{"uin":"IRDAN155RP0072V01202021","name":"Navi Bharat Griha Raksha Policy","url":"https://indiainsurances.com/policy/navi-general-insurance/navi-bharat-griha-raksha-policy-irdan155rp0072v01202021","insurer":{"slug":"navi-general-insurance","name":"Navi General Insurance Limited","url":"https://indiainsurances.com/insurer/navi-general-insurance"},"line":"general","category":"home","category_name":"Home insurance","irdai_type":"Main product","kind":"product","status":"active","approved_on":"2021-03-28","withdrawn_on":null,"summary":"Navi Bharat Griha Raksha Policy covers Home Building and/or Home Contents against listed events such as fire, earthquake, flood, terrorism and theft within 7 days of an insured event. The policy can run for one year or more up to 10 years, has no underinsurance clause, and includes general contents cover at 20% of the building sum insured up to ₹ 10 Lakh when both building and contents are covered.","analysis":{"state":"machine","analysed_at":"2026-10-20 02:01:32.43815+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 covers and optional covers, but do not name separate 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":"quote-verified","value":"You can buy the policy for one year or more than one year, but the policy duration cannot exceed 10 years.","display":"One year or more than one year, up to 10 years","note":null,"quote":"You can buy the policy for one year or more than one year but the policy duration cannot exceed 10 years.","sources":[{"clause":"Row 4(ii)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-bharat-griha-raksha-policy-irdan155rp0072v01202021/document/13311#c-row-4-ii"}],"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":"Give notice to the insurer immediately. Submit the claim form at the earliest opportunity, but within 30 days from the date you first notice the loss or damage.","display":"Notice immediately; claim form within 30 days from first noticing the loss or damage","note":null,"quote":"When You suffer loss or damage to Your Home Building or articles or things in it, You must Navi Bharat Griha Raksha Policy – Prospectus | UIN: IRDAN155RP0072V01202021 Navi General Insurance Limited − give notice to Us immediately, You must state in this notice ... submit claim form at the earliest opportunity but within 30 days from date You first notice the loss or damage","sources":[{"clause":"Row 1(b)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-bharat-griha-raksha-policy-irdan155rp0072v01202021/document/13311#c-row-1-b"},{"clause":"Row 1(b)(ix)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-bharat-griha-raksha-policy-irdan155rp0072v01202021/document/13311#c-row-1-b-ix"}],"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":["details of report to the police that You made","details of report to any Authority that You made","submit photographs of loss or physical damage, wherever possible","all information, books of accounts, and other documents","claim form"],"display":"Police and authority report details, photographs where possible, information/books/accounts/other documents, and claim form","note":null,"quote":"iii) details of report to the police that You made, ... iv) details of report to any Authority that You made, ... ix) submit photographs of loss or physical damage, wherever possible. ... give Us all information, books of accounts, and other documents, ... submit claim form at the earliest opportunity but within 30 days from date You first notice the loss or damage","sources":[{"clause":"Row 1(b)(iii)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-bharat-griha-raksha-policy-irdan155rp0072v01202021/document/13311#c-row-1-b-iii"},{"clause":"Row 1(b)(iv)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-bharat-griha-raksha-policy-irdan155rp0072v01202021/document/13311#c-row-1-b-iv"},{"clause":"Row 1(b)(ix)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-bharat-griha-raksha-policy-irdan155rp0072v01202021/document/13311#c-row-1-b-ix"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Your deliberate, wilful or intentional act or omission, or of anyone on Your behalf, or with Your connivance.","War, invasion, act of foreign enemy hostilities or war-like operations","Ionising radiation or contamination by radioactivity","Pollution or contamination, unless the pollution or contamination itself has resulted from an Insured Event, or an Insured Event itself results from pollution or contamination.","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 on documents of any kind, coins or paper money, cheques, vehicles, and explosive substances","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":"Deliberate acts; war; nuclear radiation; pollution except insured-event cases; electrical/electronic damage by short circuit etc.; specified valuables/documents/vehicles/explosives; missing or mislaid property; property removed from home; consequential loss; reduction in market value; additions increasing carpet area by more than 10%; claim preparation costs","note":null,"quote":"1. Your deliberate, wilful or intentional act or omission, or of anyone on Your behalf, or with Your connivance. ... 2. War, invasion, act of foreign enemy hostilities or war-like operations (whether war is declared or\nnot), civil war, mutiny, civil commotion amounting to a popular rising, military rising, rebellion, revolution, insurrection or military or usurped power. ... 3. 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. ... 4. Pollution or contamination, unless\ni. the pollution or contamination itself has resulted from an Insured Event, Navi Bharat Griha Raksha Policy – Prospectus | UIN: IRDAN155RP0072V01202021 Navi General Insurance Limited or\nii. an Insured Event itself results from pollution or contamination. ... 5. 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. ... 6. Loss or damage to bullion or unset precious stones, manuscripts, plans, drawings, securities, obligations on documents of any kind, coins or paper money, cheques, vehicles, and explosive substances, unless otherwise expressly stated in the policy. ... 7. Loss of any Insured Property which is missing or has been mislaid, or its disappearance cannot be linked to any single identifiable event. ... 8. Loss or damage to any Insured Property removed from Your Home to any other place. ... 9. Loss of earnings, loss by delay, loss of market or other consequential or indirect loss or damage of any kind or description whatsoever. ... 10. Any reduction in market value of any Insured Property after its repair or reinstatement. ... 11. 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 later renewal of this Policy, unless You have paid additional premium and such addition, extension or alteration is added by Endorsement. ... 12. Costs, fees or expenses for preparing any claim.","sources":[{"clause":"Row 4(b)(ii)","heading":"Personal Accident Cover","page":11,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-bharat-griha-raksha-policy-irdan155rp0072v01202021/document/13311#c-row-4-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":"quote-verified","value":"First complain to the insurer's Grievance Redressal Officer at gro@navi.com.","display":"Our Grievance Redressal Officer at gro@navi.com","note":null,"quote":"If You have any grievance about any matter relating to the policy, or Our decision on any matter, or Our decision about Your claim, You can pursue Your grievance with\n1. Our Grievance Redressal Officer at gro@navi.com","sources":[{"clause":"Row 1(b)(ix)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-bharat-griha-raksha-policy-irdan155rp0072v01202021/document/13311#c-row-1-b-ix"}],"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, 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 days from the occurrence of and proximately caused by any of the above Insured Events"],"display":"Fire; explosion/implosion; lightning; earthquake/volcanic eruption/convulsions of nature; storm etc.; subsidence/landslide/rockslide; bush/forest/jungle fire; impact damage; missile testing; riot/strikes/malicious damages; terrorism; bursting or overflowing water tanks/apparatus/pipes; sprinkler leakage; theft within 7 days caused by an insured event","note":null,"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, Jungle Fire | - ... 8. | 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 days from the occurrence of and proximately caused by any of the above Insured Events. | if it is a. any article or thing outside Your Home, or b. 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":4,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-bharat-griha-raksha-policy-irdan155rp0072v01202021/document/13311#c-row-1-2"},{"clause":"Row 2","heading":"Explosion or Implosion","page":4,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-bharat-griha-raksha-policy-irdan155rp0072v01202021/document/13311#c-row-2-2"},{"clause":"Row 3","heading":"Lightning","page":4,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-bharat-griha-raksha-policy-irdan155rp0072v01202021/document/13311#c-row-3-2"},{"clause":"Row 4","heading":"Earthquake, volcanic eruption, or other convulsions of nature","page":4,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-bharat-griha-raksha-policy-irdan155rp0072v01202021/document/13311#c-row-4"},{"clause":"3(ii)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-bharat-griha-raksha-policy-irdan155rp0072v01202021/document/13311#c-3-ii-2"}],"law":[]},{"key":"deductible","label":"Deductible or excess","section":"Limits and co-pay","meaning":"Amount of each claim you bear.","status":"not-stated","value":null,"display":null,"note":"The listed terrorism peril says exclusions and excess are as per the Terrorism Clause attached, but the amount of any deductible or excess is not printed in the supplied clauses.","quote":null,"sources":[],"law":[]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"You can cancel at any time. For an annual policy, the refund is 90% up to 15 days, 85% up to 1 month, 70% up to 2 months, 60% up to 3 months, 50% up to 4 months, 40% up to 5 months, 30% up to 6 months, 25% up to 7 months, 20% up to 8 months, 15% up to 9 months, and nil after 9 months; no refund is allowed if there has been a claim. For a long-term policy, premium is retained for the period the policy has been in force, with a fraction of a year rounded to the next higher year.","display":"Annual policy: 90% up to 15 days, 85% up to 1 month, 70% up to 2 months, 60% up to 3 months, 50% up to 4 months, 40% up to 5 months, 30% up to 6 months, 25% up to 7 months, 20% up to 8 months, 15% up to 9 months, nil after 9 months; no refund if there has been a claim","note":null,"quote":"You can cancel the Policy.\n1. Cancellation at any time: You can cancel the policy at any time during the policy period. If You cancel the policy, We will refund premium as follows:\nAnnual policy:\nNavi Bharat Griha Raksha Policy – Prospectus | UIN: IRDAN155RP0072V01202021 Navi General Insurance Limited\nTime for which Policy in force | Refund of premium\nFor a period not exceeding 15 days | 90% of the Premium\nFor a period not exceeding 1 month | 85% of the Premium\nFor a period not exceeding 2 months | 70% of the Premium\nFor a period not exceeding 3 months | 60% of the Premium\nFor a period not exceeding 4 months | 50% of the Premium\nFor a period not exceeding 5 months | 40% of the Premium\nFor a period not exceeding 6 months | 30% of the Premium\nFor a period not exceeding 7 months | 25% of the Premium\nFor a period not exceeding 8 months | 20% of the Premium\nFor a period not exceeding 9 months | 15% of the Premium\nFor a period exceeding 9 months | Nil Refund\nNo refund shall be allowed if there has been a claim under the policy.\nLong term Policy may be terminated by You subject to the following conditions:\nPremium will be retained for the period policy has been in force. For this purpose, fraction of a year shall be rounded to the next higher year.","sources":[{"clause":null,"heading":"Table of Contents","page":13,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-bharat-griha-raksha-policy-irdan155rp0072v01202021/document/13311#c-table-of-contents-2"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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 Home Building Cover covers the home building, including fittings and fixtures and listed additional structures. The sum insured is equal to the cost of construction of the Home Building including fittings and fixtures at the policy commencement date.","display":"Covers home building, fittings/fixtures and additional structures; sum insured equals cost of construction at policy commencement","note":null,"quote":"The Building: You can purchase this cover for Your home, i.e., Your building, flat, apartment, duplex apartment, bungalow or any dwelling place. Fittings and fixtures are included. Additional structures like garages, domestic outhouses for residence, compound walls, fences, gates, retaining walls and internal roads, parking space, water tanks for residence, parking space, are also covered. ... Sum Insured The Sum Insured for the Home Building Cover shall be equal to the Cost of Construction of Your Home Building including fittings and fixtures at the Policy Commencement date.","sources":[{"clause":"Row 4(ii)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-bharat-griha-raksha-policy-irdan155rp0072v01202021/document/13311#c-row-4-ii"}],"law":[]},{"key":"contents_cover","label":"Contents cover","section":"Cover","meaning":"Cover for household goods, jewellery and valuables, and limits.","status":"quote-verified","value":"Home Contents Cover covers articles or things of personal, non-commercial use inside the home. When both Home Building and Home Contents cover are opted, General Contents are in-built at 20% of the Home Building Sum Insured subject to a maximum of ₹ 10 Lakh; a higher sum insured can be chosen by declaration and additional premium, and Valuable Contents can be covered as an optional cover on an agreed value basis.","display":"General contents inside the home; in-built 20% of building sum insured up to ₹ 10 Lakh when both covers are opted; higher SI by declaration and premium; valuables optional on agreed value basis","note":"Valuable Contents on Agreed Value Basis is an optional cover and requires additional premium.","quote":"The Contents: You can purchase this cover for the articles or things of personal, non-commercial use which are located inside Your home. This policy covers General Contents that are usual in any home i.e., furniture and fittings, television sets, telephones, electronic items, antennas, water storage equipment, air conditioners, kitchen equipment and other household items. You can pay additional premium and purchase cover for Valuable Contents, like jewellery, silverware, paintings, works of art, valuable carpets, antique items, curios, paintings. ... The Policy has an in-built cover for 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) if You have opted for both Home Building and Home Contents cover. You can choose a higher Sum Insured by declaring it in the Proposal Form, along with details and by paying additional premium. ... Cover for Valuable Contents on Agreed Value Basis (under Home Contents Cover): Valuable contents of Your Home such as jewellery, silverware, paintings, works of art etc. can be covered under this optional cover.","sources":[{"clause":"Row 4(b)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-bharat-griha-raksha-policy-irdan155rp0072v01202021/document/13311#c-row-4-b"},{"clause":"Row 4(b)(i)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-bharat-griha-raksha-policy-irdan155rp0072v01202021/document/13311#c-row-4-b-i"}],"law":[]},{"key":"burglary","label":"Burglary and theft","section":"Cover","meaning":"Whether burglary is covered.","status":"quote-verified","value":"The policy covers theft only when it is within 7 days from the occurrence of, and proximately caused by, the insured events.","display":"Theft within 7 days from and proximately caused by an insured event","note":"The supplied clauses do not state a standalone burglary cover.","quote":"14. | Theft within 7 days from the occurrence of and proximately caused by any of the above Insured Events. | if it is a. any article or thing outside Your Home, or b. any article or thing attached from the outside of the outer walls or the roof of Your Home, unless securely mounted.","sources":[{"clause":"3(ii)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-bharat-griha-raksha-policy-irdan155rp0072v01202021/document/13311#c-3-ii-2"}],"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 for Loss of Rent and Rent for Alternative Accommodation while the Home Building is not fit for living because of physical loss arising out of an Insured Event.","display":"Loss of Rent and Rent for Alternative Accommodation while the Home Building is not fit for living due to physical loss from an Insured Event","note":null,"quote":"Further, the policy also pays for Loss of Rent and Rent for Alternative Accommodation while the Home Building is not fit for living because of physical loss arising out of an Insured Event.","sources":[{"clause":"Row 4(b)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-bharat-griha-raksha-policy-irdan155rp0072v01202021/document/13311#c-row-4-b"}],"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":"Home Building sum insured is based on the prevailing cost of construction at policy commencement and is calculated from carpet area times the accepted rate of cost of construction plus additional structures. For General Contents, the chosen sum insured must cover replacement cost. Optional valuable contents may be on an agreed value basis.","display":"Building: cost of construction; General Contents: replacement cost; Valuable Contents: agreed value basis optional","note":null,"quote":"For Home Building:\nThe maximum amount We pay under this Policy is the Sum Insured which is based on the prevailing Cost of Construction of Your Home Building at the Policy Commencement Date as declared by You and accepted by Us. ... The cost of construction is calculated as follows- [Carpet area of Your home structure in sq. m. X rate of cost of construction at the commencement date declared by You and accepted by Us] + cost of construction for additional structures at the Policy Commencement date declared by You and accepted by Us. ... The Sum Insured You have chosen must be enough to cover the cost of replacement of the Contents when You purchase the policy. ... Cover for Valuable Contents on Agreed Value Basis (under Home Contents Cover):","sources":[{"clause":"Row 4(i)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-bharat-griha-raksha-policy-irdan155rp0072v01202021/document/13311#c-row-4-i"},{"clause":"Row 4(ii)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-bharat-griha-raksha-policy-irdan155rp0072v01202021/document/13311#c-row-4-ii"},{"clause":"Row 4(b)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-bharat-griha-raksha-policy-irdan155rp0072v01202021/document/13311#c-row-4-b"},{"clause":"Row 4(b)(i)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-bharat-griha-raksha-policy-irdan155rp0072v01202021/document/13311#c-row-4-b-i"}],"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; if the sum insured calculated from the information provided is less than the actual value at risk, the difference will not affect the amount paid.","display":"No underinsurance; claims are not reduced for the difference between calculated sum insured and actual value at risk","note":null,"quote":"Underinsurance does not apply to the Navi Bharat Griha Raksha policy. This is a very special feature of this policy. Thus, if Your Sum Insured calculated on the basis of the information that You have provided Us is less than the actual value at risk, the difference will not affect the amount We pay.","sources":[{"clause":"Row 4(ii)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/navi-general-insurance/navi-bharat-griha-raksha-policy-irdan155rp0072v01202021/document/13311#c-row-4-ii"}],"law":[]}],"documents":[{"kind":"wording","label":"Navi Bharat Griha Raksha Policy (IRDAI copy)","pages":23,"fetched_at":"2026-10-20 01:38:15+00","source_url":"https://irdai.gov.in/documents/37343/993134/IRDAN155RP0072V01202021_GEN4128.pdf/1af07945-d2e1-6ed4-0b78-b27fff345bce?version=1.1&t=1668426406920&download=true","url":"https://indiainsurances.com/policy/navi-general-insurance/navi-bharat-griha-raksha-policy-irdan155rp0072v01202021/document/26895"},{"kind":"prospectus","label":"NaviBharatGrihaRakshaPolicy Prospectus","pages":16,"fetched_at":"2026-10-17 19:51:59+00","source_url":"https://public-navi-docs.s3.ap-south-1.amazonaws.com/NaviInsurance/NaviBharatGrihaRakshaPolicy/2020-2021/January/NaviBharatGrihaRakshaPolicy%20Prospectus.pdf","url":"https://indiainsurances.com/policy/navi-general-insurance/navi-bharat-griha-raksha-policy-irdan155rp0072v01202021/document/13311"},{"kind":"cis","label":"NaviBharatGrihaRakshaPolicy CIS","pages":9,"fetched_at":"2026-10-17 19:51:57+00","source_url":"https://public-navi-docs.s3.ap-south-1.amazonaws.com/NaviInsurance/NaviBharatGrihaRakshaPolicy/2020-2021/January/NaviBharatGrihaRakshaPolicy%20CIS.pdf","url":"https://indiainsurances.com/policy/navi-general-insurance/navi-bharat-griha-raksha-policy-irdan155rp0072v01202021/document/13309"}],"versions":[{"uin":"GEN4128","version":null,"approved_on":null},{"uin":"IRDAN155RP0072V01202021","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Navi General Insurance official website","url":"https://www.naviinsurance.com","note":"Website as listed by IRDAI. Not checked: the site blocks automated requests (bot wall) for our crawler on 2026-10-19; we do not bypass walls."},{"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":"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":"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."}],"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":"Navi Bharat Griha Raksha Policy (UIN IRDAN155RP0072V01202021), IndiaInsurances, https://indiainsurances.com/policy/navi-general-insurance/navi-bharat-griha-raksha-policy-irdan155rp0072v01202021"}