{"uin":"IRDAN158CP0010V01202122","name":"Digit Commercial Crime Insurance Policy (Commercial)","url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-commercial-crime-insurance-policy-commercial-irdan158cp0010v01202122","insurer":{"slug":"go-digit-general-insurance","name":"Go Digit General Insurance Limited","url":"https://indiainsurances.com/insurer/go-digit-general-insurance"},"line":"general","category":"other-general","category_name":"Other general insurance","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Digit Commercial Crime Insurance Policy (Commercial) covers an insured entity for financial loss, property loss, cash and valuables loss, client legal liability, and consultant fees and expenses from covered crime events. The prospectus states that cover can be upto 1 year.","analysis":{"state":"machine","analysed_at":"2026-10-19 18:22:50.000868+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":null,"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":"The coverage under this Policy can be upto 1 year.","display":"upto 1 year","note":null,"quote":"The coverage under this Policy can be upto 1 year.","sources":[{"clause":null,"heading":"What is the maximum period of cover available under this Policy?","page":12,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-commercial-crime-insurance-policy-commercial-irdan158cp0010v01202122/document/678#c-what-is-the-maximum-period-of-cover-available-un"}],"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":"Upon Discovery, written notice must be given to the insurer during the Insurance Period or Discovery Period, if applicable, and at least 30 days after Discovery; if that is not practicable, notice must be given as soon as reasonably practicable but not later than 30 days after the end of the Insurance Period or Discovery Period. For a Client claim for Legal Liability or Expectation Damages, notice to the insurer must be given as soon as possible, and notice to police or local authorities is also required where the Criminal Act and/or IT Criminal Act occurred unless waived.","display":"Written notice during the Insurance Period or Discovery Period and at least 30 days after Discovery; if impracticable, as soon as reasonably practicable but not later than 30 days after the end of that period. Client claims: as soon as possible.","note":null,"quote":"give written notice thereof to the Insurer during the Insurance Period or the Discovery Period, if applicable, and at least 30 days after Discovery. However, in the event that it has not been practicable for the Insured to give such notice in this time-frame, then written notice shall be given as soon as reasonably practicable but not later than 30 days after the end of the Insurance Period or Discovery Period, if applicable; and ... give written notice thereof to the police or the local authorities where the Criminal Act and/or the IT Criminal Act occurred and given written notice thereof to the Insurer as soon as reasonably practicable. This requirement may be waived with the prior written agreement of the Insurer, which shall not be unreasonably withheld. It is a condition of coverage hereunder that upon receipt of any Claim by a Client for Legal Liability or Expectation Damages, the Insured shall give written notice thereof to the Insurer as soon as possible.","sources":[{"clause":null,"heading":"15. Duties in the event of Loss","page":18,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-commercial-crime-insurance-policy-commercial-irdan158cp0010v01202122/document/643#c-15-duties-in-the-event-of-loss"},{"clause":"17(c)(iv)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-commercial-crime-insurance-policy-commercial-irdan158cp0010v01202122/document/643#c-17-c-iv-2"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["a detailed written proof of Loss in a format to be agreed with the Insurer","all requested information and documents","Consultant’s report"],"display":"Detailed written proof of Loss, all requested information and documents, and Consultant’s report if a Consultant is appointed.","note":"The Consultant’s report applies where a Consultant is appointed.","quote":"file with the Insurer a detailed written proof of Loss in a format to be agreed with the Insurer; and\niii. provide all requested information and documents and co-operate with the Insurer with respect to any Loss. ... to prepare a report in English and submit the report to the Insured and the Insurer.","sources":[{"clause":null,"heading":"15. Duties in the event of Loss","page":18,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-commercial-crime-insurance-policy-commercial-irdan158cp0010v01202122/document/643#c-15-duties-in-the-event-of-loss"},{"clause":"17(c)(ii)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-commercial-crime-insurance-policy-commercial-irdan158cp0010v01202122/document/643#c-17-c-ii"}],"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":["Directors or Shareholders’ Criminal Act","Discovery outside the Policy Period","Criminal Act prior to Retroactive date","Indirect Loss","Property damage","Bodily injury","Confidential information, Trade Secrets and Computer Programmes","War and Terrorism","Trading","Pollution","Inventory shortages","Other Insured’s benefit","Kidnap, ransom or extorsion","Employee’s criminal record","Loss after Discovery"],"display":"Directors or shareholders’ criminal acts; discovery outside the policy period; criminal acts before the retroactive date; indirect loss; property damage; bodily injury; confidential information/trade secrets/computer programmes; war and terrorism; trading; pollution; inventory shortages; other insured’s benefit; kidnap, ransom or extorsion; employee’s criminal record; loss after discovery.","note":null,"quote":"Any Loss resulting directly or indirectly from any Criminal Act or IT Criminal Act of any Director on the main board of the Insured and/or any shareholder controlling more than % as mentioned in Policy Schedule of the issued share capital of the Insured at the time of the Criminal Act\n2. Discovery outside the Policy Period Any Loss resulting from any Criminal Act or IT Criminal Act first Discovered prior to the Inception Date of the Policy Period as specified in Policy Schedule; or subsequent to the Expiry Date of the Policy Period as specified in Policy Schedule. ... Any Loss resulting from any Criminal Act or IT Criminal Act committed prior to the Retroactive date as specified in Policy Schedule. ... Any Indirect Loss incurred by the Insured ... Any Loss as a result of any destruction, damage or physical loss of or to Property resulting from contributed or aggravated by: ... Loss which is based upon, attributable to or in any way connected to a bodily injury suffered by the Insured or by any Third- Party. ... Loss of or the actual or alleged plagiarism of, or Loss arising directly or indirectly from the accessing of, any confidential information (including but not limited to Trade Secrets, Computer Programmes, customer information, patents, trademarks, trade names, copyrights or any other form of intellectual property), except to the extent that any such information has been used to support or facilitate the commission of a Criminal Act or IT Criminal Act covered by this policy. ... Any liability of whatsoever nature directly or indirectly caused by, in connection with or contributed to by or arising from any consequence of war, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, insurrection, rebellion, revolution, mutiny , military or usurped power, riot, strike, lockout, military or popular uprising, civil commotion, martial law, Terrorism or loot, sack or pillage in connection therewith, or confiscation or nationalization or requisition or destruction of or damage to property by or under the order of any government or public or local authority. ... Any Loss resulting from Trading, whether in one’s own name or in a genuine or fictitious account, unless such Loss is covered under Coverage for Financial Loss and/or Property Loss. ... This insurance does not apply to any damages, Loss, cost or expense arising out of the actual, alleged or threatened discharge, dispersal, seepage, migration, release or escape of Pollutants. ... Any Loss the proof of which is dependent solely upon a\na) profit and loss computation or comparison, or\nb) comparison of inventory records with an actual physical count. ... Any Loss sustained by any one Insured to the benefit of any other Insured. ... Any Loss as a result of kidnap, ransom or extortion payment (as distinct from Robbery). ... Any Loss as a result of any Criminal Act or IT Criminal Act committed by any Employee whose previous criminal record was known by the legal representative of the Insured, or his direct manager or the human resources department of the company where he is employed. ... Any Loss as a result of any Criminal Act or IT Criminal Act committed by any Employee after a previous Criminal Act or IT Criminal Act committed by the same Employee is Discovered.","sources":[{"clause":null,"heading":"1. Directors or Shareholders’ Criminal Act","page":13,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-commercial-crime-insurance-policy-commercial-irdan158cp0010v01202122/document/643#c-1-directors-or-shareholders-criminal-act"},{"clause":null,"heading":"3. Criminal Act prior to Retroactive date","page":13,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-commercial-crime-insurance-policy-commercial-irdan158cp0010v01202122/document/643#c-3-criminal-act-prior-to-retroactive-date"},{"clause":null,"heading":"4. Indirect Loss","page":13,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-commercial-crime-insurance-policy-commercial-irdan158cp0010v01202122/document/643#c-4-indirect-loss"},{"clause":null,"heading":"5. Property damage","page":13,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-commercial-crime-insurance-policy-commercial-irdan158cp0010v01202122/document/643#c-5-property-damage"},{"clause":null,"heading":"6. Bodily injury","page":13,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-commercial-crime-insurance-policy-commercial-irdan158cp0010v01202122/document/643#c-6-bodily-injury"},{"clause":null,"heading":"7. Confidential information, Trade Secrets and Computer Programmes","page":13,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-commercial-crime-insurance-policy-commercial-irdan158cp0010v01202122/document/643#c-7-confidential-information-trade-secrets-and-com"},{"clause":null,"heading":"8. War and Terrorism","page":13,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-commercial-crime-insurance-policy-commercial-irdan158cp0010v01202122/document/643#c-8-war-and-terrorism"},{"clause":null,"heading":"9. Trading","page":13,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-commercial-crime-insurance-policy-commercial-irdan158cp0010v01202122/document/643#c-9-trading"},{"clause":"10","heading":"Pollution","page":14,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-commercial-crime-insurance-policy-commercial-irdan158cp0010v01202122/document/643#c-10-2"},{"clause":"11","heading":"Inventory shortages","page":14,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-commercial-crime-insurance-policy-commercial-irdan158cp0010v01202122/document/643#c-11-2"},{"clause":"12","heading":"Other Insured’s benefit","page":14,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-commercial-crime-insurance-policy-commercial-irdan158cp0010v01202122/document/643#c-12-2"},{"clause":"13","heading":"Kidnap, ransom or extorsion","page":14,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-commercial-crime-insurance-policy-commercial-irdan158cp0010v01202122/document/643#c-13-2"},{"clause":"14","heading":"Employee’s criminal record","page":14,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-commercial-crime-insurance-policy-commercial-irdan158cp0010v01202122/document/643#c-14-2"},{"clause":"15","heading":"Loss after Discovery","page":14,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-commercial-crime-insurance-policy-commercial-irdan158cp0010v01202122/document/643#c-15-2"}],"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 lodge a complaint with Digit by calling the 24X7 toll free number 1800-258-5956 or by emailing hello@godigit.com. After internal investigation and response, if the response is not satisfactory, the policy says the customer may approach the Insurance Ombudsman.","display":"Call 1800-258-5956 or email hello@godigit.com first; if not satisfied after Digit’s response, approach the Insurance Ombudsman.","note":null,"quote":"if You are not satisfied with Our services and wish to lodge a complaint, please feel free to call Our 24X7 Toll free number 1800-258-5956 or You may email to the customer service desk at hello@godigit.com. After investigating the matter internally and subsequent closure, We will send Our response.\nIf You do not get a satisfactory response from Us and You wish to pursue other avenues for redressal of grievances, You may approach Insurance Ombudsman appointed by IRDAI under the Insurance Ombudsman Scheme.","sources":[{"clause":"37","heading":"Customer Grievance Redressal Policy","page":21,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-commercial-crime-insurance-policy-commercial-irdan158cp0010v01202122/document/643#c-37-2"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"perils","label":"What is covered","section":"Cover","meaning":"The events or risks covered.","status":"quote-verified","value":["Financial Loss and/or Property Loss sustained by You as a direct result of any Criminal Act","loss or destruction of Cash & Valuables located in the Premises, sustained by You as a direct result of any Theft or Robbery","Financial Loss sustained by You as a result of any Claim by a Client for Legal Liability that directly results from a Criminal Act","reasonable costs, fees and expenses incurred with the prior written consent of the Company /Insurer for any Consultant appointed to determine the amount of any Loss covered under this policy"],"display":"Base coverages: financial/property loss from Criminal Act; cash and valuables loss from Theft or Robbery; client legal liability from Criminal Act; consultant fees and expenses.","note":"Optional covers are applicable only if selected and mentioned in the Policy Schedule.","quote":"We will indemnify You for Financial Loss and/or Property Loss sustained by You as a direct result of any Criminal Act, which is first Discovered during the Policy Period or the Discovery Period, if applicable within the Coverage territory, and notified to Us, subject always to the Limit of Indemnity mentioned in the Policy Schedule, terms, conditions, warranties, exclusions and Deductible of this Policy. ... We will indemnify You for any loss or destruction of Cash & Valuables located in the Premises, sustained by You as a direct result of any Theft or Robbery. We will indemnify You for any loss of Cash & Valuables, sustained by You as a direct result of any Robbery not in the Premises. ... We will indemnify You for Financial Loss sustained by You as a result of any Claim by a Client for Legal Liability that directly results from a Criminal Act which is first Discovered during the Policy Period or the Discovery Period, if applicable, within the Coverage territory and notified to Us, subject always to the Limit of Indemnity mentioned in the Policy Schedule, terms, conditions, warranties, exclusions and Deductible of this Policy. ... We will indemnify You for all reasonable costs, fees and expenses incurred with the prior written consent of the Company /Insurer for any Consultant appointed to determine the amount of any Loss covered under this policy","sources":[{"clause":"Section 1","heading":"Coverage for Financial Loss and/or Property Loss","page":9,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-commercial-crime-insurance-policy-commercial-irdan158cp0010v01202122/document/643#c-section-1"},{"clause":"Section 2","heading":"Coverage for Cash & Valuables","page":9,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-commercial-crime-insurance-policy-commercial-irdan158cp0010v01202122/document/643#c-section-2"},{"clause":"Section 3","heading":"Coverage for the Insured’s Legal Liability","page":9,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-commercial-crime-insurance-policy-commercial-irdan158cp0010v01202122/document/643#c-section-3"},{"clause":"Section 4","heading":"Fees and Expenses","page":9,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-commercial-crime-insurance-policy-commercial-irdan158cp0010v01202122/document/643#c-section-4"}],"law":[]},{"key":"deductible","label":"Deductible or excess","section":"Limits and co-pay","meaning":"Amount of each claim you bear.","status":"not-stated","value":null,"display":null,"note":"The wording says the deductible is the amount stated or shown in the Policy Schedule, but the Policy Schedule is not included.","quote":null,"sources":[],"law":[]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"The insured may cancel with Fifteen (15) days’ notice. If there is no Claim under the Policy, refund is 90% of annual premium if not exceeding 1 week on risk, 75% if not exceeding 1 month, 65% if not exceeding 2 months, 50% if not exceeding 3 months, 40% if not exceeding 4 months, 25% if not exceeding 6 months, 15% if not exceeding 8 months, and 0% if exceeding 8 months.","display":"With Fifteen (15) days’ notice and no claim: 90% up to 1 week; 75% up to 1 month; 65% up to 2 months; 50% up to 3 months; 40% up to 4 months; 25% up to 6 months; 15% up to 8 months; 0% after 8 months.","note":null,"quote":"Policy may be cancelled at the option of the insured with Fifteen (15) days’ notice of cancellation and We will be entitled to retain premium on short period scale of rates for the period for which the cover has been in existence prior to the cancellation of the Policy. The balance premium, if any, will be refundable to the insured. In case of cancellation of Policy by the insured, premium would be refunded as per below table subject to there being no Claim under the Policy:\nPeriod on Risk | % of Premium to be Refunded\nNot Exceeding 1 Week | 90% of the Annual Premium\nNot Exceeding 1 Month | 75% of the Annual Premium\nNot Exceeding 2 Months | 65% of the Annual Premium\nNot Exceeding 3 Months | 50% of the Annual Premium\nNot Exceeding 4 Months | 40% of the Annual Premium\nNot Exceeding 6 Months | 25% of the Annual Premium\nNot Exceeding 8 Months | 15% of the Annual Premium\nExceeding 8 Months | 0% of the Annual Premium","sources":[{"clause":"17(a)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-commercial-crime-insurance-policy-commercial-irdan158cp0010v01202122/document/643#c-17-a-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":"The wording defines Coverage Territory as the country of location of Your Business as mentioned in the Policy Schedule, but the Policy Schedule is not included.","quote":null,"sources":[],"law":[]},{"key":"subject_covered","label":"What is insured","section":"Cover","meaning":"The thing or risk this policy covers.","status":"quote-verified","value":"The policy insures the entity against covered Financial Loss and/or Property Loss from Criminal Acts, loss or destruction of Cash & Valuables from Theft or Robbery, client Legal Liability from Criminal Acts, and approved consultant fees and expenses to determine covered Loss.","display":"Financial/property loss from Criminal Acts, cash and valuables loss from Theft or Robbery, client legal liability, and consultant fees and expenses.","note":null,"quote":"We will indemnify You for Financial Loss and/or Property Loss sustained by You as a direct result of any Criminal Act ... We will indemnify You for any loss or destruction of Cash & Valuables located in the Premises, sustained by You as a direct result of any Theft or Robbery. ... We will indemnify You for Financial Loss sustained by You as a result of any Claim by a Client for Legal Liability that directly results from a Criminal Act ... We will indemnify You for all reasonable costs, fees and expenses incurred with the prior written consent of the Company /Insurer for any Consultant appointed to determine the amount of any Loss covered under this policy","sources":[{"clause":"Section 1","heading":"Coverage for Financial Loss and/or Property Loss","page":9,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-commercial-crime-insurance-policy-commercial-irdan158cp0010v01202122/document/643#c-section-1"},{"clause":"Section 2","heading":"Coverage for Cash & Valuables","page":9,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-commercial-crime-insurance-policy-commercial-irdan158cp0010v01202122/document/643#c-section-2"},{"clause":"Section 3","heading":"Coverage for the Insured’s Legal Liability","page":9,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-commercial-crime-insurance-policy-commercial-irdan158cp0010v01202122/document/643#c-section-3"},{"clause":"Section 4","heading":"Fees and Expenses","page":9,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-commercial-crime-insurance-policy-commercial-irdan158cp0010v01202122/document/643#c-section-4"}],"law":[]}],"documents":[{"kind":"wording","label":"Policy Wording - Digit Commercial Crime Insurance Policy (Commercial) - IRDAN158CP0010V01202122","pages":24,"fetched_at":"2026-10-17 19:39:44+00","source_url":"https://www.godigit.com/content/dam/godigit/directportal/en/downloads/others/Policy%20Wording%20-%20Digit%20Commercial%20Crime%20Insurance%20Policy%20(Commercial).pdf","url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-commercial-crime-insurance-policy-commercial-irdan158cp0010v01202122/document/643"},{"kind":"prospectus","label":"Prospectus - Digit Commercial Crime Insurance Policy (Commercial) - IRDAN158CP0010V01202122","pages":13,"fetched_at":"2026-10-17 19:40:19+00","source_url":"https://www.godigit.com/content/dam/godigit/directportal/en/downloads/others/Prospectus%20-Digit%20Commercial%20Crime%20Insurance%20Policy%20(Commercial).pdf","url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-commercial-crime-insurance-policy-commercial-irdan158cp0010v01202122/document/678"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Go Digit General Insurance official website","url":"https://www.godigit.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":"Motor claims","url":"https://www.godigit.com/motor-claims","note":null},{"purpose":"claim","kind":"insurer","name":"Travel claims","url":"https://www.godigit.com/international-travel-insurance/file-a-claim","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 procedure","url":"https://www.godigit.com/claim/grievance-redressal-procedure","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."}],"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":"Digit Commercial Crime Insurance Policy (Commercial) (UIN IRDAN158CP0010V01202122), IndiaInsurances, https://indiainsurances.com/policy/go-digit-general-insurance/digit-commercial-crime-insurance-policy-commercial-irdan158cp0010v01202122"}