{"uin":"IRDAN190P0132V01100001","name":"Portable Equipment Insurance","url":"https://indiainsurances.com/policy/new-india-assurance/portable-equipment-insurance-irdan190p0132v01100001","insurer":{"slug":"new-india-assurance","name":"The New India Assurance Company Limited","url":"https://indiainsurances.com/insurer/new-india-assurance"},"line":"general","category":"other-general","category_name":"Other general insurance","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Portable Equipment Insurance indemnifies accidental loss or damage to property mentioned in the schedule while in the insured's custody against selected perils such as fire and special perils, earthquake, burglary or housebreaking, theft, accidental external damage, electrical and mechanical breakdown, and accompanied-baggage transit. Claims must be notified immediately and the insurer must receive notice and a completed claim form within seven days of the occurrence.","analysis":{"state":"machine","analysed_at":"2026-10-20 05:38:13.734359+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 printed in the provided wording or CIS.","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 as stated in the schedule and any renewal or extension, but no fixed policy duration is printed.","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 immediately notify the Company by telephone or telegram as well as in writing, and the Company must receive notice and a completed claim form within seven days of the occurrence.","display":"Immediately by telephone or telegram and in writing; notice and completed claim form within seven days of the occurrence.","note":null,"quote":"a) immediately notify the Company by telephone or telegram as well as in writing, giving an indication as to the nature and extent of loss or damage; ... The company shall not be liable for any loss or damage of which no notice and completed claim form have been received by the Company within seven days of the occurrence.","sources":[{"clause":"9(a)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/new-india-assurance/portable-equipment-insurance-irdan190p0132v01100001/document/13530#c-9-a-2"},{"clause":"9(e)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/new-india-assurance/portable-equipment-insurance-irdan190p0132v01100001/document/13530#c-9-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","completed claim form","necessary bills and documents"],"display":"All such information and documentary evidence as the Company may require; completed claim form; necessary bills and documents.","note":null,"quote":"d) furnish all such information and documentary evidence as the Company may require. ... The company shall not be liable for any loss or damage of which no notice and completed claim form have been received by the Company within seven days of the occurrence. ... The Company will make payments only after being satisfied, by production of the necessary bills and documents, that the repairs have been effected or replacements have taken place, as the case may be.","sources":[{"clause":"9(d)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/new-india-assurance/portable-equipment-insurance-irdan190p0132v01100001/document/13530#c-9-d"},{"clause":"9(e)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/new-india-assurance/portable-equipment-insurance-irdan190p0132v01100001/document/13530#c-9-e"},{"clause":"9(b)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/new-india-assurance/portable-equipment-insurance-irdan190p0132v01100001/document/13530#c-9-b"}],"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 states conditions for payment after bills and documents are produced, but gives no promised number of days for deciding or paying a claim.","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","overload , experiments or tests requiring the imposition of abnormal conditions","Gradually developing flaws, defects, cracks or partial fractures","Deterioration of or wearing away or wearing out any part of any machine","willful act or willful neglect or gross negligence","faults or defects existing at the time of commencement of this Insurance","Loss of use of the Insured property or any other consequential loss","X ray film or any electronic data storage media, data/records or similar non tangible items","articles of brittle or fragile nature, unless caused by fire or accident to the means of conveyance","delay, detention or confiscation by customs or other authorities","Terrorism & Sabotage perils","manufacturer or supplier or repairer of the property is responsible either by law or contract","Theft from an automobile except when the automobile is fully closed","articles / items of consumables in nature"],"display":"War/hostilities; nuclear; overload/tests; gradual flaws; wear and tear; willful or gross negligence; existing faults or defects; consequential loss; data media; fragile items unless fire or conveyance accident; customs delay/detention/confiscation; terrorism and sabotage; manufacturer/supplier/repairer responsibility; theft from an automobile unless closed and locked; consumables.","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, Riot, Strike, lockout and Malicious Damage. Civil Commotion, Military or usurped Power, Martial Law, conspiracy confiscation, Commandeering, A group of malicious persons or persons acting on behalf of or in connection with any political Organization. Requisition or Destruction or damage by order of any Government de jure or de facto or by any Public, Municipal or Local Authority. ... b) Nuclear reaction, Nuclear radiation or Radioactive contamination from any source whatsoever ... Accident, Loss damage and /or liability resulting from overload , experiments or tests requiring the imposition of abnormal conditions. ... Gradually developing flaws, defects, cracks or partial fractures in any part not necessitating immediate stoppage, although at some future time repair or renewal of the parts affected may be necessary. ... Deterioration of or wearing away or wearing out any part of any machine caused by or naturally resulting from normal use or exposure. ... Loss, damage and / or liability caused by or arising out of the willful act or willful neglect or gross negligence of the insured or his responsible representatives. ... Loss, damage and /or liability due to faults or defects existing at the time of commencement of this Insurance and known / unknown to the Insured or his responsible representative . ... Loss of use of the Insured property or any other consequential loss incurred by the Insured or legal liability of any kind. ... Any loss of or damage to X ray film or any electronic data storage media, data/records or similar non tangible items. ... Breakage, cracking or scratching of crockery, glass cameras, binoculars, lenses, sculptures, curios. pictures, musical instruments, sports gear and similar articles of brittle or fragile nature, unless caused by fire or accident to the means of conveyance. ... Any loss or damage arising through delay, detention or confiscation by customs or other authorities. ... Any loss or damage caused by Terrorism & Sabotage perils. ... Loss or damage for which the manufacturer or supplier or repairer of the property is responsible either by law or contract. ... Theft from an automobile except when the automobile is fully closed having at the time all doors windows and other openings securely locked and properly fastened. ... Any loss or damage to articles / items of consumables in nature.","sources":[{"clause":"1(a)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/new-india-assurance/portable-equipment-insurance-irdan190p0132v01100001/document/13530#c-1-a"},{"clause":"1(b)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/new-india-assurance/portable-equipment-insurance-irdan190p0132v01100001/document/13530#c-1-b"},{"clause":"2","heading":null,"page":2,"url":"https://indiainsurances.com/policy/new-india-assurance/portable-equipment-insurance-irdan190p0132v01100001/document/13530#c-2"},{"clause":"3","heading":null,"page":2,"url":"https://indiainsurances.com/policy/new-india-assurance/portable-equipment-insurance-irdan190p0132v01100001/document/13530#c-3"},{"clause":"4","heading":null,"page":2,"url":"https://indiainsurances.com/policy/new-india-assurance/portable-equipment-insurance-irdan190p0132v01100001/document/13530#c-4"},{"clause":"5","heading":null,"page":2,"url":"https://indiainsurances.com/policy/new-india-assurance/portable-equipment-insurance-irdan190p0132v01100001/document/13530#c-5"},{"clause":"7","heading":null,"page":2,"url":"https://indiainsurances.com/policy/new-india-assurance/portable-equipment-insurance-irdan190p0132v01100001/document/13530#c-7"},{"clause":"8","heading":null,"page":2,"url":"https://indiainsurances.com/policy/new-india-assurance/portable-equipment-insurance-irdan190p0132v01100001/document/13530#c-8"},{"clause":"9","heading":null,"page":2,"url":"https://indiainsurances.com/policy/new-india-assurance/portable-equipment-insurance-irdan190p0132v01100001/document/13530#c-9"},{"clause":null,"heading":"SPECIAL EXCLUSIONS","page":3,"url":"https://indiainsurances.com/policy/new-india-assurance/portable-equipment-insurance-irdan190p0132v01100001/document/13530#c-special-exclusions"}],"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 contact the company through the grievance website, toll-free 1800-209-1415 or the servicing branch mentioned in the policy document; if still not satisfied, approach the Insurance Ombudsman.","display":"Company through grievance website, toll-free 1800-209-1415 or the servicing branch; then Insurance Ombudsman if still not satisfied.","note":null,"quote":"ln case of any grievance the insured person may contact the company through Website: https://www.newindia.co.in/portal/readMore/Grievances Toll free: 1800-209-1415 Visit the Servicing Branch mentioned in the policy Document Insurance Ombudsman If You are still not satisfied with the redressal of grievance through above methods, you may also approach the office of Insurance Ombudsman of the respective area/region for redressal of grievance as per Insurance Ombudsman Rules 2017.","sources":[{"clause":null,"heading":"Special Exclusions","page":3,"url":"https://indiainsurances.com/policy/new-india-assurance/portable-equipment-insurance-irdan190p0132v01100001/document/13535#c-special-exclusions"}],"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, Lightening, Explosion / Implosion, Aircraft damage, Riot, Strike, Malicious damage, Storm, Cyclone , Typhoon, Tempest, Hurricane, Tornado, Flood, & Inundation, Impact damages, Subsidence & Landslide including rock slide damage, Bursting and/or Overflowing of Water Tanks, Apparatus & Pipes, Missile Testing Operations, Leakage from Automatic Sprinklers Installations, Bush fire","Earthquake (Fire & Shock)","Burglary/house breaking i.e. Theft following actual violent forcible entry or exit into/from the premises and hold-up","Theft","Accidental external damage to the property described in the schedule","Electrical & Mechanical Break-down","the above perils whilst the property is in transit","Any other peril/s to be specified with necessary authentication"],"display":"Fire and special perils; Earthquake (Fire & Shock); burglary/house breaking; theft; accidental external damage; Electrical & Mechanical Break-down; transit as personally accompanied baggage; any other authenticated peril.","note":"Cover is for perils ticked as applicable. Transit cover is within the territorial or municipal limits filled in the policy and only as personally accompanied baggage.","quote":"the company will indemnify the insured against accidental loss or damage to the property mentioned in the schedule, whilst in the custody of the insured by (Ticked as applicable), ... a) Fire, Lightening, Explosion / Implosion, Aircraft damage, Riot, Strike, Malicious damage, Storm, Cyclone , Typhoon, Tempest, Hurricane, Tornado, Flood, & Inundation, Impact damages, Subsidence & Landslide including rock slide damage, Bursting and/or Overflowing of Water Tanks, Apparatus & Pipes, Missile Testing Operations, Leakage from Automatic Sprinklers Installations, Bush fire ( as per STANDARD FIRE ANDSPECIAL PERILS POLICY clause ). ... b) Earthquake (Fire & Shock) ... c) Burglary/house breaking i.e. Theft following actual violent forcible entry or exit into/from the premises and hold-up. ... d) Theft ... e) Accidental external damage to the property described in the schedule hereto belonging to the insured except whilst the property is on road or at work or being worked on in the custody of insured's contractors / sub contractors/carriers. ... f) Electrical & Mechanical Break-down ... g)Cover also extends for the above perils whilst the property is in transit within the territorial / Municipal limits of *____________(district / state / country) as personally accompanied baggage, accompanied by insured or his authorized employees. ... h) (Any other peril/s to be specified with necessary authentication.)","sources":[{"clause":null,"heading":"PORTABLE EQUIPMENTS INSURANCE POLICY","page":1,"url":"https://indiainsurances.com/policy/new-india-assurance/portable-equipment-insurance-irdan190p0132v01100001/document/13530#c-portable-equipments-insurance-policy"}],"law":[]},{"key":"deductible","label":"Deductible or excess","section":"Limits and co-pay","meaning":"Amount of each claim you bear.","status":"quote-verified","value":"Upto 2 yrs Age of Equipment: 1% of S.I subject to minimum Excess Rs. 500; over 2 yrs up to 5 yrs: 1.5% of S.I subject to minimum Excess Rs. 750; over 5 yrs: 2% of S.I subject to minimum Excess Rs.1000; for theft, 25% of the claim amount.","display":"Upto 2 yrs: 1% of S.I minimum Rs. 500; over 2 yrs up to 5 yrs: 1.5% of S.I minimum Rs. 750; over 5 yrs: 2% of S.I minimum Rs.1000; theft: 25% of claim amount.","note":"The policy wording refers to the excess stated in the Schedule; the percentage and minimum amounts are from the CIS loss participation table.","quote":"The Excess, as stated in the Schedule, to be first borne by the insured out of each and every claim; where more than one item is damaged in one and same occurrence, the insured shall not, however, be called upon to bear more than the highest Excess applicable to any one such item; ... 8 | Loss Participation | Upto 2 yrs Age of Equipment – 1% of S.I sub. To Minimum Excess Rs. 500 Over 2 yrs up to 5 yrs Age of Equipment – 1.5 % of S.I sub. To Minimum Excess Rs. 750 Over 5 yrs Age of Equipment – 2 % of S.I sub. To Minimum Excess Rs.1000 For Theft, the Excess would be 25% of the claim amount.","sources":[{"clause":null,"heading":"SPECIAL EXCLUSIONS","page":3,"url":"https://indiainsurances.com/policy/new-india-assurance/portable-equipment-insurance-irdan190p0132v01100001/document/13530#c-special-exclusions"},{"clause":null,"heading":"Portable Equipment Policy","page":2,"url":"https://indiainsurances.com/policy/new-india-assurance/portable-equipment-insurance-irdan190p0132v01100001/document/13535#c-portable-equipment-policy-2"}],"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 insurance, the Company will retain premium calculated at the customary short period rate for the time the policy has been in force.","display":"Company retains premium at the 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 calculated at the customary short period rate for the time the policy has been in force.","sources":[{"clause":"9(b)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/new-india-assurance/portable-equipment-insurance-irdan190p0132v01100001/document/13530#c-9-b-3"}],"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 transit extension contains a blank for the territorial or municipal limits of district, state or country; the actual geographic area of cover is not printed in the provided documents.","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 covers accidental loss or damage to the property mentioned in the schedule while in the custody of the insured.","display":"Accidental loss or damage to the property mentioned in the schedule, while in the custody of the insured.","note":null,"quote":"the company will indemnify the insured against accidental loss or damage to the property mentioned in the schedule, whilst in the custody of the insured by (Ticked as applicable),","sources":[{"clause":null,"heading":"PORTABLE EQUIPMENTS INSURANCE POLICY","page":1,"url":"https://indiainsurances.com/policy/new-india-assurance/portable-equipment-insurance-irdan190p0132v01100001/document/13530#c-portable-equipments-insurance-policy"}],"law":[]}],"documents":[{"kind":"wording","label":"Policy clause","pages":7,"fetched_at":"2026-10-17 19:54:22+00","source_url":"https://www.newindia.co.in/assets/docs/know-more/miscellaneous/plate-glass-insurance/Portable%20Equipment%20Policy%20clause.pdf","url":"https://indiainsurances.com/policy/new-india-assurance/portable-equipment-insurance-irdan190p0132v01100001/document/13530"},{"kind":"cis","label":"Customer Information Sheet","pages":7,"fetched_at":"2026-10-17 19:54:40+00","source_url":"https://www.newindia.co.in/assets/docs/know-more/miscellaneous/plate-glass-insurance/Portable%20Equipment%20Policy%20CIS%20.pdf","url":"https://indiainsurances.com/policy/new-india-assurance/portable-equipment-insurance-irdan190p0132v01100001/document/13535"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"New India Assurance official website","url":"https://www.newindia.co.in/","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":"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","url":"https://www.newindia.co.in/grievance","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":"Portable Equipment Insurance (UIN IRDAN190P0132V01100001), IndiaInsurances, https://indiainsurances.com/policy/new-india-assurance/portable-equipment-insurance-irdan190p0132v01100001"}