accommodation","section":"Cover","meaning":"Cover for rent lost or a temporary home after damage.","status":"quote-verified","value":"The policy pays lost rent or alternative rent while the Home Building is not fit for living because of physical loss from an insured event. The cover is for the reasonable repair period, subject to a maximum of three years from when the Home Building becomes unfit for living, and requires an architect or local authority certificate.","display":"Loss of rent or alternative rent covered while home is unfit after insured damage, up to three years.","note":null,"quote":"We will pay the amount of rent You lose or alternative rent You pay while Your Home Building is not fit for living because of physical loss arising out of an Insured Event as follows: ... This cover will be available for the reasonable time required to repair Your Home Building to make it fit for living. The maximum period of this cover is three years from the date Your Home Building becomes unfit for living. You must submit a certificate from an architect or the local authority to show that Your Home Building is not fit for living. ... Claim for loss of rent will be accepted only if We have accepted Your claim for loss for physical damage to Your Home under the Home Building Cover.","sources":[{"clause":"6","heading":"Loss of Rent and Rent for Alternative Accommodation: In addition to","page":4,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/home-secure-irdan152rp0010v03201617/document/18304#c-6"},{"clause":"6(d)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/home-secure-irdan152rp0010v03201617/document/18304#c-6-d"},{"clause":"6(e)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/home-secure-irdan152rp0010v03201617/document/18304#c-6-e"}],"law":[]},{"key":"sum_insured_basis","label":"Sum insured basis","section":"Cover","meaning":"How the cover amount is set: market value, reinstatement value, agreed value, IDV.","status":"quote-verified","value":"For Bharat Griha Raksha, Home Building sum insured is prevailing Cost of Construction and General Contents must cover replacement cost. For All Risk and Burglary & Theft, Structure may be on Agreed Value, Indemnity or Reinstatement basis, while Contents may be on New for Old, Indemnity or First Loss basis.","display":"BGR building: Cost of Construction; BGR contents: replacement cost. All Risk/Burglary: structure Agreed Value, Indemnity or Reinstatement; contents New for Old, Indemnity or First Loss.","note":"The applicable basis depends on the cover and the Policy Schedule.","quote":"The Sum Insured for the Home Building Cover is the prevailing Cost of Construction of Your Home Building at the Commencement Date as declared by You and accepted by Us ... The Sum Insured You have chosen for General Contents must be enough to cover the cost of replacement of the General Contents. ... The options available to select Sum Insured for the Structure is either Agreed Value Basis or Indemnity Basis or Reinstatement Basis and as specified and agreed in the Policy Schedule. ... The options available to select Sum Insured for Content is on New for Old Basis or Indemnity basis and as specified and agreed in the Policy Schedule. ... The Sum insured for “Contents” is basis on the First Loss Basis in proportion of ___% of 100% Sum Insured, amounting to a value as stated in the Schedule.","sources":[{"clause":"4(a)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/home-secure-irdan152rp0010v03201617/document/18304#c-4-a"},{"clause":"6(d)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/home-secure-irdan152rp0010v03201617/document/18304#c-6-d-2"},{"clause":"1","heading":"Sum Insured Option for Structure","page":6,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/home-secure-irdan152rp0010v03201617/document/18304#c-1-2"},{"clause":"2","heading":"Sum Insured Options for Contents","page":7,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/home-secure-irdan152rp0010v03201617/document/18304#c-2-2"},{"clause":"2.3","heading":"Sum Insured for Contents on First Loss Basis","page":7,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/home-secure-irdan152rp0010v03201617/document/18304#c-2-3"}],"law":[]},{"key":"under_insurance","label":"Under-insurance (average) clause","section":"Limits and co-pay","meaning":"If the sum insured is less than the real value, claims are cut in proportion.","status":"quote-verified","value":"Underinsurance does not apply to Zurich Kotak Bharat Griha Raksha. For other sections, if the property value is greater than the sum insured on a full value basis, the insured bears a rateable proportion of the loss; the wording also states exceptions for agreed value flat/apartment policies and most contents.","display":"Waived for BGR; average applies to other full-value covers, with stated exceptions.","note":"The underinsurance position differs by section and sum insured basis.","quote":"Underinsurance does not apply to the Zurich Kotak Bharat Griha Raksha Policy. Thus, if Your Sum Insured calculated on the basis of the information that You provided, is less than the actual value at risk, the difference will not affect the amount We pay. ... If the property insured under this Policy shall at time of Loss be collectively of greater value than the Sum Insured thereon, then YOU will be considered as being YOUR own Insurer for the difference and shall bear a rateable proportion of loss accordingly. ... The Condition of Average will not be applicable to\na) where the insured has opted for policy on Agreed Value Basis for flat/apartment.\nb) “Contents” (except for Jewellery and Valuables, Curios, Works of Art, and Paintings) which shall be on Sum Insured basis and there would not be any specific declaration from the Insured with regard to the Value of Risk of the respective “Contents” to be Insured.","sources":[{"clause":null,"heading":"Clause I. Waiver of Underinsurance","page":6,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/home-secure-irdan152rp0010v03201617/document/18304#c-clause-i-waiver-of-underinsurance"},{"clause":"15.1","heading":"When the Sum Insured is on a full value basis","page":17,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/home-secure-irdan152rp0010v03201617/document/18304#c-15-1"},{"clause":"15.3","heading":"Adequacy of Sum Insured for “Contents”","page":17,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/home-secure-irdan152rp0010v03201617/document/18304#c-15-3-2"}],"law":[]}],"documents":[{"kind":"wording","label":"Home Secure - UIN (IRDAN152RP0010V03201617)","pages":21,"fetched_at":"2026-10-17 20:14:14+00","source_url":"https://cms.zurichkotak.com/uploads/27_Home_Secure_BGR_Policy_Wordings_Retail_Sanction_Website_36520e790b.pdf","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/home-secure-irdan152rp0010v03201617/document/18304"},{"kind":"prospectus","label":"Home Secure-Prospectus - UIN (IRDAN152RP0010V03201617) (Retail)","pages":12,"fetched_at":"2026-10-17 20:15:42+00","source_url":"https://cms.zurichkotak.com/uploads/19_Home_Secure_Prospectus_24e1646cec_cba924754a.pdf","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/home-secure-irdan152rp0010v03201617/document/18326"},{"kind":"cis","label":"Home Secure","pages":16,"fetched_at":"2026-10-17 20:16:26+00","source_url":"https://cms.zurichkotak.com/uploads/Home_secure_CIS_Final_24_10_2024_Website_5998913455_d0cc43b42f.pdf","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/home-secure-irdan152rp0010v03201617/document/18343"}],"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":"Home Secure (UIN IRDAN152RP0010V03201617), IndiaInsurances, https://indiainsurances.com/policy/zurich-kotak-general-insurance/home-secure-irdan152rp0010v03201617"}