{"uin":"IRDAN159RP0021V01201819","name":"Standard Fire and Special Peril Policy","url":"https://indiainsurances.com/policy/zuno-general-insurance/standard-fire-and-special-peril-policy-irdan159rp0021v01201819","insurer":{"slug":"zuno-general-insurance","name":"Zuno General Insurance Ltd","url":"https://indiainsurances.com/insurer/zuno-general-insurance"},"line":"general","category":"business","category_name":"Shop and business","irdai_type":"Main product","kind":"product","status":"active","approved_on":"2021-04-01","withdrawn_on":null,"summary":"This is a Standard Fire and Special Peril Policy for property insured in the schedule against perils such as fire, lightning, explosion, aircraft damage, riot, storm, impact damage and bush fire. It excludes consequential loss such as loss of earnings and applies average if the property value is greater than the sum insured.","analysis":{"state":"machine","analysed_at":"2026-10-20 08:30:17.820018+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":"No named plan variants are listed in the wording.","quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"not-stated","value":null,"display":null,"note":"The wording refers to the period of insurance named in the schedule, but the schedule is not included.","quote":null,"sources":[],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"The insured must forthwith give notice to the company on the happening of loss or damage. Within 15 days after the loss or damage, or further time allowed in writing by the company, the insured must deliver the written claim and particulars.","display":"Forthwith notice; written claim within 15 days after the loss or damage","note":null,"quote":"On the happening of any loss or damage, the Insured shall forthwith give notice thereof to the Company and shall, within 15 days after the loss or damage or such further time as the Company may, in writing, allow in that behalf, deliver to the Company:","sources":[{"clause":"12(d)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/zuno-general-insurance/standard-fire-and-special-peril-policy-irdan159rp0021v01201819/document/18074#c-12-d"}],"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 claim in writing for the loss or damage","particulars of all other insurances, if any","further particulars","plans","specification books","vouchers","invoices","documents","investigation reports (internal/external)","proofs and information","a declaration on oath or in other legal form"],"display":"Written claim, particulars of other insurance, and further particulars, plans, specification books, vouchers, invoices, documents, investigation reports, proofs and information as required","note":null,"quote":"A claim in writing for the loss or damage containing as particular an account as may be reasonably practicable of all the several articles or items or property damaged or destroyed, and of the amount of the loss or damage thereto respectively, having regard to their value at the time of the loss or damage not including profit of any kind; ... Particulars of all other insurances, if any. The Insured shall also, at all times, at his own expense, produce, procure and give to the Company all such further particulars, plans, specification books, vouchers, invoices, duplicates or copies thereof, documents, investigation reports (internal/external), proofs and information with respect to the claim and the origin and cause of the loss and the circumstances under which the loss or damage occurred, and any matter touching the liability or the amount of the liability of the Company as may be reasonably required by or on behalf of the Company together with a declaration on oath or in other legal form of the truth of the claim and of any matters connected therewith.","sources":[{"clause":"12(a)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/zuno-general-insurance/standard-fire-and-special-peril-policy-irdan159rp0021v01201819/document/18074#c-12-a-5"},{"clause":"12(b)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/zuno-general-insurance/standard-fire-and-special-peril-policy-irdan159rp0021v01201819/document/18074#c-12-b-5"}],"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":"The wording does not state a claim decision or payment timeline for the insured.","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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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 written grievance sent to the company at its touch points is to be addressed within 14 days. The stated escalation route before the Ombudsman is Step 1 support, Step 2 the Grievance Cell, Step 3 the Company’s Grievance Redressal Officer, then IRDAI if still not satisfied or no response within 14 days.","display":"Complain to the company first; escalate to Grievance Cell and then the Grievance Redressal Officer","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.\nEscalation Matrix:\nStep 1 Call: 1800 12000 Email: support@edelweissinsurance.com\nStep 2 If the response is not as per Complainant’s expectations he/she may contact the Grievance Cell at the below touchpoints:\n• Email: grievance@edelweissinsurance.com ... Step 3 If the response is not as per Complainant’s expectations he/she may contact the Company’s Grievance Redressal Officer at:\n• Email: grievanceofficer@edelweissinsurance.com ... Step 4 If the Complainant is not still not satisfied with the response or does not receive a response from the Company within 14 days, the Complainant may approach the Grievance Cell of the IRDAI","sources":[{"clause":"31","heading":"COINSURANCE CLAUSE","page":19,"url":"https://indiainsurances.com/policy/zuno-general-insurance/standard-fire-and-special-peril-policy-irdan159rp0021v01201819/document/18074#c-31"}],"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","Lightning","Explosion/implosion","Aircraft Damage","Riot, Strike and Malicious Damage","Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Flood and Inundation","Impact Damage","Subsidence and Landslide including Rock slide","Bursting and/or overflowing of Water Tanks, Apparatus and Pipes","Missile testing operations","Leakage from Automatic Sprinkler Installations","Bush Fire"],"display":"Fire; lightning; explosion/implosion; aircraft damage; riot, strike and malicious damage; storm, cyclone, typhoon, tempest, hurricane, tornado, flood and inundation; impact damage; subsidence and landslide including rock slide; bursting/overflowing water tanks, apparatus and pipes; missile testing; leakage from automatic sprinklers; bush fire","note":null,"quote":"1 Fire ... Lightning ... 3 Explosion/implosion ... 4 Aircraft Damage ... 5 Riot, Strike and Malicious Damage ... Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Flood and Inundation: ... 7 Impact Damage ... 8 Subsidence and Landslide including Rock slide ... 9 Bursting and/or overflowing of Water Tanks, Apparatus ... and Pipes. ... Missile testing operations. ... 11 Leakage from Automatic Sprinkler Installations ... 12 Bush Fire","sources":[{"clause":"1","heading":"Fire","page":2,"url":"https://indiainsurances.com/policy/zuno-general-insurance/standard-fire-and-special-peril-policy-irdan159rp0021v01201819/document/18074#c-1"},{"clause":"2","heading":"Lightning","page":2,"url":"https://indiainsurances.com/policy/zuno-general-insurance/standard-fire-and-special-peril-policy-irdan159rp0021v01201819/document/18074#c-2"},{"clause":"3","heading":"Explosion/implosion","page":2,"url":"https://indiainsurances.com/policy/zuno-general-insurance/standard-fire-and-special-peril-policy-irdan159rp0021v01201819/document/18074#c-3"},{"clause":"4","heading":"Aircraft Damage","page":2,"url":"https://indiainsurances.com/policy/zuno-general-insurance/standard-fire-and-special-peril-policy-irdan159rp0021v01201819/document/18074#c-4"},{"clause":"5","heading":"Riot, Strike and Malicious Damage","page":2,"url":"https://indiainsurances.com/policy/zuno-general-insurance/standard-fire-and-special-peril-policy-irdan159rp0021v01201819/document/18074#c-5"},{"clause":"6","heading":null,"page":2,"url":"https://indiainsurances.com/policy/zuno-general-insurance/standard-fire-and-special-peril-policy-irdan159rp0021v01201819/document/18074#c-6"},{"clause":"7","heading":"Impact Damage","page":2,"url":"https://indiainsurances.com/policy/zuno-general-insurance/standard-fire-and-special-peril-policy-irdan159rp0021v01201819/document/18074#c-7"},{"clause":"8","heading":"Subsidence and Landslide including Rock slide","page":2,"url":"https://indiainsurances.com/policy/zuno-general-insurance/standard-fire-and-special-peril-policy-irdan159rp0021v01201819/document/18074#c-8"},{"clause":"9","heading":"Bursting and/or overflowing of Water Tanks, Apparatus","page":3,"url":"https://indiainsurances.com/policy/zuno-general-insurance/standard-fire-and-special-peril-policy-irdan159rp0021v01201819/document/18074#c-9"},{"clause":"10","heading":null,"page":3,"url":"https://indiainsurances.com/policy/zuno-general-insurance/standard-fire-and-special-peril-policy-irdan159rp0021v01201819/document/18074#c-10"},{"clause":"11","heading":"Leakage from Automatic Sprinkler Installations","page":3,"url":"https://indiainsurances.com/policy/zuno-general-insurance/standard-fire-and-special-peril-policy-irdan159rp0021v01201819/document/18074#c-11"},{"clause":"12","heading":"Bush Fire","page":3,"url":"https://indiainsurances.com/policy/zuno-general-insurance/standard-fire-and-special-peril-policy-irdan159rp0021v01201819/document/18074#c-12"}],"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 excess is as mentioned in the policy schedule and applies per event per insured, but the schedule amount 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":"If the insured terminates the policy, the company retains premium at the customary short period rate for the time the policy has been in force. The wording includes a short-period scale, but the table is intermingled with other text in the extracted clause.","display":"Company retains premium at customary short period rate for the time the policy has been in force","note":null,"quote":"This Insurance may be terminated at any time at the request of the Insured, in which case the company will retain the premium at customary short period rate for the time policy has been in force.","sources":[{"clause":"12(c)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/zuno-general-insurance/standard-fire-and-special-peril-policy-irdan159rp0021v01201819/document/18074#c-12-c-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 does not state a geographic territory of cover.","quote":null,"sources":[],"law":[]},{"key":"property_covered","label":"Property covered","section":"Cover","meaning":"Building, stock, plant, machinery, contents.","status":"not-stated","value":null,"display":null,"note":"The base wording refers to the property insured described in the schedule, but the schedule is not included.","quote":null,"sources":[],"law":[]},{"key":"business_interruption","label":"Business interruption","section":"Cover","meaning":"Loss of profit while the business cannot run.","status":"quote-verified","value":"The base policy does not cover loss of earnings, loss by delay, loss of market or other consequential or indirect loss or damage. A separate add-on for start-up expenses is printed, but it is an extension and not the base business interruption cover.","display":"Not covered: loss of earnings, delay, market or other consequential or indirect loss","note":null,"quote":"Loss of earnings, loss by delay, loss of market or other consequential or indirect loss or damage of any kind or description whatsoever.","sources":[{"clause":"12(b)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/zuno-general-insurance/standard-fire-and-special-peril-policy-irdan159rp0021v01201819/document/18074#c-12-b-2"}],"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 base wording says the company pays the value of the property at the time of destruction or the amount of damage, or may reinstate or replace it. A reinstatement value basis is available only where the Reinstatement Value Policies memorandum is incorporated.","display":"Base: value of property at the time of loss or amount of damage; optional reinstatement value clause","note":"Reinstatement value applies only if that clause is incorporated for the relevant policy items.","quote":"the Company shall pay to the Insured the value of the Property at the time of the happening of its destruction or the amount of such damage or at its option reinstate or replace such property or any part thereof. ... REINSTATEMENT VALUE POLICIES It is hereby declared and agreed that in the event of the property insured under (Item Nos......of .........) within the policy being destroyed or damaged, the basis upon which the amount payable under (each of the said items of) the policy is to be calculated shall be cost of replacing or reinstating","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/zuno-general-insurance/standard-fire-and-special-peril-policy-irdan159rp0021v01201819/document/18074#c-s1"},{"clause":null,"heading":"ADD-ON / CLAUSE / ENDORSEMENT WORDING UNDER STANDARD","page":8,"url":"https://indiainsurances.com/policy/zuno-general-insurance/standard-fire-and-special-peril-policy-irdan159rp0021v01201819/document/18074#c-add-on-clause-endorsement-wording-under-standard"}],"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":"If the insured property is collectively of greater value than the sum insured at the time of fire or other insured damage, the insured is treated as own insurer for the difference and bears a rateable proportion of the loss. Each item is separately subject to this condition.","display":"Average applies: if property value exceeds sum insured, claim is reduced rateably","note":null,"quote":"If the property hereby insured shall at the breaking out of any fire or at the commencement of any destruction of or damage to the property by any other peril hereby insured against be collectively of greater value than the sum insured thereon, then the Insured shall be considered as being his own insurer for the difference and shall bear a rateable proportion of the loss accordingly. Every item, if more than one, of the policy shall be separately subject to this condition.","sources":[{"clause":"12(b)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/zuno-general-insurance/standard-fire-and-special-peril-policy-irdan159rp0021v01201819/document/18074#c-12-b-5"}],"law":[]}],"documents":[{"kind":"wording","label":"Standard Fire and Special Peril Policy","pages":23,"fetched_at":"2026-10-17 20:08:09+00","source_url":"https://cms.hizuno.com/uploads/Standard_Fire_and_Special_Peril_Policy_IRDAN_159_RP_0021_V01201819_Policy_Wording_4bed6e9fea.pdf?updated_at=2025-11-13T10:07:41.704Z","url":"https://indiainsurances.com/policy/zuno-general-insurance/standard-fire-and-special-peril-policy-irdan159rp0021v01201819/document/18074"},{"kind":"wording","label":"Standard Fire and Special Peril Policy (IRDAI copy)","pages":10,"fetched_at":"2026-10-20 01:18:22+00","source_url":"https://irdai.gov.in/documents/37343/993134/IRDAN159CP0003V01201819_GEN2319.pdf/623f9641-98bb-390e-7a0f-3e2d29642d71?version=1.1&t=1668244497687&download=true","url":"https://indiainsurances.com/policy/zuno-general-insurance/standard-fire-and-special-peril-policy-irdan159rp0021v01201819/document/26277"}],"versions":[{"uin":"IRDAN159CP0003V01201819","version":null,"approved_on":null},{"uin":"IRDAN159RP0021V01201819","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":"Standard Fire and Special Peril Policy (UIN IRDAN159RP0021V01201819), IndiaInsurances, https://indiainsurances.com/policy/zuno-general-insurance/standard-fire-and-special-peril-policy-irdan159rp0021v01201819"}