{"uin":"IRDAN190RPPR0011V01202526","name":"New India Standalone War Insurance","url":"https://indiainsurances.com/policy/new-india-assurance/new-india-standalone-war-insurance-irdan190rppr0011v01202526","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":"New India Standalone War Insurance is an indemnity-based general insurance product covering material damage and business interruption from War to real and personal property in India. It has segment-wise loss participation, and cancellation refunds differ for retail and commercial policies.","analysis":{"state":"machine","analysed_at":"2026-10-20 05:37:42.06508+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":"quote-verified","value":["BGR","BSUS","BLUS","SFSP / IAR Risk Sum Insured > Rs. 50 Cr. (PD + BI)"],"display":"BGR; BSUS; BLUS; SFSP / IAR Risk Sum Insured > Rs. 50 Cr. (PD + BI)","note":"These are shown as retail and commercial segments in the CIS rather than as named plans.","quote":"Retail Segment • BGR : Full Sum Insured subject to Maximum loss limit of Rs.500 Cr. [Any one event / Aggregate] • BSUS: Full Sum Insured [Upto Rs.5 Cr.] • BLUS: Full Sum Insured [Upto Rs.50 Cr.] Commercial Segment SFSP / IAR Risk Sum Insured > Rs. 50 Cr. (PD + BI) at one risk location.","sources":[{"clause":"Row 5","heading":"Sum Insured","page":1,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-standalone-war-insurance-irdan190rppr0011v01202526/document/13568#c-row-5"}],"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 specimen schedule leaves the period to be filled in with effective-from and to dates.","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 give written advice as soon as reasonably practicable after knowledge of an occurrence likely to give rise to a claim. The broker named in the schedule must advise the underwriters within seven (7) days of such knowledge.","display":"Written advice as soon as reasonably practicable; broker to advise underwriters within seven (7) days of knowledge.","note":null,"quote":"The Insured, upon knowledge of any occurrence likely to give rise to a claim hereunder, shall give written advice as soon as reasonably practicable to the Underwriters and or the Broker, named for that purpose in the Schedule, who is to advise the Underwriters within seven (7) days of such knowledge of any occurrence and it is a condition precedent to the liability of Underwriters that such notification is given by the Insured as provided for by this Policy.","sources":[{"clause":null,"heading":"CONDITIONS","page":4,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-standalone-war-insurance-irdan190rppr0011v01202526/document/13564#c-conditions-2"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["relevant information and evidence as may reasonably be required","signed and sworn proof of loss within sixty (60) days after the occurrence of a loss","estimate, bills, photos"],"display":"Relevant information and evidence; signed and sworn proof of loss within sixty (60) days; estimate, bills, photos.","note":"The proof of loss must state the time, place and cause of loss, the insured's and others' interest in the property, the sound value, and the amount of loss or damage.","quote":"If the Insured makes a claim under this Insurance he must give the Underwriters such relevant information and evidence as may reasonably be required and co-operate fully in the investigation or adjustment of any claim. ... The Insured shall render a signed and sworn proof of loss within sixty (60) days after the occurrence of a loss (unless such period be extended by the written agreement of Underwriters) stating the time, place and cause of loss, the interest of the Insured and all others in the property, the sound value thereof and the amount of loss or damage thereto. ... Submission of documents (estimate, bills, photos)","sources":[{"clause":null,"heading":"CONDITIONS","page":4,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-standalone-war-insurance-irdan190rppr0011v01202526/document/13564#c-conditions-2"},{"clause":"3","heading":"Submission of documents (estimate, bills, photos)","page":4,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-standalone-war-insurance-irdan190rppr0011v01202526/document/13567#c-3"}],"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 CIS and prospectus say settlement is as per loss limit and policy terms, but no time for deciding or paying a claim is stated.","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":["Loss or damage arising directly or indirectly from nuclear detonation, nuclear reaction, nuclear radiation or radioactive contamination","Loss or damage occasioned directly or indirectly by civil war, rebellion, revolution, insurrection, martial law, usurpation of power, or civil commotion assuming the proportions of or amounting to an uprising, Terrorism and Sabotage.","Loss by seizure or legal or illegal occupation unless physical loss or damage is caused directly by an Insured Event.","Loss or damage caused by confiscation, nationalisation, requisition, detention, embargo, quarantine, or any result of any order of public or government authority","Loss or damage directly or indirectly arising from or in consequence of the seepage and or discharge of pollutants or contaminants","Loss or damage arising directly or indirectly from or in consequence of chemical or biological emission, release, discharge, dispersal or escape or chemical or biological exposure of any kind.","Loss or damage by electronic means including but not limited to computer hacking or the introduction of any form of computer virus","Loss or damage caused by vandals or other persons acting maliciously or by way of protest or strikes, labour unrest, riots or civil commotion.","Any consequential loss or damage, loss of use, delay or loss of markets, loss of income, depreciation, reduction in functionality, or increased cost of working.","Loss or damage caused by or arising out of burglary, house - breaking, looting, theft or larceny.","This Policy does not cover physical loss or physical damage to: Land or land values.","Five Powers War Clause"],"display":"Nuclear risks; civil war/rebellion/terrorism/sabotage; seizure or occupation unless directly caused by an insured event; confiscation and government authority orders; pollutants; chemical or biological exposure; electronic means; malicious acts/protest/strikes/riots; consequential loss; burglary/looting/theft; excluded property such as land; Five Powers War exclusion.","note":null,"quote":"Loss or damage arising directly or indirectly from nuclear detonation, nuclear reaction, nuclear radiation or radioactive contamination; however, such nuclear detonation, nuclear reaction, nuclear radiation or radioactive contamination may have been caused. ... Loss or damage occasioned directly or indirectly by civil war, rebellion, revolution, insurrection, martial law, usurpation of power, or civil commotion assuming the proportions of or amounting to an uprising, Terrorism and Sabotage. ... Loss by seizure or legal or illegal occupation unless physical loss or damage is caused directly by an Insured Event. ... Loss or damage caused by confiscation, nationalisation, requisition, detention, embargo, quarantine, or any result of any order of public or government authority which deprives the Insured of the use or value of its property, nor for loss or damage arising from acts of contraband or illegal transportation or illegal trade. ... Loss or damage directly or indirectly arising from or in consequence of the seepage and or discharge of pollutants or contaminants, which pollutants and contaminants shall include but not be limited to any solid, liquid, gaseous or thermal irritant, contaminant or toxic or hazardous substance or any substance the presence, existence or release of which endangers or threatens to endanger the health, safety or welfare of persons or the environment. ... Loss or damage arising directly or indirectly from or in consequence of chemical or biological emission, release, discharge, dispersal or escape or chemical or biological exposure of any kind. ... Loss or damage by electronic means including but not limited to computer hacking or the introduction of any form of computer virus or corrupting or unauthorised instructions or code or the use of any electromagnetic weapon. ... Loss or damage caused by vandals or other persons acting maliciously or by way of protest or strikes, labour unrest, riots or civil commotion. ... Any consequential loss or damage, loss of use, delay or loss of markets, loss of income, depreciation, reduction in functionality, or increased cost of working. ... Loss or damage caused by or arising out of burglary, house - breaking, looting, theft or larceny. ... This Policy does not cover physical loss or physical damage to:\n1. Land or land values. ... Where any war risks coverage is provided by underwriters, this policy excludes loss damage liability or expense arising from the outbreak of war (whether there be a declaration of war or not) between any of the following:\nUnited Kingdom, United States of America, France, the Russian Federation, the People's Republic of China.","sources":[{"clause":"1","heading":null,"page":3,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-standalone-war-insurance-irdan190rppr0011v01202526/document/13564#c-1"},{"clause":"2","heading":null,"page":3,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-standalone-war-insurance-irdan190rppr0011v01202526/document/13564#c-2"},{"clause":"3","heading":null,"page":3,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-standalone-war-insurance-irdan190rppr0011v01202526/document/13564#c-3"},{"clause":"4","heading":null,"page":3,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-standalone-war-insurance-irdan190rppr0011v01202526/document/13564#c-4"},{"clause":"5","heading":null,"page":3,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-standalone-war-insurance-irdan190rppr0011v01202526/document/13564#c-5"},{"clause":"6","heading":null,"page":3,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-standalone-war-insurance-irdan190rppr0011v01202526/document/13564#c-6"},{"clause":"9","heading":"Loss or damage by electronic","page":3,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-standalone-war-insurance-irdan190rppr0011v01202526/document/13564#c-9"},{"clause":"10","heading":null,"page":3,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-standalone-war-insurance-irdan190rppr0011v01202526/document/13564#c-10"},{"clause":"13","heading":null,"page":4,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-standalone-war-insurance-irdan190rppr0011v01202526/document/13564#c-13"},{"clause":"16","heading":"Loss or damage caused by or arising out of burglary, house","page":4,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-standalone-war-insurance-irdan190rppr0011v01202526/document/13564#c-16"},{"clause":null,"heading":"PROPERTY EXCLUDED","page":4,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-standalone-war-insurance-irdan190rppr0011v01202526/document/13564#c-property-excluded"},{"clause":null,"heading":"FIVE POWERS WAR CLAUSE","page":16,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-standalone-war-insurance-irdan190rppr0011v01202526/document/13564#c-five-powers-war-clause"}],"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 visit the servicing branch mentioned in the policy document or contact the insurer through its grievance website, toll-free number, post or email. The same clause also mentions Bima Bharosa and the Ombudsman route.","display":"First visit the Servicing Branch mentioned in the policy Document; grievance website, toll free 1800-209-1415, post or email are also listed.","note":null,"quote":"Our Grievance redressal Office:\n• Visit the Servicing Branch mentioned in the policy Document\n• Website: https://www.newindia.co.in/portal/readMore/Griveances\n• Toll free: 1800-209-1415 or on company\n• website www.newindia.co.in\n• Bima Bharosa https://bimabharosa.irdai.gov.in/\n• Ombudsman - Website Link : https://www.cioins.co.in/\n• You can send Your grievance in writing by post or email\n• The New India Assurance Co. Ltd., Head Office, 87 M.G.Road, Fort, Mumbai - 400 001, E-mail : customercare.ho@newindia.co.in customer.relation@newindia.co.in ; Web: www.newindia.co.in","sources":[{"clause":null,"heading":"WHY NEW INDIA?","page":4,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-standalone-war-insurance-irdan190rppr0011v01202526/document/13567#c-why-new-india"}],"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":["Act of War"],"display":"Act of War; War means a contest by force between two or more sovereign nations, armed conflict of sovereign powers, or declared or undeclared open hostilities between sovereign nations.","note":"Insurrection, Revolution and Rebellion; Mutiny and Military/Usurped Power; and War and / or Civil War are extensions available at an additional premium, not the base peril.","quote":"Subject to the exclusions, limits and conditions hereinafter contained, this Insurance insures property as stated in the Schedule attaching to and forming part of this Policy (hereinafter referred to as the “Schedule”) against physical loss or physical damage occurring during the period of this Policy caused by an Act of War, as herein defined.\nFor the purpose of this Insurance, \"War\" shall mean a contest by force between two or more sovereign nations, carried on for any purpose, armed conflict of sovereign powers and/or declared or undeclared and open hostilities between sovereign nations. ... The policy can be extended at an additional premium to cover the Perils of • Insurrection, Revolution and Rebellion • Mutiny and Military/Usurped Power • War and / or Civil War","sources":[{"clause":null,"heading":"INSURING CLAUSE","page":3,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-standalone-war-insurance-irdan190rppr0011v01202526/document/13564#c-insuring-clause"},{"clause":"Row 6","heading":"Policy Coverage","page":2,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-standalone-war-insurance-irdan190rppr0011v01202526/document/13568#c-row-6"}],"law":[]},{"key":"deductible","label":"Deductible or excess","section":"Limits and co-pay","meaning":"Amount of each claim you bear.","status":"quote-verified","value":"Property Damage loss participation is nil for BGR; for BSU/BLU it is 5% of the claim amount subject to a minimum of Rs. 2 lacs; and for SFSP/IAR it is 5% of the claim amount subject to a minimum of Rs. 5 lacs. Business Interruption excess is 14 days of standard gross profit for each occurrence, per event per insured.","display":"Property Damage: BGR – Nil; BSU/BLU – 5% of claim amount subject to minimum Rs. 2 lacs; SFSP/IAR – 5% of claim amount subject to minimum Rs. 5 lacs. Business Interruption: 14 days of standard gross profit for each occurrence.","note":"The policy wording schedule uses placeholders for deductibles; the CIS gives the segment-wise figures.","quote":"A] Property Damage 1. BGR – Nil 2. BSU/BLU – 5% of the claim amount subject to minimum of Rs. 2 lacs 3. SFSP/IAR - 5% of the claim amount subject to minimum of Rs. 5 lacs B] Business Interruption 14 days of standard gross profit for each occurrence. The Excess shall apply per event per insured.","sources":[{"clause":"Row 8","heading":"Loss Participation","page":2,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-standalone-war-insurance-irdan190rppr0011v01202526/document/13568#c-row-8"}],"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":"A retail policyholder may cancel at any time without giving reasons; for terms up to one year, the insurer refunds proportionate premium for the unexpired period if no claim was made, and for terms over one year it refunds premium for uncommenced policy years. A commercial policyholder may cancel and receives refund of premium for the unexpired period on the short-period scale, provided there is no claim.","display":"Retail: proportionate premium for unexpired period if term is up to one year and no claim; for term over one year, premium for uncommenced policy years. Commercial: unexpired premium on short-period scale if no claim.","note":"Commercial short-period retention scale: Not Exceeding 15 days 10%; Not Exceeding 1 month 15%; Not Exceeding 2 month 30%; Not Exceeding 3 month 40%; Not Exceeding 4 month 50%; Not Exceeding 5 month 60%; Not Exceeding 6 month 70%; Not Exceeding 7 month 75%; Not Exceeding 8 month 80%; Not Exceeding 9 month 85%; Exceeding 9 month Full Annual Premium.","quote":"The retail policyholder can cancel the policy at any time during the term, by informing the insurer. In case the Policyholder cancels the policy, he/ she is not required to give reasons for cancellation. ... Refund proportionate premium for unexpired policy period, if the term of the policy is upto one year and there is no claim made during the policy period ... Refund premium for the unexpired policy period, in respect of policy with the term more than one year and the risk coverage for such policy years has not commenced. ... A] The commercial policyholder can cancel the policy, we will refund premium for unexpired policy period provided there is no claim(s) under the Policy as follows:\nShort Period Scale:\nPolicy Period | Retention % of Annual Premium\nNot Exceeding 15 days | 10%\nNot Exceeding 1 month | 15%\nNot Exceeding 2 month | 30%\nNot Exceeding 3 month | 40%\nNot Exceeding 4 month | 50%\nNot Exceeding 5 month | 60%\nNot Exceeding 6 month | 70%\nNot Exceeding 7 month | 75%\nNot Exceeding 8 month | 80%\nNot Exceeding 9 month | 85%\nExceeding 9 month | Full Annual Premium","sources":[{"clause":"18(a)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-standalone-war-insurance-irdan190rppr0011v01202526/document/13564#c-18-a"},{"clause":"18(b)(i)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-standalone-war-insurance-irdan190rppr0011v01202526/document/13564#c-18-b-i"},{"clause":"18(b)(ii)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-standalone-war-insurance-irdan190rppr0011v01202526/document/13564#c-18-b-ii"}],"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":"quote-verified","value":"India.","display":"India","note":"The wording states India and also refers to the information schedule.","quote":"India, as per information schedule.","sources":[{"clause":null,"heading":"Material Damage","page":1,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-standalone-war-insurance-irdan190rppr0011v01202526/document/13564#c-material-damage"}],"law":[]},{"key":"subject_covered","label":"What is insured","section":"Cover","meaning":"The thing or risk this policy covers.","status":"quote-verified","value":"The policy indemnifies the insured for losses arising from War to real and personal property of the insured, including buildings, contents, equipment, machinery stock, third party property in the insured's care, custody and control, property acquired during the period of insurance, and business interruption.","display":"Real and personal property of the insured, including buildings, contents, equipment, machinery stock, third party property in the insured's care, custody and control, property acquired during the policy period, and business interruption.","note":null,"quote":"To indemnify the insured for losses arising from War to Real and Personal Property of the Insured including but not limited to Buildings, Contents, Equipment, Machinery Stock, Third Party Property in the care, custody and control of the Insured and property acquired during the period of insurance including Business Interruption.","sources":[{"clause":null,"heading":"POLICY SCHEDULE","page":1,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-standalone-war-insurance-irdan190rppr0011v01202526/document/13564#c-policy-schedule"}],"law":[]}],"documents":[{"kind":"wording","label":"Policy wording","pages":16,"fetched_at":"2026-10-17 19:55:19+00","source_url":"https://www.newindia.co.in/assets/docs/know-more/fire/new-india-standalone-war-insurance/SAW%20Policy%20Wordings.pdf","url":"https://indiainsurances.com/policy/new-india-assurance/new-india-standalone-war-insurance-irdan190rppr0011v01202526/document/13564"},{"kind":"prospectus","label":"Prospectus","pages":5,"fetched_at":"2026-10-17 19:55:52+00","source_url":"https://www.newindia.co.in/assets/docs/know-more/fire/new-india-standalone-war-insurance/SAW%20Pospectus.pdf","url":"https://indiainsurances.com/policy/new-india-assurance/new-india-standalone-war-insurance-irdan190rppr0011v01202526/document/13567"},{"kind":"cis","label":"Customer Information Sheet","pages":5,"fetched_at":"2026-10-17 19:55:53+00","source_url":"https://www.newindia.co.in/assets/docs/know-more/fire/new-india-standalone-war-insurance/SAW%20CIS%20%281%29.pdf","url":"https://indiainsurances.com/policy/new-india-assurance/new-india-standalone-war-insurance-irdan190rppr0011v01202526/document/13568"},{"kind":"brochure","label":"Sales literature","pages":5,"fetched_at":"2026-10-17 19:53:28+00","source_url":"https://www.newindia.co.in/assets/docs/know-more/fire/new-india-standalone-war-insurance/SAW%20Sale%20Literature.pdf","url":"https://indiainsurances.com/policy/new-india-assurance/new-india-standalone-war-insurance-irdan190rppr0011v01202526/document/13508"}],"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":"New India Standalone War Insurance (UIN IRDAN190RPPR0011V01202526), IndiaInsurances, https://indiainsurances.com/policy/new-india-assurance/new-india-standalone-war-insurance-irdan190rppr0011v01202526"}