{"uin":"IRDAN159RP0007V01202021","name":"Contractor’s All Risks Insurance Policy","url":"https://indiainsurances.com/policy/zuno-general-insurance/contractors-all-risks-insurance-policy-irdan159rp0007v01202021","insurer":{"slug":"zuno-general-insurance","name":"Zuno General Insurance Ltd","url":"https://indiainsurances.com/insurer/zuno-general-insurance"},"line":"general","category":"engineering","category_name":"Engineering","irdai_type":"Main product","kind":"product","status":"active","approved_on":"2020-06-08","withdrawn_on":null,"summary":"Contractor’s All Risks Insurance Policy is an engineering policy covering material damage to contract works during the construction period and Section II third-party liability. The sum insured is based on the completely erected value, and claims must be notified immediately with no liability if notice is not received within 14 days.","analysis":{"state":"machine","analysed_at":"2026-10-20 08:36:07.714325+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 wording has sections and endorsements, but no named plan variants.","quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"Construction period: cover starts from commencement of work after unloading at the site and expires on the date specified in the schedule; it may be extended for additional premium if work is not completed within the specified time.","display":"Construction period, from commencement of work after unloading at site to the scheduled expiry date; extension may be allowed for additional premium.","note":null,"quote":"PERIOD OF COVER – Construction Period - The liability of the Company shall commence, (notwithstanding any date to the contrary specified in the Schedule) only from the time of commencement of work after the unloading of the property specified in the schedule from any conveyance at the site specified in the schedule whichever is earlier and shall expire on the date specified in the schedule. ... the Company may extend the period of insurance but the Insured shall pay to the Company additional premium at rates to be prescribed by the Company.","sources":[{"clause":null,"heading":"CONTRACTOR’S ALL RISKS INSURANCE POLICY - RETAIL","page":2,"url":"https://indiainsurances.com/policy/zuno-general-insurance/contractors-all-risks-insurance-policy-irdan159rp0007v01202021/document/26703#c-contractors-all-risks-insurance-policy-retail"}],"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":"The insured must immediately notify the company by telephone and in writing, giving the nature and extent of loss or damage. The company is not liable if notice is not received within 14 days of the occurrence.","display":"Immediately by telephone and in writing; no liability if notice is not received within 14 days.","note":null,"quote":"a) Immediately notify the Company by Telephone as well as in writing giving an indication as to the nature and extent of loss or damage; ... The Company shall not in any case be liable for loss, damage or liability of which no notice has been received by the Company within 14 days of its occurrence.","sources":[{"clause":"5(a)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/zuno-general-insurance/contractors-all-risks-insurance-policy-irdan159rp0007v01202021/document/26703#c-5-a"},{"clause":"5(e)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/zuno-general-insurance/contractors-all-risks-insurance-policy-irdan159rp0007v01202021/document/26703#c-5-e"}],"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":["all such information and documentary evidence as the Company may require"],"display":"All such information and documentary evidence as the Company may require.","note":"No specific named claim documents are listed in the wording.","quote":"d) furnish all such information and documentary evidence as the Company may require;","sources":[{"clause":"5(d)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/zuno-general-insurance/contractors-all-risks-insurance-policy-irdan159rp0007v01202021/document/26703#c-5-d"}],"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":["War, Invasion, Act of foreign enemy, hostilities or War like operations","Nuclear reaction, Nuclear radiation or Radioactive contamination","Willful act or willful negligence of the Insured or of his responsible representative","Cessation of work whether total or partial","any act of terrorism","loss discovered only at the time of taking an inventory","normal wear and tear, gradual deterioration due to atmospheric conditions or lack of use or obsolescence","loss or damage due to faulty design","the cost of replacement, repair or rectification of defective material and/or workmanship","the cost necessary for rectification or correction of any error during construction unless resulting in physical loss or damage","any damage or penalties on account of the Insured's non-fulfillment of the terms of delivery or completion","loss of or damage to vehicles licensed for general road use or water borne vessels"],"display":"War, nuclear risks, willful act or negligence, cessation of work, terrorism, inventory-only losses, wear and tear, faulty design, defective material or workmanship costs, construction error rectification costs, contractual penalties or consequential loss, and vehicles or water-borne vessels.","note":null,"quote":"a) War, Invasion, Act of foreign enemy, hostilities or War like operations (whether war be declared or not) Civil War, rebellion, revolution, insurrection, mutiny, Civil commotion, Military or usurped power ... b) Nuclear reaction, Nuclear radiation or Radioactive contamination; ... c) Willful act or willful negligence of the Insured or of his responsible representative; ... d) Cessation of work whether total or partial; ... This policy excludes loss, damage cost or expense of whatsoever nature directly or indirectly caused by, resulting from or in connection with any act of terrorism ... b) loss discovered only at the time of taking an inventory; ... c) normal wear and tear, gradual deterioration due to atmospheric conditions or lack of use or obsolescence or otherwise, rust, scratching of painted or polished surfaces or breakage of glass; ... d) loss or damage due to faulty design; ... e) the cost of replacement, repair or rectification of defective material and/or workmanship ... f) the cost necessary for rectification or correction of any error during construction unless resulting in physical loss or damage; ... h) any damage or penalties on account of the Insured's non-fulfillment of the terms of delivery or completion under his Contract of construction or of any obligations assumed there under or lack of performance including consequential loss of any kind or description or for any aesthetic defects or operational deficiencies; ... i) loss of or damage to vehicles licensed for general road use or water borne vessels or Machinery/Equipment mounted or operated or fixed on floating vessels/craft/barges or aircraft.","sources":[{"clause":null,"heading":"CONTRACTOR’S ALL RISKS INSURANCE POLICY - RETAIL","page":2,"url":"https://indiainsurances.com/policy/zuno-general-insurance/contractors-all-risks-insurance-policy-irdan159rp0007v01202021/document/26703#c-contractors-all-risks-insurance-policy-retail"},{"clause":"Section I(b)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/zuno-general-insurance/contractors-all-risks-insurance-policy-irdan159rp0007v01202021/document/26703#c-section-i-b"},{"clause":"Section I(c)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/zuno-general-insurance/contractors-all-risks-insurance-policy-irdan159rp0007v01202021/document/26703#c-section-i-c"},{"clause":"Section I(d)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/zuno-general-insurance/contractors-all-risks-insurance-policy-irdan159rp0007v01202021/document/26703#c-section-i-d"},{"clause":"Section I(e)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/zuno-general-insurance/contractors-all-risks-insurance-policy-irdan159rp0007v01202021/document/26703#c-section-i-e"},{"clause":"Section I(f)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/zuno-general-insurance/contractors-all-risks-insurance-policy-irdan159rp0007v01202021/document/26703#c-section-i-f"},{"clause":"Section I(h)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/zuno-general-insurance/contractors-all-risks-insurance-policy-irdan159rp0007v01202021/document/26703#c-section-i-h"},{"clause":"Section I(i)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/zuno-general-insurance/contractors-all-risks-insurance-policy-irdan159rp0007v01202021/document/26703#c-section-i-i"}],"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":"A grievance sent in writing to the company at its touchpoints is to be addressed within 14 days. The escalation route before IRDAI or Ombudsman is Step 1 call 1800 12000 or email support@edelweissinsurance.com, Step 2 Grievance Cell, and Step 3 the Company’s Grievance Redressal Officer.","display":"Company touchpoints first; Step 1 call 1800 12000 or support@edelweissinsurance.com, then Grievance Cell, then Grievance Redressal Officer; response within 14 days.","note":null,"quote":"Any Grievance of the Complainant sent in a written communication to the Company at any of the touch points as mentioned, shall be addressed within 14 days of the receipt of the complaint. ... Step 1 Call: 1800 12000 Email: support@edelweissinsurance.com ... Step 2 If the response is not as per Complainant’s expectations he/she may contact the Grievance Cell at the below touchpoints: ... Step 3 If the response is not as per Complainant’s expectations he/she may contact the Company’s Grievance Redressal Officer at:","sources":[{"clause":"3(b)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/zuno-general-insurance/contractors-all-risks-insurance-policy-irdan159rp0007v01202021/document/26703#c-3-b-10"}],"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":["property be lost, damaged or destroyed by any cause, other than those specifically excluded","cost of clearance and removal of debris","Earthquake - Fire & Shock","Landslide/Rockslide/Subsidence","Flood/Inundation","Storm/Tempest/Hurricane/Typhoon/Cyclone/Lightning or other atmospheric disturbances","Collapse","Water damage for ‘wet’ risks","legal liability for accidental loss or damage caused to property of other persons","legal liability (liability under contract excepted) for fatal or non-fatal injury"],"display":"All-risks material damage to insured property except exclusions, debris removal, listed major/AOG perils, and Section II third-party liability for property damage and fatal or non-fatal injury.","note":null,"quote":"the property (except packing materials of any kind) or any part thereof described in the said Schedule be lost, damaged or destroyed by any cause, other than those specifically excluded hereunder ... The Company will also reimburse the Insured for the cost of clearance and removal of debris ... a) Earthquake - Fire & Shock ... b) Landslide/Rockslide/Subsidence ... c) Flood/Inundation ... d) Storm/Tempest/Hurricane/Typhoon/Cyclone/Lightning or other atmospheric disturbances. ... e) Collapse ... f) Water damage for ‘wet’ risks i.e. contract involving works in rivers, canals, lakes or sea. ... a) legal liability for accidental loss or damage caused to property of other persons including property held in trust by or under custody of the Insured for which he is responsible ... b) legal liability (liability under contract excepted) for fatal or non-fatal injury to any persons","sources":[{"clause":"Section I","heading":"MATERIAL DAMAGE","page":4,"url":"https://indiainsurances.com/policy/zuno-general-insurance/contractors-all-risks-insurance-policy-irdan159rp0007v01202021/document/26703#c-section-i"},{"clause":"Section I(a)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/zuno-general-insurance/contractors-all-risks-insurance-policy-irdan159rp0007v01202021/document/26703#c-section-i-a-3"},{"clause":"Section I(b)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/zuno-general-insurance/contractors-all-risks-insurance-policy-irdan159rp0007v01202021/document/26703#c-section-i-b-3"},{"clause":"Section I(c)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/zuno-general-insurance/contractors-all-risks-insurance-policy-irdan159rp0007v01202021/document/26703#c-section-i-c-2"},{"clause":"Section I(d)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/zuno-general-insurance/contractors-all-risks-insurance-policy-irdan159rp0007v01202021/document/26703#c-section-i-d-2"},{"clause":"Section I(e)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/zuno-general-insurance/contractors-all-risks-insurance-policy-irdan159rp0007v01202021/document/26703#c-section-i-e-2"},{"clause":"Section I(f)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/zuno-general-insurance/contractors-all-risks-insurance-policy-irdan159rp0007v01202021/document/26703#c-section-i-f-2"},{"clause":"Section II(a)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/zuno-general-insurance/contractors-all-risks-insurance-policy-irdan159rp0007v01202021/document/26703#c-section-ii-a"},{"clause":"Section II(b)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/zuno-general-insurance/contractors-all-risks-insurance-policy-irdan159rp0007v01202021/document/26703#c-section-ii-b"}],"law":[]},{"key":"deductible","label":"Deductible or excess","section":"Limits and co-pay","meaning":"Amount of each claim you bear.","status":"not-applicable","value":null,"display":null,"note":"This is a Contractor’s All Risks engineering policy, not a motor policy with a voluntary deductible for lower motor premium.","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":"If the insured requests termination, the insurer will refund an appropriate premium amount subject to three conditions: claims experience as on cancellation is less than 60% of reworked premium, the unexpired period is not less than 3 months or 25% of the policy period whichever is less, and the testing period has not commenced.","display":"Appropriate premium refund if claims experience is less than 60% of reworked premium, unexpired period is at least 3 months or 25% of the policy period whichever is less, and testing has not commenced.","note":null,"quote":"This insurance may be terminated at the request of the Insured at any time in which case the Insurers will refund appropriate premium amount subject to the following conditions-\ni) Claims experience under the policy as on date of cancellation should be less than 60 % of reworked premium.\nii) ‘The unexpired period is not less than 3 months or 25 % of the policy period whichever is less’.\niii) Testing period should not have commenced.","sources":[{"clause":"10","heading":"This insurance may be terminated at the request of the","page":3,"url":"https://indiainsurances.com/policy/zuno-general-insurance/contractors-all-risks-insurance-policy-irdan159rp0007v01202021/document/26703#c-10"}],"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 refers to the site specified in the schedule, but does not state a geographic territory such as India only or worldwide.","quote":null,"sources":[],"law":[]},{"key":"equipment_covered","label":"Equipment or project covered","section":"Cover","meaning":"What is insured.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":"The sum insured stated in the schedule must not be less than the completely erected value of the property, inclusive of freights, custom duty and erection cost. If the sum insured is less than the amount required to be insured, the recoverable amount is reduced proportionately.","display":"Completely erected value of the property, inclusive of freights, custom duty and erection cost.","note":"This is the Contractor’s All Risks sum insured basis, not motor IDV.","quote":"Memo 1 - SUM INSURED – It is a requirement of this Insurance that the sum of insurance stated in the schedule shall not be less than the completely erected value of the property inclusive of freights, custom duty, erection cost ... If in the event of the occurrence of a loss, or damage it is found that the Sum insured representing the completely erected value of the property and/or of particular item involved is less than the amount required to be insured, then the amount recoverable by the insured under this policy shall be reduced in such proportion as the Sum Insured bears to amount required to be insured.","sources":[{"clause":"Section I(i)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/zuno-general-insurance/contractors-all-risks-insurance-policy-irdan159rp0007v01202021/document/26703#c-section-i-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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]}],"documents":[{"kind":"wording","label":"Contractor’s All Risks Insurance Policy (IRDAI copy)","pages":18,"fetched_at":"2026-10-20 01:34:00+00","source_url":"https://irdai.gov.in/documents/37343/993134/IRDAN159RP0007V01202021_GEN3905.pdf/6a8bf765-ac73-78c0-30f7-b4f3cc1d987f?version=1.1&t=1668329215114&download=true","url":"https://indiainsurances.com/policy/zuno-general-insurance/contractors-all-risks-insurance-policy-irdan159rp0007v01202021/document/26703"}],"versions":[{"uin":"GEN3905","version":null,"approved_on":null},{"uin":"IRDAN159RP0007V01202021","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Zuno General Insurance official website","url":"https://www.hizuno.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":"Health claims","url":"https://www.hizuno.com/health-insurance/health-claim","note":null},{"purpose":"claim","kind":"insurer","name":"Motor claims","url":"https://www.hizuno.com/claims-motor","note":null},{"purpose":"claim","kind":"insurer","name":"Other claims","url":"https://www.hizuno.com/other-claims","note":null},{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"renew","kind":"insurer","name":"Health renewal","url":"https://www.hizuno.com/renewals/health-renewal","note":null},{"purpose":"renew","kind":"insurer","name":"Motor renewal","url":"https://www.hizuno.com/renewals/motor-renewal","note":null}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"Contractor’s All Risks Insurance Policy (UIN IRDAN159RP0007V01202021), IndiaInsurances, https://indiainsurances.com/policy/zuno-general-insurance/contractors-all-risks-insurance-policy-irdan159rp0007v01202021"}