COMPLETE HOME PROTECT POLICY

Part II - POLICY WORDINGS Spouse Your wife or husband.

The Coverage under the policy has been divided under following sections. Section 1 ICICI Bharat Griha
Raksha is mandatory and at least one other section is required to be opted for this policy. However Sum Insured The amount shown as Sum Insured in the Policy Schedule and as described in
under section 1, you can opt for either Cover 1(a) or 1(b) or both together. Clause C (4) and Clause D (2) of this Policy. It represents Our maximum liability
for each cover or part of cover and for each loss.
Sr. No. Interest covered
Total Loss A situation where the Insured Property or item is completely destroyed, lost or
Section 1 ICICI Bharat Griha Raksha damaged beyond retrieval or repair or the cost of repairing it is more than the Sum
1 (a) Home Buildings Cover Insured for that item or in total.
1(b) Home Contents Cover
We, Us, Our, The ICICI Lombard General Insurance Company that has provided Insurance
Section 2 Additonal Living Expenses Insurer Cover under this Policy; of the Company.
Section 3 Mechanical and/or Electrical Breakdown
You, Your, The Insured Person/s who has/have purchased Insurance Cover under this
Section 4 Garden Cover Insured Policy; of such Insured Person/s.
Section 5 Home Contents- All Risk Cover
Your Home Your Home Building is a building consisting of a residential unit, having an
Section 6 Loss of Contents whilst in Transit Building enclosed structure and a roof, basement (if any) and used as a dwelling place
Section 7 Loss of Cash whilst in Transit described in detail as per Clause C (2) of this Policy.
Section 8 Cover for Specified Articles (As per list given by You) Accident Accident means a sudden, unforeseen, and unexpected physical event caused
Section 9 Personal Liability by external, violent and visible means.
Section 10 Theft cover for Valuables (as per list given by You)
Market Value Market Value will be the new replacement value of a similar item less
Definitions applicable to this policy: depreciation. Provided that in respect of under mentioned items, the market value
will be arrived at on the basis given below:
Word /s Specific meaning
Sr. No. Item
Bank A bank or any financial institution
1. Domestic appliances and Present day replacement cost of
Carpet Area 1. for the main building unit of Your Home, it is the net usable floor area, excluding electronic items like refrigerator, a similar new item at a flat rate of
the area covered by the external walls, areas under services shafts, exclusive washing machine, microwave 15% per annum subject to a
balcony or verandah area and exclusive open terrace area, but including the oven, TV, cassette recorders, audio maximum of 75%
area covered by the internal partition walls of the residential unit; systems, VCR, VCD, DVD etc.
2. for any enclosed structure on the same site, it is the net usable floor area of
2. Personal computer and related Present day replacement cost of
such structure; and
accessories a similar new item less
3. for any balcony, verandah area, terrace area, parking area, or any enclosed depreciation at a flat rate of 25%
structure that is part of Your Home, it is 25% of its net usable floor area. per annum subject to a maximum
of 75%
Commencement It is the date and time from which the insurance cover under this Policy begins. It is
Date shown in the Policy Schedule. Section 1: ICICI Bharat Griha Raksha
The amount required to construct Your Home Building at the Commencement You chose this ICICI Bharat Griha Raksha Policy and applied to Us for insurance covers of Your
Cost of
Date. choice. You paid Us the premium and gave Us information about Yourself, Your Home Building and
Construction
Home Contents. Based on Your confirmation that this information is true and correct, and in return of
This amount is calculated as follows: accepting the Premium You have paid Us We promise to provide You insurance as stated in this Policy
a. For residential structure of Your Home including Fittings and Fixtures: Document and the Policy Schedule attached to it.
Carpet Area of the structure in square meters X Rate of Cost of Construction Clause A. This Policy and the Insurance Contract
at the Commencement Date. The Rate of Cost of Construction is the 1. Your Policy: This ICICI Bharat Griha Raksha Policy is a contract between You and Us as stated
prevailing rate of cost of construction of Your Home Building at the in the following:
Commencement Date as declared by You and accepted by Us and shown in
the Policy schedule. a. This Policy document,
b. For additional structures : b. The Policy Schedule attached to this Policy document,
the amount that is based on the prevailing rate of Cost of Construction at the c. Any Endorsement attached to and forming part of this Policy document,
Commencement Date as declared by You and accepted by Us. d. Any Add-on to this Policy that You may have purchased from Us,
e. The proposals and all declarations made by You or on Your behalf.
Endorsement A written amendment to the Policy that We make (additions, deletions, 2. To whom this Policy is issued and what it covers:
modifications, exclusions or conditions of an insurance Policy) which may change
a. This Policy is issued to You and covers You and/or Your Home Building and/or Home
the terms or scope of the original policy.
Contents as mentioned in the Policy Schedule.
Home Contents Those articles or things in Your Home that are not permanently attached or fixed b. If more than one person is insured under this Policy, each of You is a joint policyholder. Any
to the structure of Your Home. Home Contents may consist of General Contents notice or letter We give to any of You will be considered as given to all of You. Any request,
and/or Valuable Contents. statement, representation, claim or action of any one of You will bind all of You as if made by
all of You.
General General Contents are all the contents of household use in Your Home, e.g.,
Contents furniture, electronic items and goods, antennae, solar panels, water storage c. If You have mortgaged, pledged or hypothecated Your Home Building and/or Home
equipment, kitchen equipment, electrical equipment (including those fitted on Contents with a Bank, the Policy Schedule will show an ‘Agreed Bank Clause’ and the name
walls ), clothing and apparel and items of similar nature. of such Bank. The terms and conditions of this arrangement will be added to this Policy as an
additional clause.
Valuable Valuable Contents of Your Home consist of items such as jewellery, silverware, 3. The Policy Schedule: The Policy Schedule is an important document about Your insurance cover.
Contents paintings, works of art, It contains:
Insured The Person/s who has/have purchased Insurance Cover under this Policy. a. Your personal details,
b. the Policy Period,
Insured Property Your Home Building and Home Contents, or any item of property c. the description of Your Insured Property,
Building(s) having walls and/or roofs of wooden planks/thatched leaves and/or d. the total Sum Insured, the Sum Insured for each cover or item covered, and any limits and
Kutcha
grass/hay of any kind/bamboo/plastic cloth/asphalt/canvas/tarpaulin and the like. sub-limits,
Construction
e. the insurance covers You have purchased,
Policy Period Policy period means the period commencing from the effective date and time as f. the premium You have paid for these insurance covers,
shown in the Policy Schedule and terminating at Midnight on the expiry date as
g. add-on covers opted by You,
shown in the Policy Schedule or on the termination of or the cancellation of
insurance as provided for in Clause G (III) of this Policy, whichever is earlier. h. other important and relevant aspects and information.
4. Special meaning of certain words: Words stated in the table below have a special meaning
Policy Schedule The document accompanying and forming part of the Policy that gives Your throughout this Policy, the Policy Schedule and Endorsements.
details and of Your insurance cover, as described in Clause A (3) of this Policy.
These words with special meaning are stated in the Policy with the first letter in capitals.
Premium The premium is the amount You pay Us for this insurance. The Policy Schedule Word/s Specific meaning
shows the amount of premium for the Policy Period and all other taxes and levies.
Bank A bank or any financial institution
Pucca Construction other than Kutcha Construction.
Construction

UIN: IRDAN115RP0013V01202122 1 CIN: L67200MH2000PLC129408

Carpet Area 4. for the main building unit of Your Home, it is the net usable floor area, You, Your, The Insured Person/s who has/have purchased Insurance Cover under this
excluding the area covered by the external walls, areas under services Insured Policy; of such Insured Person/s.
shafts, exclusive balcony or verandah area and exclusive open terrace area,
but including the area covered by the internal partition walls of the residential Your Home Your Home Building is a building consisting of a residential unit, having an
unit; Building enclosed structure and a roof, basement (if any) and used as a dwelling place
5. for any enclosed structure on the same site, it is the net usable floor area of described in detail as per Clause C (2) of this Policy.
such structure; and Clause B. Insured Events
6. for any balcony, verandah area, terrace area, parking area, or any enclosed We give insurance cover for physical loss or damage, or destruction caused to Insured Property by the
structure that is part of Your Home, it is 25% of its net usable floor area. following unforeseen events occurring during the Policy Period.
Commencement It is the date and time from which the insurance cover under this Policy begins. It is The events covered are given in Column A and those not covered in respect of these events are given in
Date shown in the Policy Schedule. Column B.

Column A Column B
Cost of The amount required to construct Your Home Building at the Commencement
Construction Date. We cover physical loss or damage, or We do not cover any loss or damage, or
This amount is calculated as follows: destruction caused to the Insured Property by destruction caused to the Insured Property
c. For residential structure of Your Home including Fittings and Fixtures: 1. Fire caused by burning of Insured Property by order
Carpet Area of the structure in square metres X Rate of Cost of Construction of any Public Authority.
at the Commencement Date. The Rate of Cost of Construction is the 2. Explosion or Implosion -
prevailing rate of cost of construction of Your Home Building at the
Commencement Date as declared by You and accepted by Us and shown in 3. Lightning -
the Policy schedule. 4. Earthquake, volcanic eruption, or other -
d. For additional structures : the amount that is based on the prevailing rate of convulsions of nature
Cost of Construction at the Commencement Date as declared by You and
accepted by Us. 5. Storm, Cyclone, Typhoon, Tempest, -
Hurricane,
Endorsement A written amendment to the Policy that We make (additions, deletions,
modifications, exclusions or conditions of an insurance Policy) which may change Column A Column B
the terms or scope of the original policy. We cover physical loss or damage, or We do not cover any loss or damage, or
Home Contents Those articles or things in Your Home that are not permanently attached or fixed destruction caused to the Insured Property by destruction caused to the Insured Property
to the structure of Your Home. Home Contents may consist of General Contents 6. Subsidence of the land on which Your Home caused by
and/or Valuable Contents. Building stands, Landslide, Rockslide a. normal cracking, settlement or bedding
down of new structures,
Definitions applicable to this policy:
b. the settlement or movement of made up
Word/s Specific meaning ground,
c. coastal or river erosion,
General General Contents are all the contents of household use in Your Home, e.g.,
furniture, electronic items and goods, antennae, solar panels, water storage d. defective design or workmanship or use of
Contents
equipment, kitchen equipment, electrical equipment (including those fitted on defective materials, or
walls ), clothing and apparel and items of similar nature. e. demolition, construction, structural
alterations or repair of any property, or
Valuable Valuable Contents of Your Home consist of items such as jewellery, silverware, ground works or excavations.
Contents paintings, works of art, antique items, curios and items of similar nature.
7. Bush fire, Forest fire, Jungle fire -
Insured The Person/s who has/have purchased Insurance Cover under this Policy. 8. Impact damage of any kind, i.e., damage caused by pressure waves caused by aircraft or
caused by impact of, or collision caused by any other aerial or space devices travelling at sonic
Insured Property Your Home Building and Home Contents, or any item of property covered by this external physical object (e.g. vehicle, falling or supersonic speeds.
Policy. trees, aircraft, wall etc.)
Kutcha Building(s) having walls and/or roofs of wooden planks/thatched leaves and/or 9. Missile testing operations -
Construction grass/hay of any kind/bamboo/plastic cloth/asphalt/canvas/tarpaulin and the like.
Policy Period Policy period means the period commencing from the effective date and time as 10. Riot, Strikes, Malicious Damages caused by
shown in the Policy Schedule and terminating at Midnight on the expiry date as a. temporary or permanent dispossession,
shown in the Policy Schedule or on the termination of or the cancellation of confiscation, commandeering, requisition
insurance as provided for in Clause G (III) of this Policy, whichever is earlier. or destruction by order of the government
or any lawful authority,
Policy Schedule The document accompanying and forming part of the Policy that gives Your or
details and of Your insurance cover, as described in Clause A (3) of this Policy.
b. temporary or permanent dispossession of
Premium The premium is the amount You pay Us for this insurance. The Policy Schedule Your Home by unlawful occupation by any
shows the amount of premium for the Policy Period and all other taxes and levies. person.

Pucca Construction other than Kutcha Construction. 11. Acts of terrorism (Coverage as per Exclusions and Excess as per Terrorism
Construction Terrorism Clause attached) Clause attached.

Spouse Your wife or husband. Column A Column B

We cover physical loss or damage, or We do not cover any loss or damage, or
Sum Insured The amount shown as Sum Insured in the Policy Schedule and as described in
destruction caused to the Insured Property by destruction caused to the Insured Property
Clause C (4) and Clause D (2) of this Policy. It represents Our maximum liability
for each cover or part of cover and for each loss. 12. Bursting or overflowing of water tanks, -
apparatus and pipes.
Total Loss A situation where the Insured Property or item is completely destroyed, lost or
damaged beyond 13. Leakage from automatic sprinkler a. repairs or alterations in Your Home or the
installations. building in which Your Home is located,
Definitions applicable to this policy: b. repairs, removal or extension of any
sprinkler installation, or
Word/s Specific meaning c. defects in the construction known to You.
retrieval or repair or the cost of repairing it is more than the Sum Insured for that 14. Theft within 7 (seven )days from the if it is
item or in total. occurrence of and proximately caused by any a. of any article or thing outside Your Home,
of the above Insured Events. or
We, Us, Our, The ICICI Lombard General Insurance Company that has provided Insurance b. of any article or thing attached from the
Insurer Cover under this Policy; of the Company. outside of the outer walls or the roof of Your
Home, unless securely mounted.

UIN: IRDAN115RP0013V01202122 2 CIN: L67200MH2000PLC129408

COMPLETE HOME PROTECT POLICY

Clause C: Home Building Cover pay to Us proportionate premium for the unexpired Policy Period
1. What We cover from the date of loss. We can also deduct this premium from the net
claim that We must pay You.
We cover physical loss or damage, or destruction of Your Home Building
because of any Insured Event listed in Clause B of this Policy. We also 5. What We pay
cover architect’s, surveyor’s, consulting engineer’s fees, cost of a. If You make a claim under the policy for damage to Your Home
removing debris as specified under Clause C (5) (f) of this Policy. Further, Building due to any of the insured perils, We reimburse the cost to
We pay for Loss of rent and Rent for Alternative Accommodation, which repair it to a condition substantially the same as its condition at the
will be paid to the extent declared by You and agreed by Us as specified time of damage. You must spend for repairs, and claim that amount
under Clause C (6) of this Policy while Your Home Building is not fit for from Us.
living following loss or damage due to an insured event. b. We will calculate the amount of claim on the basis of the actual
2. Your Home Building Carpet Area subject to the Carpet Area not exceeding that declared
a. Your Home Building is a building consisting of a residential unit, by You in the Proposal Form and stated in the Policy Schedule.
having an enclosed structure and a roof, basement (if any) and used c. The maximum We will pay for all items together is the Sum Insured
as a dwelling place. shown in the Policy Schedule for Home Building Cover. If the Policy
b. Your Home Building includes Schedule shows any limit for any item, such limit is the maximum
We will pay for that item.
i. fixtures and fittings permanently attached to the floor, walls or
roof, like fixed sanitary fittings, electrical wiring and other d. If Your Home Building is a Total Loss, We will pay You the Sum
permanent fittings. Insured of the Home Building.
ii. the following ‘additional structures’ if they are on the same site, e. If only an additional structure is destroyed, We will pay You an
and are used as part of Your Home Building: amount equal to the Cost of Construction of the additional structure.
a) garage, domestic out-houses used for residence, parking f. In addition to what Clause C (5) (c) of this Policy provides for, We
spaces or areas, if any will pay You the following expenses:
b) compound walls, fences, gates, retaining walls and internal i. up to 5% of the claim amount for reasonable fees of architect,
roads, surveyor, consulting engineer;
c) verandah or porch and the like, ii. up to 2 % of the claim amount for reasonable costs of removing
debris from the site.
d) septic tanks, bio-gas plants, fixed water storage units or
tanks, 6. Loss of Rent and Rent for Alternative Accommodation: In addition to
what Clause C (5) (c) of this Policy provides for, We will pay the amount of
e) solar panels, wind turbines and air conditioning systems, rent You lose or alternative rent You pay while Your Home Building is not
central heating systems and the like, if not included in Home fit for living because of physical loss arising out of an Insured Event as
Contents Cover, follows:
iii. any other structure shown in the Policy Schedule. a. If You are living in Your Home as a tenant, and You are required to pay
c. Your Home Building does not include Contents of Your Home. higher rent for the alternative accommodation, We will pay the
3. Use for residence difference between the rent for alternative accommodation and the
rent of Your Home Building.
a. We will pay only if Your Home Building is used for the purpose of
residence of Yourself and Your family, or of Your tenant, licensee or b. We will pay the loss under this cover for an accommodation that is
employee. not superior to Your Home Building in any way and in the same city as
Your Home Building.
b. We will not pay if
c. The amount of lost rent shall be calculated as follows: Sum Insured
i. Your Home Building is used as a holiday home, or for lodging and
for Cover for Loss of Rent (as declared by You in the Proposal Form
boarding, or
and specified by Us in the Policy Schedule) X Period necessary for
ii. Your Home Building or any part of Your Home Building is used for repairs ÷ Loss of Rent Period opted for.
purposes other than residential except where it is used both for
d. This cover will be available for the reasonable time required to repair
Your residence and for the purposes of earning Your livelihood if
Your Home Building to make it fit for living. The maximum period of
You are self- employed or You have shifted Your office to Your
this cover is three years from the date Your Home Building becomes
Home Building for a temporary period due to lockdown or
unfit for living. You must submit a certificate from an architect or the
closure of Your office ordered by a public authority.
local authority to show that Your Home Building is not fit for living.
4. Sum Insured
e. Claim for loss of rent will be accepted only if We have accepted Your
a. The Sum Insured for the Home Building Cover is the prevailing Cost of claim for loss for physical damage to Your Home under the Home
Construction of Your Home Building at the Commencement Date as Building Cover.
declared by You and accepted by Us and will be the maximum
Clause D: Home Contents Cover
amount payable in the event the Home Building is a Total Loss.
1. What We cover:
b. If the Policy Period is more than one year, We will automatically
increase Your Sum Insured during the Policy Period by 10% per We cover the physical loss or damage to or destruction of the General
annum on each anniversary of Your Policy without additional Contents of Your Home caused by an Insured Event as listed in Clause B
premium for a maximum of 100% of the Sum Insured at the Policy of this Policy. Valuable Contents of Your Home are not covered under this
Commencement Date. Policy unless You have purchased the optional cover for the Valuable
Contents.
c. The Sum Insured will be automatically increased each day by an
amount representing 1/365th of 10% of Sum Insured at the Policy 2. Sum Insured:
Commencement Date for annual policies. a. The Sum Insured for the Home Contents Cover is shown in the Policy
d. Restoration of Sum Insured : Except as stated in Clause G (III) (3) (b) Schedule and will be the maximum amount payable in the event the
of this Policy, the insurance cover will at all times be maintained Home Contents are destroyed/lost completely.
during the Policy Period to the full extent of the respective Sum b. The policy has a built-in cover for the General Contents of Your home
Insured. This means that after We have paid for any loss, the policy equal to 20% of the Sum Insured for Home Building Cover subject to a
shall be restored to the full original amount of Sum Insured. You must maximum of ? 10 Lakh (Rupees Ten Lakh) provided You have opted

UIN: IRDAN115RP0013V01202122 3 CIN: L67200MH2000PLC129408

COMPLETE HOME PROTECT POLICY

for both Home Building and Home Contents cover. If You choose to Clause F. Exclusions (What We do not cover) for all covers under this
have a higher Sum Insured for Home Contents, You have to declare policy
the Sum Insured in the Proposal Form and pay additional premium. We do not cover losses and expenses for any loss or damage or destruction of
c. If You have purchased only Home Contents Cover, You have to the Insured Property that is directly or indirectly as a result of or is caused by
declare the Sum Insured for the General Contents in the Proposal or arising from events, stated below:
Form. 1. Your deliberate, wilful or intentional act or ommission, or of anyone on
d. The Sum Insured You have chosen for General Contents must be Your behalf, or with Your connivance.
enough to cover the cost of replacement of the General Contents. 2. War, invasion, act of foreign enemy hostilities or war-like operations
e. If You want to cover the Valuable Contents in Your Home, You must (whether war is declared or not), civil war, mutiny, civil commotion
opt for the Optional Cover for Valuable Contents as given in Clause E amounting to a popular rising, military rising, rebellion, revolution,
(1) (a) of this Policy. insurrection or military or usurped power.
f. Restoration of Sum Insured: Except as stated in Clause G (III) (3) (b) 3. Ionising radiation or contamination by radioactivity from any nuclear fuel
of this Clause below, the insurance cover will at all times be or from any nuclear waste from combustion of nuclear fuel, or the
maintained during the Policy Period to the full extent of the radioactive, toxic, explosive or other hazardous properties of any
respective Sum Insured. This means that after We have paid for any explosive nuclear assembly or nuclear component that is part of it.
loss, the policy shall be restored to the full original amount of Sum 4. Pollution or contamination, unless
Insured. You must pay to Us proportionate premium for the unexpired i. the pollution or contamination itself has resulted from an Insured
Policy Period from the date of loss. We can also deduct this premium Event, or
from the net claim that We must pay You.
ii. an Insured Event itself results from pollution or contamination.
3. What We pay
5. Loss, damage or destruction to any electrical/electronic machine,
a. If the General Contents of Your Home are physically damaged by any apparatus, fixture, or fitting by over-running, excessive pressure, short
Insured Event, We will at Our option, circuiting, arcing, self- heating or leakage of electricity from whatever
i. reimburse to You the cost of repairs to a condition substantially cause (lightning included). This exclusion applies only to the particular
the same as its condition at the time of damage, or machine so lost, damaged or destroyed.
ii. pay You the cost of replacing that item with a same or similar 6. Loss or damage to bullion or unset precious stones, manuscripts, plans,
item, or drawings, securities, obligations or documents of any kind, coins or
paper money, cheques, vehicles, and explosive substances unless
iii. repair the damaged item to a condition substantially the same as
otherwise expressly stated in the policy.
its condition at the time of damage.
7. Loss of any Insured Property which is missing or has been mislaid, or its
b. The maximum We will pay for Home Contents is the Sum Insured
disappearance cannot be linked to any single identifiable event.
shown in the Policy Schedule for Home Contents Cover. If the Policy
Schedule shows any limit for any item, or category or groups of 8. Loss or damage to any Insured Property removed from Your Home to any
items, such limit is the maximum We will pay for that item. other place.
Clause E: Additional Covers 9. Loss of earnings, loss by delay, loss of market or other consequential or
indirect loss or damage of any kind or description whatsoever.
1. Optional Covers:
10. Any reduction in market value of any Insured Property after its repair or
a. Cover for Valuable Contents on Agreed Value Basis (under Home reinstatement.
Contents cover):
11. Any addition, extension, or alteration to any structure of Your Home
For Valuable Contents, a value may be agreed upon by You and Us Building that increases its Carpet Area by more than 10% of the Carpet
based on a valuation certificate submitted by You and accepted by Area existing at the Commencement Date or on the date of renewal of
Us. However, We shall waive the requirement of valuation certificate this Policy, unless You have paid additional premium and such addition,
if the Sum Insured opted for is up to ? 5 Lakh (Rupees Five Lakh) and extension or alteration is added by Endorsement.
Individual item value does not exceed ? 1 Lakh (Rupees One Lakh).
12. Costs, fees or expenses for preparing any claim.
i. If the Valuable Contents of Your Home are physically damaged by
Clause G. Conditions
any Insured Event, We will pay the cost of repairing the item/s.
(I) Your Obligations
ii. If the Valuable Contents of Your Home are a Total Loss We will
pay the Sum Insured shown in the Policy Schedule for the 1. Make true and full disclosure in the proposal and related
Valuable item/s. If the Policy Schedule shows any limit for any documents
item, or category or groups of items, such limit is the a. You have a duty of disclosure to tell Us everything You know, or
maximum We will pay for that item. Loss to only one item of a could reasonably be expected to know, that is relevant to Us for
pair or set does not constitute loss or damage to the entire pair deciding whether to give You insurance cover and on what
or set. terms. You owe this duty to disclose such relevant material
b. Personal Accident Cover: information even if We have not specifically asked for it. This
duty extends to any information or declaration given by anyone
In the event an insured peril that caused damages to Your Home else on Your behalf.
Building and/or Home Contents also results in the unfortunate death
of either You or Your spouse, We will pay compensation of ? 5,00,000 b. We have agreed to give You insurance cover entirely on the basis
(Rupees Five Lakh) per person. of the information You, or anyone on Your behalf, have given Us in
the proposal, statements and other declarations and documents
In the event of the unfortunate death of the insured, the Personal (in writing or electronic) about Yourself, Your family, Your Home
Accident cover shall continue for the spouse until expiry of the Building and Home Contents. The correct and complete
policy. information You give is the basis of Our contract with You. Our
2. Add-ons: promise to pay is conditional upon the truth of these statements
You can opt for an Add-on by choosing from the Add-ons, if any, offered and on the assumption that You, or anyone on Your behalf, has
by Us under this product and the ones that You have purchased will be not withheld any material information about Yourself, Your
mentioned in the Policy Schedule and the relevant clause/s and/or family, Your Home Building and Home Contents.
endorsements will be attached to this Policy.

UIN: IRDAN115RP0013V01202122 4 CIN: L67200MH2000PLC129408

COMPLETE HOME PROTECT POLICY

2. Obligation to take care : You must: a. Destruction of Your Home Building: This Policy will
a. keep Your Home Building and Home Contents in good condition automatically end 7 (seven) days after Your Home Building
and well maintained, You must ensure that the structure of Your collapses or is destroyed by reason other than any Insured
Home Building does not have any faults or defects that are Event. If a separable part of Your Home Building, or any additional
visible and material that will aggravate loss or damage to the structure falls down or is destroyed by reason other than any
Home Building in the event an insured peril occurs. Insured Event, the covers will end for such part or additional
structure.
b. take care to prevent theft, loss or damage to Your Home Building
and Home Contents, and You can apply within 7 (seven) days of such fall or destruction for
continuing insurance cover. We may agree, but will not be
c. ensure that unauthorized persons do not occupy Your Home bound, to continue the cover on the same rates, terms and
Building. conditions.
3. Inform change in circumstances : You must inform Us immediately b. Exhaustion of Sum Insured: If Your Home Building, or any
if additional structure, or any item of Home Contents, is lost,
a. You change Your address, destroyed or stolen, or is a Total Loss, and We pay You the full
b. You make any addition, alteration, extension to the structure of Sum Insured for such item, the insurance cover for that item will
Your Home Building, automatically end unless the subject matter of insurance is
reconstructed and the Sum Insured is reinstated by paying
c. You let out Your Home Building, or Your Home Building will no
additional premium. If We pay the total Sum Insured for any
longer be solely occupied by You,
claim, this Policy will end.
d. You change the use of Your Home Building.
c. Change of use of Your Home Building or Home Contents: The
4. Allow inspection and investigation of claim: You must allow, and Policy will end
give full cooperation to the survey/investigation of Your claim by Us.
i. if You change the use of Your Home Building from personal
You must allow Us, and any surveyor, officer or other representative
residence to any other purpose, or
that We authorise, to inspect Your Home Building and Home
Contents including the interior wherever necessary, take ii. if You use any item of Home Contents for use that is not
photographs and where required, permit the scientific testing and personal.
investigation of any insured article affected by the insured peril. You d. Sale of Your Home Building or Home Contents: This Policy will
must answer all questions asked regarding Your claim truthfully and end when You sell, surrender or release Your interest in Your
completely, and submit all relevant documents that We will require. Home Building and/or Home Contents, or Your interest in the
5. Make true statements and full disclosure in the claim and Home Building and/or Home Contents comes to an end. The
related documents You must also give true and full information in Policy will end to the extent any additional structure of Your
Your claim and submit true documents. If You give any false Home Building or item of Home Contents if You sell, surrender or
information or document in the claim, or if You withhold any release Your interest in such additional structure or item of Home
information or document (written or electronic), We have a right to Content, or Your interest in these ends.
refuse payment of Your claim. We may also cancel Your policy. e. Effect of death
(II) Renewal of Policy In the event of the unfortunate death of the Insured during the
1. End of Policy: This Policy will expire at the end of the Policy Period. Policy Period, the Home Building Cover and the Home Contents
Cover that You have purchased will continue for the benefit of
2. Renewal is not automatic, We may seek relevant information from
Your legal representative/s during the Policy Period subject to all
You for the purpose of renewal. We can reject Your renewal only on
the terms and conditions of this Policy.
grounds of mis- representation, non- disclosure of material facts,
fraud or non-co-operation on Your part. (IV) Claims Procedure
3. Application for renewal: If You wish to renew the Policy, You must If You suffer a loss because of an Insured Event, You must make a claim
apply for renewal before the end of the Policy Period and pay the for Your financial loss at Your cost. The procedure for making a claim is
required premium amount. given below. These include things that You must do, and that You must
not do. It is important to comply with these to ensure that it does not
(III) Cancellation and Termination of Policy
prejudice Your claim in any manner.
1. Cancellation by You at any Time
1. Immediate notice to Us
a. You can cancel this Policy at any time by giving Us notice in
a. As soon as any physical loss or damage occurs to Your Home
writing. The Policy will terminate when We receive Your notice.
Building or Home Contents due to an Insured Event, You must
b. If You cancel the policy, We will refund premium as follows: immediately give notice to Us of the loss or damage. This is
Time for which Policy in force Refund of premium necessary for Us to survey/ investigate the loss or damage, as
Period for which policy is in force Policy Premium - (Pro-Rata may be required.
+ 10%) b. You can give notice to any of Our offices or call-centres.
2. Cancellation by Us: c. You must state in this notice
a. We will not cancel the Policy during the policy period except on i. the Policy Number,
the grounds of mis- representation, non-disclosure of material ii. Your name,
facts, fraud or non-co- operation on Your part.
iii. details of report to the police that You made,
b. In case of Total Loss of Your Home Building in a long term policy
iv. details of report to any Authority that You made,
where You have decided not to reinstate Your Home Building in
favour of a cash settlement of Your claim, We will cancel the v. details of the Insured Event,
policy for the remaining duration of the policy period. In such a vi. a brief statement of the loss,
case We shall refund the proportionate premium for the un- vii. particulars of any other insurance of Your Home Building or
expired policy years after grossing up the premium paid by You any of Your Home Contents,
towards long term discount, if any.
viii. details of loss or damage under any Optional Cover or Add-ons,
3. Automatic termination of the Policy
ix. submit photographs of loss or physical damage, wherever
This Policy will automatically end in the following cases: possible.
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COMPLETE HOME PROTECT POLICY

2. Steps to prevent loss and damage i. We will not pay,

a. You must take all reasonable steps to prevent further loss or We can cancel the Policy: in such a case, You will lose all
damage to Your Home Building and Home Contents. benefits under this Policy and premium that You have paid, and
b. Until We have inspected Your Home Building and Home ii. We can also inform the police, and start legal proceedings
Contents, and have given Our consent, against You.
i. You must not sell, give away or dispose of any damaged 7. Other insurance
items of any property for which You are making a claim; a. If You have any other policy with Us or any other Insurance
ii. You must not wash or clean, or remove any damaged item or Company (taken by You or by anyone else for You) covering in
debris, except for any urgent necessity; whole or in part any claim that You have made under this Policy,
iii. You must not carry out repairs, unless such repairs are You have a right to ask for settlement of Your claim under any of
urgent and You cannot contact Us. these policies.
3. Immediate notice to Authorities b. If You choose to claim under this Policy from Us, We will settle
Your claim within the limits and the terms and conditions of this
a. As soon as any loss or damage occurs to the Insured Property, Policy.
You must give immediate report to appropriate legal authorities.
For example, You must report to the fire brigade of the local c. After We pay the amount under Your claim, We have the right to
authority and the police if there is damage by fire/ explosion / ask for contribution from the Insurers that have given You the
implosion or lightning. In case of subsidence /landslide / other policies.
rockslide, You must inform the District Administration. In the d. We will ensure that Our actions do not impose any liability on You.
event of impact damage of any kind or Riot Strikes, Malicious 8. Recovery action by Us
damages and acts of terrorism, You must inform the police. If
there is a theft within 7 (seven) days following an Insured Event a. When We accept and pay Your claim under the Policy, We can
You must inform the police. start legal proceedings to recover the amount or property from
the third party who has caused the loss or damage to Your Home
b. We may, but not necessarily, waive this condition if We are Building or Home Contents. You must give authority to Us to take
satisfied that by reason of extreme hardship it was not possible such action and exercise this right effectively, when We request
for You or any other person on Your behalf to give such report. You, whether before or after making payment of Your claim. You
4. Submit claim must give all information, cooperation, assistance and help for
a. Claim form: this purpose. You must not do anything which will prejudice Our
right. We can do this
i. You must submit Your claim in Our claim form at the earliest
opportunity, but within 30 days from the date You first notice i. without seeking Your consent,
the loss or damage. The claim form is available in any of Our ii. in Your name, and
branches, and on Our web-site. iii. whether or not Your loss has been fully compensated.
ii. You must state in Your claim the details of any other b. Any amount We recover from such person will be applied first to
insurance policy that covers the damage or loss for which the costs of the legal proceedings and recovery, then to the
You have filed Your claim, whether You have purchased such claim amount We have paid or must pay to You. We will pay You
other insurance, or someone else has purchased it for You. any balance.
b. We shall not be liable for any loss or damage after the expiry of c. You can start legal proceedings against any person who has
12 months from the happening of the loss or damage unless the caused the loss or damage only with Our prior consent, and on
claim is the subject of pending action or arbitration. If We conditions that We will impose. You must not compromise or
disclaim liability for a claim You have made and if the claim is not settle any claim against such person without Our consent. If You
made a subject matter of a suit in a court of law within a period of recover any amount from such person, You must return to Us the
12 months from the date of disclaimer, the claim shall not be amount We have paid for Your claim. We can take over the
recoverable hereunder. conduct of legal proceedings that You have started and continue
5. Establish loss the proceedings in Your name.
a. You must prove that the Insured Event has occurred, and the Clause H. Changes to covers
extent of physical loss or damage You have suffered with full a. You can choose to make changes to the covers of this Policy as may be
details. permitted by Us, or increase or reduce any Sum Insured. You must make
b. When We request, a proposal or request for any change. It will be effective only after We
i. You must support Your claim for Home Building and/or Home have accepted Your proposal, and You have paid the additional premium,
Contents with plans, specification books, vouchers, where applicable.
invoices pertaining to costs incurred by You for b. This Policy (including the Policy Schedule, the proposal, declarations and
reconstruction / replacement/repairs. Endorsements) consists of the entire contract between You and Us.
ii. You must allow Us, Our officers, surveyors or Clause I. Waiver of Underinsurance
representatives to inspect the loss or damage to Your Home Underinsurance does not apply to the ICICI Bharat Griha Raksha Policy.
Building and/or Home Contents, and to take measurements, Thus, if Your Sum Insured calculated on the basis of the information that You
samples, damaged items or parts, and photographs that are provided, is less than the actual value at risk, the difference will not affect the
relevant. amount We pay.
iii. You must give Us authority to see the relevant records and Clause J. Other Details
get information about the Event and Your loss from the
police or any other authority. 1. Notices

c. For Optional Cover of Personal Accident, Death Certificate and a. We will send any notice, letter or communication in writing to You at
Post Mortem report (wherever necessary) shall be submitted. Your address mentioned in the Policy Schedule, and to Your email
address that You have registered with Us.
6. Fraudulent claim
b. You will send any notice, letter, intimation or communication in
If You, or anyone on Your behalf, make a false or fraudulent claim , or writing to Us at Our branch office where You purchased this Policy.
support a claim with any false or fraudulent statement or documents: You can also send it at the address mentioned in the Policy Schedule.

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COMPLETE HOME PROTECT POLICY

2. Nomination for this Policy The details of Insurance Ombudsman are available below:-
You can nominate a person to receive the claim amount under this Policy Office of the Insurance Ombudsman Areas of Jurisdiction
in the event of Your death. You can make such nomination at the time You AHMEDABAD Gujarat,
take the Policy, or later. You can also change the nomination at any time. Office of the Insurance Ombudsman, Dadra & Nagar Haveli,
Jeevan Prakash Building, 6th Floor, Tilak Marg, Daman and Diu.
You can make the nomination on Our nomination form available in Our Relief Road, Ahmedabad - 380 001.
office or from Our website: Tel.: 079 - 25501201/02/05/06
Email: bimalokpal.ahmedabad@cioins.co.in
……………...
3. Applicable law and jurisdiction BENGALURU Karnataka
Office of the Insurance Ombudsman,
This Policy will be subject to the laws of India, and to the jurisdiction of Jeevan Soudha Building, PID No. 57-27-N-19
courts in India. Ground Floor, 19/19, 24th Main Road,
JP Nagar, Ist Phase, Bengaluru - 560 078.
4. Arbitration Tel.: 080 - 26652048 / 26652049
Email: bimalokpal.bengaluru@cioins.co.in
If any dispute or difference arises between You and Us regarding the
amount of claim to be paid under this policy (liability having been BHOPAL Madhya Pradesh and Chattisgarh.
Office of the Insurance Ombudsman,
admitted by Us), such difference shall independently of all other
Janak Vihar Complex, 2nd Floor,
questions, be referred to the decision of a sole arbitrator to be appointed 6, Malviya Nagar, Opp. Airtel Office,
in writing by You and Us or if You and We cannot agree upon a single Near New Market, Bhopal - 462 003.
arbitrator within 30 days of either of Us opting for arbitration, the same Tel.: 0755 - 2769201 / 2769202
shall be referred to a panel of three arbitrators comprising of two Fax: 0755 - 2769203
Email: bimalokpal.bhopal@cioins.co.in
arbitrators, one to be appointed by each of Us, to the dispute/difference
and the third arbitrator to be appointed by two such arbitrators and BHUBANESHWAR Orissa.
Office of the Insurance Ombudsman,
arbitration shall be conducted under and in accordance with the 62, Forest Park, Bhubneshwar - 751 009.
provisions of the Arbitration and Conciliation Act, 1996. Tel.: 0674 - 2596461 /2596455
Fax: 0674 - 2596429
Clause K. Grievances
Email: bimalokpal.bhubaneswar@cioins.co.in
If You have a grievance about any matter relating to the Policy, or Our decision
CHANDIGARH Punjab, Haryana (excluding Gurugram,
on any matter, or the claim, You can address Your grievance as follows: Office of the Insurance Ombudsman, Faridabad, Sonepat and Bahadurgarh)
1. Our Grievance Redressal Officer S.C.O. No. 101, 102 & 103, 2nd Floor, Himachal Pradesh, Union Territories of
Batra Building, Sector 17 - D, Jammu & Kashmir,
You can send Your grievance in writing by post or email to Our Grievance Chandigarh - 160 017. Ladakh & Chandigarh.
Redressal Officer at the following address: Tel.: 0172 - 2706196 / 2706468
Fax: 0172 - 2708274
Address: Grievance Redressal Officer Email: bimalokpal.chandigarh@cioins.co.in
ICICI Lombard General Insurance Company Limited ICICI Lombard House, CHENNAI Tamil Nadu, Tamil Nadu ,
414, Veer Savarkar Marg, Near SiddhiVinayak Temple, Prabhadevi, Office of the Insurance Ombudsman, PuducherryTown and
Mumbai 400025 Email: customersupport@icicilombard.com. Fatima Akhtar Court, 4th Floor, 453, Karaikal (which are part of Puducherry).
Customer Service: 18002666 Anna Salai, Teynampet, CHENNAI - 600 018.
Tel.: 044 - 24333668 / 24335284
2. Consumer Affairs Department of IRDAI Fax: 044 - 24333664
Email: bimalokpal.chennai@cioins.co.in
a. In case it is not resolved within 15 days or if You are unhappy with the
resolution You can approach the Grievance Redressal Cell of the DELHI Delhi & Following Districts of Haryana -
Consumer Affairs Department of IRDAI by calling Toll Free Number Office of the Insurance Ombudsman, Gurugram, Faridabad, Sonepat &
2/2 A, Universal Insurance Building, Bahadurgarh.
155255 (or) 1800 4254 732 or sending an e-mail to complaints@ir
Asaf Ali Road,
dai.gov. in. You can also make use of IRDAI's online portal - Integrated New Delhi - 110 002.
Grievance Management System (IGMS) by registering Your Tel.: 011 - 23232481/23213504
complaint at igms.irda.gov.in. Email: bimalokpal.delhi@cioins.co.in

b. You can send a letter to IRDAI with Your complaint on a Complaint GUWAHATI Assam, Meghalaya, Manipur, Mizoram,
Registration Form available by clicking here. You must fill and send Office of the Insurance Ombudsman, Arunachal Pradesh, Nagaland and
Jeevan Nivesh, 5th Floor, Tripura.
the Complaint Registration Form along with any documents by post
Nr. Panbazar over bridge, S. S. Road,
or courier to General Manager, Insurance Regulatory and Guwahati - 781001(ASSAM).
Development Authority of India (IRDAI), Consumer Affairs Tel.: 0361 - 2632204 / 2602205
Department - Grievance Redressal Cell, Sy.No.115/1, Financial Email: bimalokpal.guwahati@cioins.co.in
District, Nanakramguda, Gachibowli, Hyderabad- 500032. HYDERABAD Andhra Pradesh, Telangana, Yanam and
c. You can visit the portal http:// www.policyholder.gov.in for more Office of the Insurance Ombudsman, part of Union Territory of Puducherry.
6-2-46, 1st floor, "Moin Court",
details.
Lane Opp. Saleem Function Palace,
3. Insurance Ombudsman A. C. Guards, Lakdi-Ka-Pool,
Hyderabad - 500 004.
You can approach the Insurance Ombudsman depending on the nature of Tel.: 040 - 23312122
grievance and financial implication, if any. Information about Insurance Fax: 040 - 23376599
Ombudsmen, their jurisdiction and powers is available on the website of Email: bimalokpal.hyderabad@cioins.co.in
the Insurance Regulatory and Development Authority of India (IRDAI) at
www.irdai.gov.in, or of the General Insurance Council at
www.generalinsurancecouncil.org.in, the Consumer Education Website
of the IRDAI at http://www.policyholder.gov.in, or from any of Our
Offices.

UIN: IRDAN115RP0013V01202122 7 CIN: L67200MH2000PLC129408

 COMPLETE HOME PROTECT POLICY
The details of Insurance Ombudsman are available below:-
Office of the Insurance Ombudsman Areas of Jurisdiction Office of the Insurance Ombudsman Areas of Jurisdiction
JAIPUR Rajasthan MUMBAI Goa, Mumbai Metropolitan Region
Office of the Insurance Ombudsman, Office of the Insurance Ombudsman, excluding Navi Mumbai & Thane.
Jeevan Nidhi - II Bldg., Gr. Floor, 3rd Floor, Jeevan Seva Annexe,
Bhawani Singh Marg, Jaipur - 302 005. S. V. Road, Santacruz (W),
Tel.: 0141 - 2740363 Mumbai - 400 054.
Email: bimalokpal.jaipur@cioins.co.in Tel.: 022 - 26106552 / 26106960
Fax: 022 - 26106052
ERNAKULAM Kerala, Lakshadweep, Mahe-a part of Email: bimalokpal.mumbai@cioins.co.in
Office of the Insurance Ombudsman, Union Territory of Puducherry.
2nd Floor, Pulinat Bldg., NOIDA State of Uttaranchal and the following
Opp. Cochin Shipyard, M. G. Road, Office of the Insurance Ombudsman, Districts of Uttar Pradesh:
Ernakulam - 682 015. Bhagwan Sahai Palace Agra, Aligarh, Bagpat, Bareilly, Bijnor,
4th Floor, Main Road, Budaun, Bulandshehar, Etah, Kanooj,
Tel.: 0484 - 2358759 / 2359338 Mainpuri, Mathura, Meerut, Moradabad,
Fax: 0484 - 2359336 Naya Bans, Sector 15,
Muzaffarnagar, Oraiyya, Pilibhit, Etawah,
Email: bimalokpal.ernakulam@cioins.co.in Distt: Gautam Buddh Nagar, Farrukhabad, Firozbad,
U.P-201301. Gautambodhanagar, Ghaziabad, Hardoi,
KOLKATA West Bengal, Sikkim, Andaman & Nicobar Tel.: 0120-2514252 / 2514253 Shahjahanpur, Hapur, Shamli, Rampur,
Office of the Insurance Ombudsman, Islands. Email: bimalokpal.noida@cioins.co.in Kashganj, Sambhal, Amroha, Hathras,
Hindustan Bldg. Annexe, 4th Floor, Kanshiramnagar, Saharanpur.
4, C.R. Avenue,
PATNA Bihar, Jharkhand.
KOLKATA - 700 072.
Office of the Insurance Ombudsman,
Tel.: 033 - 22124339 / 22124340
1st Floor, Kalpana Arcade Building,,
Fax : 033 - 22124341
Bazar Samiti Road, Bahadurpur,
Email: bimalokpal.kolkata@cioins.co.in
Patna 800 006.
LUCKNOW Districts of Uttar Pradesh : Tel.: 0612-2680952
Office of the Insurance Ombudsman, Lalitpur, Jhansi, Mahoba, Hamirpur, Email: bimalokpal.patna@cioins.co.in
6th Floor, Jeevan Bhawan, Phase-II, Banda, Chitrakoot, Allahabad, Mirzapur,
Nawal Kishore Road, Hazratganj, Sonbhabdra, Fatehpur, Pratapgarh, PUNE Maharashtra, Area of Navi Mumbai and
Jaunpur,Varanasi, Gazipur, Jalaun, Office of the Insurance Ombudsman, Thane excluding Mumbai Metropolitan
Lucknow - 226 001. Region.
Kanpur, Lucknow, Unnao, Sitapur, Jeevan Darshan Bldg., 3rd Floor,
Tel.: 0522 - 2231330 / 2231331 Lakhimpur, Bahraich, Barabanki,
Fax: 0522 - 2231310 C.T.S. No.s. 195 to 198,
Raebareli, Sravasti, Gonda, Faizabad,
Email: bimalokpal.lucknow@cioins.co.in Amethi, Kaushambi, Balrampur, Basti, N.C. Kelkar Road, Narayan Peth,
Ambedkarnagar, Sultanpur, Maharajgang, Pune - 411 030.
Santkabirnagar, Azamgarh, Kushinagar, Tel.: 020 - 41312555
Gorkhpur, Deoria, Mau, Ghazipur, Email: bimalokpal.pune@cioins.co.in
Chandauli, Ballia, Sidharathnagar.

Clause L. Information about Us

Address: ICICI Lombard General Insurance Company Limited
ICICI Lombard House, 414, Veer Savarkar Marg,
Near SiddhiVinayak Temple, Prabhadevi, Mumbai 400 025.
Web: ww.icicilombard.com. • E-mail customersupport@icicilombard.com •Customer Service: 18002666

UIN ICITIDP22087V032122 8 CIN : L67200MH2000PLC129408

COMPLETE HOME PROTECT POLICY

Standard Special Clause 11. 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,
Agreed Bank Clause
12. Loss or damage caused by factors including but not limited to cessation, fluctuation or variation in,
If You have mortgaged, hypothecated or created any security over Your Home or any of its Contents in or insufficiency of, water, gas or electricity supplies and telecommunications or any type of
favour of a Bank, and the Bank has an interest in the Policy, the name of such Bank will also be shown in service;
the Policy Schedule under the title ‘Agreed Bank Clause’. If You choose to add the name of such Bank at
any time during the Policy Period, this will be shown as an Endorsement. 13. Loss or increased cost as a result of threat or hoax;
14. Loss or damage caused by or arising out of burglary, house -breaking, looting, theft, larceny or any
Under this Clause You agree as follows: such attempt or any omission of any kind of any person (whether or not such act is committed in
i. We shall pay to the Bank the entire amount that We are liable to pay under this Policy. Such Bank the course of a disturbance of public peace) in any action taken in respect of an act of terrorism
will receive it for its own demand, and as agent for any other person interested in the amount. 15. Loss or damage caused by mysterious disappearance or unexplained loss:
ii. When We pay the amount to the Bank, Our liability under this Policy will be discharged, and will be 16. Loss or damage directly or indirectly caused by mould, mildew, fungus, spores or other micro-
binding on all of You and all persons named as the insured. organism of any type, nature or description, including but not limited to any substance whose
presence poses an actual or potential threat to human health
iii. Any notice or communication We make to the Bank under the provisions of this Policy shall be
sufficient notice or communication to You. 17. Total or partial cessation of work or the retardation or interruption or cessation of any process or
operations or omissions of any kind.
iv. Any settlement or compromise that We make with the Bank will be binding on You and all persons
named as the insured. However, such settlement or compromise will not affect the rights of the LIMIT OF INDEMNITY
Bank to recover any amount from You or any other person. The limit of indemnity under this cover shall not exceed the Total Sum Insured given in the Policy
Schedule or INR 20,000,000,000 per compound/Location whichever is lower.
v. If You make any change in the use of Your Home or sell or transfer the Insured Property, such
actions will not prejudice the interest of the Bank under the Policy and this clause, unless the In respect of several locations being covered under a single policy on a floater basis, the maximum
condition has been broken by the Bank or its employees. aggregate loss suffered from all the locations mentioned in the Policy schedule shall not exceed Total
Sum Insured as mentioned in the Policy Schedule or Rs. 20,000,000,000/- whichever is lower
vi. If You commit any act or omission that will increase the risk, the insurance cover will not be
In respect of several insurance policies within the same compound/location with one or different
invalidated. However, the Bank shall notify Us of any change or ownership, or alterations and
insurers, the maximum aggregate loss payable per compound/location by any one or all insurers shall
increase in risks as soon they become known to the Bank, and shall pay additional premium from
be INR 20,000,000,000. It the actual aggregate loss suffered at one compound/location is more than
the time of such change.
INR 20,000,000,000 the amounts payable towards individual policies shall be reduced in proportion to
vii. When We pay the amount to the Bank, We will become legally and automatically subrogated to all the sum insured of the policies.
rights of the Bank to the extent of such payment. This will not impair or prejudice the rights of the Excess*:
Bank to recover any amount from You or any other person.
Nature of Risk Deductible Minimum Limit Maximum Limit
N.B: The Bank shall mean the first named Financial Institution/Bank named in the policy (as a % of claim/ loss amount)
Shops & Residential 1% of claim amount INR 10,000/- INR 500,000/-
Terrorism Damage Cover Endorsement (Material Damage only)
Non - Industrial 1% of claim amount INR 25,000/- INR 1,000,000/-
INSURING CLAUSE
Industrial 5% of claim amount INR 100,000/- INR 2,500,000/-
Subject otherwise to the terms, exclusions, provisions and conditions contained in the Policy and in
consideration of the payment by the Insured to the Company of additional premium as stated in the *Whichever is applicable ADD ON COVERS
Schedule, it is hereby agreed and declared that notwithstanding anything stated in the 'Terrorism Risk It is further declared and agreed that the limit of indemnity including the claim on add on cover(s) shall
Exclusion" of this Policy to the contrary, this Policy is extended to cover physical loss or physical not exceed total sum insured plus separate sublimit opted for add on cover(s) or INR 20,000,000,000
damage occurring during the period of this Policy caused by an act of terrorism, subject to the whichever is lower. In respect of several insurance policies with in the same compound location or
exclusions, limits and excess described hereinafter. affected in the single event, the maximum aggregate loss payable per compound/location and or arising
For the purpose of this cover, an act of terrorism means an act or series of acts, including but not limited out of single event by any one or all insurers shall be INR 20,000,000,000.
to the use of force or violence and/or the threat thereof, of any person or group(s) of persons, whether MID TERM COVER
acting alone or on behalf of or in connection with any organization(s) or government(s), or unlawful
associations, recognized under Unlawful Activities (Prevention) Amendment Act, 2008 or any other In case the coverage under this endorsement is granted during the currency of the policy, no claims will
related and applicable national or state legislation formulated to combat unlawful and terrorist activities he payable for loss or damage to property caused by an act of terrorism occurring during the first 15
in the nation for the time being in force, committed for political, religious, ideological or similar purposes (fifteen) days from the date of granting such cover.
including the intention to influence any government and/or to put the public or any section of the public in SANCTION, LIMITATION AND EXCLUSION CLAUSE
fear for such purposes.
This cover also includes loss, damage, cost or expense directly caused by, resulting from or in connection No (re)insurer shall be deemed to provide cover and no (re)insurer shall be liable to pay any claim or
with any action taken in suppressing, controlling, preventing or minimizing the consequences of an act of provide any benefit hereunder to the extent that the provision of such cover, payment of such claim or
terrorism by the duly empowered government or Military Authority. provision of such benefit would expose that (re)insurer to any sanction, prohibition or restriction under
United Nations resolutions or the trade or economic sanctions, laws or regulations of the European
Provided that if the Insured is eligible for indemnity under any government compensation plan or other Union, United Kingdom or United States of America.
similar scheme in respect of the damage described above, this Policy shall be excess of any recovery
due from such plan or scheme. CANCELLATION CLAUSE
For the purpose of the aforesaid inclusion clause, "Military Authority" shall mean armed forces, para Notwithstanding the cancellation provisions relating to the basic insurance policy on which this
military forces, police or any other authority constituted by the government for maintaining law and endorsement is issued, there shall be no refund of premium allowed for cancellation of the Terrorism risk
order. insurance during the period of insurance except where such cancellation is done along with the
LOSSES EXCLUDED cancellation of the basic insurance. Where a policy is cancelled and rewritten mid-term purely for the
purpose of coinciding with the accounting year of the insured, pro-rate refund of the cancelled policy
This cover shall not indemnify loss of or damage to property caused by any or all of the following :- premium will be allowed.
1. Loss by seizure or legal or illegal occupation;
If the cancellation is for any other purpose, refund of premium will only be allowed after charging short
2. Loss or damage caused by: term scale rates.
a. Voluntary abandonment or vacation,
Note: The definitions, terms and conditions of main Policy save as modified or endorsed herein shall
b. Confiscation, commandeering, nationalisation, requisition, detention, embargo, quarantine, apply.
or any result of any order of public or government authority, which deprives the Insured of the
use or value of its property; Section 2: Additional Living Expense
3. Loss or damage arising from acts of contraband or illegal transportation or illegal trade; We will pay You, subject to the Sum Insured and maximum indemnity period as specifically mentioned in
4. Loss or damage directly or indirectly arising from or in consequence of the seepage and or the Schedule, the additional living expenses as under in the event of the home building getting damaged
discharge of pollutants or contaminants, which pollutants and contaminants shall include but not or destroyed on account of an Accident during the Policy Period and becoming unfit for occupation.
be limited to any solid, liquid, gaseous or thermal irritant, contaminant or toxic or hazardous Provided that, You shall submit Us the certificate from the local municipal / statutory authority that the
substance or any substance the presence, existence or release of which endangers or threatens home building has been rendered unfit for occupation
to endanger the health, safety or welfare of persons or the environment;
a) Boarding expense for pets- We will pay for the expenses, actually, reasonably incurred by You to
5. Loss or damage arising directly or indirectly from or in consequence of chemical or biological board the pets in an alternate accommodation if the pets are not permitted to stay with You under
emission, release, discharge, dispersal or escape or chemical or biological exposure of any kind; the terms of tenancy in Your temporary alternate accommodation. Provided further that Our
6. Loss or damage arising directly or indirectly from or in consequence of asbestos emission, maximum liability per month shall be restricted to Rs. 30,000 or as specifically mentioned in the
release, discharge, dispersal or escape or asbestos exposure of any kind; Schedule
7. Any fine, levy, duty, interest or penalty or cost or compensation/damages and/or other b) Immediate Expenses- We will reimburse Your Family the expenses, actually, reasonably incurred
assessment which is incurred by the Insured or which is imposed by any court, government towards emergency clothing and toiletry items on account of inability to access the insured home
agency, public or civil authority or any other person; building after it is damaged or destroyed on account of Accident. Provided further that Our
8. Loss or damage by electronic means including but not limited to computer hacking or the maximum liability for Immediate Expenses shall be restricted to Rs. 50,000 or as specifically
introduction of any form of computer virus or corrupting or unauthorised instructions or code or the mentioned in Schedule
use of any electromagnetic weapon. This exclusion shall not operate to exclude losses (which c) Cost of hiring household goods- We will reimburse the cost reasonably incurred by You towards
would otherwise be covered under this Policy) arising from the use of any computer, computer hiring essential furniture and household goods required in the alternative accommodation to
system or computer software programme or any other electronic system in the launch and/or maintain Your usual standard of living on account of inability to access the insured home building
guidance system and/or firing mechanism of any weapon or missile; after it is damaged or destroyed by operation of insured perils and is rendered unfit for occupation.
9. Loss or damage caused by vandals or other persons acting maliciously or by way of protest or The cover under this extension shall terminate once the home building is rendered fit for
strikes, labour unrest, riots or civil occupation or on expiry of the maximum indemnity period as specifically stated in Schedule.
10. Loss or increased cost occasioned by any public or government or local or civil authority's Provided further that Our maximum liability per month shall be restricted to Rs. 50,000 or as
enforcement of any ordinance or law regulating the reconstruction, repair or demolition of any specifically mentioned in the Schedule.
property insured hereunder,

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COMPLETE HOME PROTECT POLICY

d) Expenses towards temporary resettlement- We will reimburse the expenses reasonably incurred 3. All such transits will be covered for a span of maximum 30 days only.
by You towards packing, unpacking and transportation of Your possessions/ Contents, from the
It is Your duty to provide prior written notice of the transit of Contents of the Dwelling insured being
home building, to the Dwelling to be occupied by You as an alternative accommodation within the
undertaken to Us, citing details of mode of conveyance, nature of packing, and other relevant details
city of the Dwelling. However, We shall not be liable to make any payment in respect of-
(including Lorry Receipt No./Airway Bill, etc. as may be applicable), prior to commencement of such
i) Loss or damage to the Contents while being packed, loaded, transported, unloaded and transit.
installed at the alternative accommodation.
We will however not pay for loss or damage solely attributable to insufficiency of packing.
ii) Any expenses incurred that are not supported by actual bills/ receipts/ cash memos.
Subject otherwise to the coverage, terms and conditions and the claims procedure as incorporated in
Subject otherwise to the coverage, terms and conditions and the claims procedure as incorporated in the Policy and endorsed hereon.
the Policy and endorsed hereon
Section 7: Loss of cash whilst in transit
Section 3: Mechanical and/ or electrical breakdown Cover
We will pay, subject to the limit per transit and the overall limit fo
By way of this cover, we will cover "Mechanical &/or electrical breakdown to any item" in the Section 1 -
r all transits during the Policy Period and Deductible for this cover as specified in the Schedule, for loss
"Contents", for Domestic Appliances and High Value Electronics which are part of the Contents in the
of money in coins and/or notes by reason of, Hold up, robbery or theft while such money is in Your
home building and specifically declared item wise with their individual values and incorporated in the
possession and is being conveyed by You to Your home building from Your bank(s) or ATM, as the case
Schedule.
may be.
For the purposes of this extension, Domestic appliances mean Air Conditioners, Television/s, Tape
Provided that, this loss should occur within 6 hours from the time of withdrawal of money from Bank/
recorders, Radios, Refrigerator/s, Washing Machine/s, Micro Wave Oven/s, Mixers/Grinders/Food
ATM. It is Your duty to inform the Police as soon as possible following the loss of money covered under
Processor/s, Oven/s , Cooking Range/s and such other house hold appliances whilst kept in the home
this cover and obtain a First Information Report.
building specifically declared and accepted by Us for insurance.
For the purpose of this extension, the term "Hold up" means when You are threatened by any weapon
For the purposes of this extension, High Value Electronics means Music System/s, DVD Players, Home
and there exists a possibility of actual physical harm to You.
Computer/s (including peripherals like Printer, PC Cameras, Speakers, and all equipment connected
and linked to the Home Computer) and Laptops, Home Theatre Systems and such other equipment Subject otherwise to the coverage, terms and conditions and the claims procedure as incorporated in
whilst kept in the home building specifically declared and accepted by Us for insurance. the Policy and endorsed hereon
However, We will not pay for- Section 8: Cover for specified articles
a) loss or damage for which the manufacturer or supplier of the appliance/equipment is responsible We will pay You, subject to the Sum Insured and Deductibles for this cover, for loss or damage on
whether by warranty or otherwise. account of an Accident to the items with individual values as specifically mentioned in the Schedule,
whilst being carried as personal baggage outside the insured home building. We will however not pay
b) Loss or damage for appliance/ equipment which are older than 10 years as on the date of loss
for-
unless specifically accepted for coverage by Us and stated accordingly in the Schedule.
i) any mechanical &/or electrical breakdown of the insured items
c) Cost of transport of the damaged appliance / equipment to the repair shop and back to the
Dwelling. ii) loss or damage to items in personal baggage caused by or arising from the leakage, spilling or
explosion within such personal baggage .
Basis of indemnity:
Basis of indemnity:
It is a condition under the Policy that the appliances /equipment are declared for insurance for their
replacement value by similar new items. 1. For items other than Valuables and Fine Arts:
In case the affected appliance/equipment can be repaired We will pay the actual cost of repairs subject Where damage to an insured item can be repaired, We will pay the actual cost of repairs. If the cost
to Our maximum liability being the Sum Insured for the said appliance/equipment. If the cost of repairs of repairs exceeds the Market Value as on the date of loss, or if the item is totally damaged or
exceeds the Market Value of the appliance/equipment as on the date of loss or if the appliance/ destroyed, We will pay the Market Value of the item as on the date of the loss.
equipment item is totally damaged or destroyed We will pay its Market Value as on the date of the loss or
2. For Valuables:
Sum Insured of the affected appliance/equipment as specified in the Schedule, whichever is less
Subject otherwise to the coverage, terms and conditions and the claims procedure as incorporated in We will pay the Market Value of such items. Our liability in so far as it relates Valuables excluding
the Policy and endorsed hereon. precious stones shall be limited to Market Value of the metals only. We will however not pay for any
additional value in the form of expenses for making, decorating or any other incidental charges
Section 4: Garden Cover
incurred for Valuables thereon.
We will pay You, subject to Sum Insured and Deductible for this cover as mentioned in the Schedule, for
All declarations of Valuables of individual value over Rs. 50,000/-, and all precious stones
the loss or damage to the Lawn Belongings, trees, shrubs or plants, while in open and within the
irrespective of their value, must necessarily be accompanied by a Valuation certificate from a
boundaries of the Dwelling, arising during the Policy Period due to operation of perils insured.
professional valuer.
“Lawn Belongings” for the purpose of this cover shall mean furniture, swings, statues, fountain and
3. For Fine Arts: Where damage to an insured item is partial in nature and can be repaired, and the
machines & equipment used in the development and maintenance of the garden
insured item can be restored, We will pay the actual cost of repair/restoration. If the cost of
Exclusions: repair/restoration exceeds 75% of the agreed value, We will consider it as a case of total loss. In
case of total loss of fine arts, We will pay the Sum Insured as specified in the Schedule. All fine arts
We will not pay for-
of individual value above Rs. 25,000/-, must necessarily be accompanied by a Valuation
a) Loss or damage caused by animals, wildlife, birds, insects, vermin, fungus or frost. certificate from a professional valuer.
b) Natural decay of Trees, shrubs, plants or lawns 4. 'Pair& Set'- where any item insured consists of articles in pair or set, Our liability in respect thereof
shall not exceed the proportionate value of any particular part or parts which may be lost or
c) Mechanical and/or electrical breakdown to any item
damaged, without reference to any special value which such article or articles may have as part of
Subject otherwise to the coverage, terms and conditions and the claims procedure as incorporated in such pair or set.
the Policy and endorsed hereon
Subject otherwise to the coverage, terms and conditions and the claims procedure as incorporated in
Section 5: Home Contents- All Risk Cover the Policy and endorsed hereon
By way of this cover, the home Contents covered hereunder are covered against all loss or damage due Section 9: Personal Liability
to and resulting from an Accident subject, however, to the general exclusions as applicable under the
We will reimburse You, subject to the limits of liability for this cover, those sums that You become legally
Policy.
liable to pay, including litigation expenses (if incurred with Our prior written consent), on account of/ due
Exclusions: (In addition to the general exclusions) to the following event as specified below, occurring in the home building:
1. Loss or damage to the Contents on account of- 1. Death or bodily injury to any person other than You or Your Family or Your resident employees/
domestic staff due to the Accident and
2. Mechanical and/or electrical breakdown to any item;
2. Damage to property of any person other than You or Your Family or Your resident employees/
3. Loss of Valuables on account of theft, unless specifically covered
domestic staff due to the Accident.
4. Loss or damage to the Content on account of-
The above referred liability shall be limited to the Sum Insured for any one Accident or series of
4.1 Its own fermentation; Accidents arising from any one event or cause, and for all Accidents during the Policy Period.
4.2 Breakage, cracking or scratching of Crockery, Mobiles, Cameras, Binoculars, Sculptures, Subject otherwise to the coverage, terms and conditions and the claims procedure as incorporated in
Curios, Paintings, works of art, Musical instruments, Toys, Sports gear, items of glassware the Policy and endorsed hereon
unless specifically covered
Section 10: Theft cover for valuables
Subject otherwise to the coverage, exclusions, terms and conditions and the claims procedure as
By way of this cover, we will cover theft of valuable contents from home building.
incorporated in the Policy and endorsed hereon
Subject otherwise to the coverage, Deductible, terms and conditions and the claims procedure as
Section 6: Loss of Contents Whilst in Transit
incorporated in the Policy and endorsed hereon
We will pay, subject to the Sum Insured and Deductible for this cover, for loss of, or damage to the
Additional Benefits under the Policy:
Contents of the home building whilst in transit from the home building to any new accommodation
within India during transit by air, rail or road on account of an Accident. This cover shall be valid up to 1. Pest control
such time as the insured property reaches the alternative accommodation, including customary
We at Your request will provide You the pest control services from Our authorized service provider,
transhipment, if any.
once after every three years of continuous engagement with Us, subject to a limit as specified in
Provided that, Schedule.
1. The transit should commence within the Policy Period. For instance, if a customer purchases annual policy from us in the year 2021, on completion of 3
consecutive years i.e. in the year 2024, the customer will become eligible for this service. Likewise
2. Coverage does not attach for more than three transits to more than one new accommodation
in case the customer purchases long term policies, once every 3 completed years with us, the
during the Policy Period.

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COMPLETE HOME PROTECT POLICY

customer will become eligible for this service. On the request of the customer, we will provide the a. Destruction of Your Home Building: This Policy will automatically end 7 (seven) days
customer one time pest control from our authorized service provider. The customer need not to after Your Home Building collapses or is destroyed by reason other than any Insured Event.
pay anything to the service provider or to us for this service. If a separable part of Your Home Building, or any additional structure falls down or is
destroyed by reason other than any Insured Event, the covers will end for such part or
2. Fire Hazard / Electrical Hazard Inspection/ Structural Stability Inspection We at Your request will
additional structure.
provide You in availing the benefit Fire Hazard Inspection or Electrical Hazard Inspection or
Structural Stability Inspection services from Our authorized service provider, once after every 5 You can apply within 7 (seven) days of such fall or destruction for continuing insurance
years of continuous engagement with Us during the Policy Period, subject to a limit as specified in cover. We may agree, but will not be bound, to continue the cover on the same rates, terms
Schedule. and conditions.
For instance, For instance, if a customer purchases annual policy from us in the year 2021, on b. Exhaustion of Sum Insured: If Your Home Building, or any additional structure, or any item
completion of 5 consecutive years i.e in the year 2026, the customer will become eligible for this service. of Home Contents, is lost, destroyed or stolen, or is a Total Loss, and We pay You the full
Likewise for long term policies, once every 5 completed years with us, the customer will become eligible Sum Insured for such item, the insurance cover for that item will automatically end unless
for this service. On the request of the customer, we will provide the customer one time service from our the subject matter of insurance is reconstructed and the Sum Insured is reinstated by paying
authorized service provider. The customer need not to pay anything to the service provider or to us for additional premium. If We pay the total Sum Insured for any claim, this Policy will end.
this service. c. Change of use of Your Home Building or Home Contents: The Policy will end
PART III OF THE POLICY i. if You change the use of Your Home Building from personal residence to any other
purpose, or
Standard Terms and Conditions
ii. if You use any item of Home Contents for use that is not personal.
Conditions:
d. Sale of Your Home Building or Home Contents: This Policy will end when You sell,
(I) Your Obligations surrender or release Your interest in Your Home Building and/or Home Contents, or Your
1. Make true and full disclosure in the proposal and related documents interest in the Home Building and/or Home Contents comes to an end. The Policy will end to
a. You have a duty of disclosure to tell Us everything You know, or could reasonably be the extent any additional structure of Your Home Building or item of Home Contents if You
expected to know, that is relevant to Us for deciding whether to give You insurance sell, surrender or release Your interest in such additional structure or item of Home Content,
cover and on what terms. You owe this duty to disclose such relevant material or Your interest in these ends.
information even if We have not specifically asked for it. This duty extends to any e. Effect of death
information or declaration given by anyone else on Your behalf. In the event of the unfortunate death of the Insured during the Policy Period, the Home
b. We have agreed to give You insurance cover entirely on the basis of the information Building Cover and the Home Contents Cover that You have purchased will continue for the
You, or anyone on Your behalf, have given Us in the proposal, statements and other benefit of Your legal representative/s during the Policy Period subject to all the terms and
declarations and documents (in writing or electronic) about Yourself, Your family, Your conditions of this Policy.
Home Building and Home Contents. The correct and complete information You give is (IV) Claims Procedure
the basis of Our contract with You. Our promise to pay is conditional upon the truth of
these statements and on the assumption that You, or anyone on Your behalf, has not If You suffer a loss because of an Insured Event, You must make a claim for Your financial loss at
withheld any material information about Yourself, Your family, Your Home Building and Your cost. The procedure for making a claim is given below. These include things that You must
Home Contents. do, and that You must not do. It is important to comply with these to ensure that it does not
prejudice Your claim in any manner.
2. Obligation to take care : You must:
1. Immediate notice to Us
c. keep Your Home Building and Home Contents in good condition and well maintained,
You must ensure that the structure of Your Home Building does not have any faults or d. As soon as any physical loss or damage occurs to Your Home Building or Home
defects that are visible and material that will aggravate loss or damage to the Home Contents due to an Insured Event, You must immediately give notice to Us of the loss
Building in the event an insured peril occurs. or damage. This is necessary for Us to survey/ investigate the loss or damage, as may
be required.
d. take care to prevent theft, loss or damage to Your Home Building and Home Contents,
and e. You can give notice to any of Our offices or call-centres.
e. ensure that unauthorized persons do not occupy Your Home Building. f. You must state in this notice
3. Inform change in circumstances : You must inform Us immediately if i. the Policy Number,
f. You change Your address, ii. Your name,
g. You make any addition, alteration, extension to the structure of Your Home Building, iii. details of report to the police that You made,
h. You let out Your Home Building, or Your Home Building will no longer be solely iv. details of report to any Authority that You made,
occupied by You, v. details of the Insured Event,
i. You change the use of Your Home Building. vi. a brief statement of the loss,
4. Allow inspection and investigation of claim: You must allow, and give full cooperation to vii. particulars of any other insurance of Your Home Building or any of Your Home
the survey/investigation of Your claim by Us. You must allow Us, and any surveyor, officer or Contents,
other representative that We authorise, to inspect Your Home Building and Home Contents viii. details of loss or damage under any Optional Cover or Add-ons,
including the interior wherever necessary, take photographs and where required, permit the
scientific testing and investigation of any insured article affected by the insured peril. You ix. submit photographs of loss or physical damage, wherever possible.
must answer all questions asked regarding Your claim truthfully and completely, and submit 2. Steps to prevent loss and damage
all relevant documents that We will require. a. You must take all reasonable steps to prevent further loss or damage to Your Home Building
5. Make true statements and full disclosure in the claim and related documents You must and Home Contents.
also give true and full information in Your claim and submit true documents. If You give any b. Until We have inspected Your Home Building and Home Contents, and have given Our
false information or document in the claim, or if You withhold any information or document consent,
(written or electronic), We have a right to refuse payment of Your claim. We may also cancel
i. You must not sell, give away or dispose of any damaged items of any property for
Your policy.
which You are making a claim;
(II) Renewal of Policy
ii. You must not wash or clean, or remove any damaged item or debris, except for any
1. End of Policy: This Policy will expire at the end of the Policy Period. urgent necessity;
2. Renewal is not automatic, We may seek relevant information from You for the purpose of iii. You must not carry out repairs, unless such repairs are urgent and You cannot contact Us.
renewal. We can reject Your renewal only on grounds of mis- representation, non-
3. Immediate notice to Authorities
disclosure of material facts, fraud or non-co-operation on Your part.
a. As soon as any loss or damage occurs to the Insured Property, You must give immediate
3. Application for renewal: If You wish to renew the Policy, You must apply for renewal before
report to appropriate legal authorities. For example, You must report to the fire brigade of the
the end of the Policy Period and pay the required premium amount.
local authority and the police if there is damage by fire/ explosion / implosion or lightning. In
(III) Cancellation and Termination of Policy case of subsidence /landslide/rockslide, You must inform the District Administration. In the
1. Cancellation by You at any Time event of impact damage of any kind or Riot Strikes, Malicious damages and acts of
terrorism, You must inform the police. If there is a theft within 7 (seven) days following an
f. You can cancel this Policy at any time by giving Us notice in writing. The Policy will
Insured Event You must inform the police.
terminate when We receive Your notice.
b. We may, but not necessarily, waive this condition if We are satisfied that by reason of
g. If You cancel the policy, We will refund premium as follows:
extreme hardship it was not possible for You or any other person on Your behalf to give such
Time for which Policy in force Refund of premium report.
Period for which policy is in force Policy Premium - (Pro-Rata + 10%) 4. Submit claim
4. Cancellation by Us: a. Claim form:
a. We will not cancel the Policy during the policy period except on the grounds of mis- i. You must submit Your claim in Our claim form at the earliest opportunity, but within 30
representation, non-disclosure of material facts, fraud or non-co- operation on Your days from the date You first notice the loss or damage. The claim form is available in
part. any of Our branches, and on Our web-site.
b. In case of Total Loss of Your Home Building in a long term policy where You have ii. You must state in Your claim the details of any other insurance policy that covers the
decided not to reinstate Your Home Building in favour of a cash settlement of Your damage or loss for which You have filed Your claim, whether You have purchased such
claim, We will cancel the policy for the remaining duration of the policy period. In such a other insurance, or someone else has purchased it for You.
case We shall refund the proportionate premium for the un-expired policy years after
b. We shall not be liable for any loss or damage after the expiry of 12 months from the
grossing up the premium paid by You towards long term discount, if any.
happening of the loss or damage unless the claim is the subject of pending action or
5. Automatic termination of the Policy arbitration. If We disclaim liability for a claim You have made and if the claim is not
This Policy will automatically end in the following cases: made a subject matter of a suit in a court of law within a period of 12 months from the
date of disclaimer, the claim shall not be recoverable hereunder.

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COMPLETE HOME PROTECT POLICY

5. Establish loss Grievances:

a. You must prove that the Insured Event has occurred, and the extent of physical loss or If You have a grievance about any matter relating to the Policy, or Our decision on any matter, or
damage You have suffered with full details. the claim, You can address Your grievance as follows:
b. When We request, 1. Our Grievance Redressal Officer
i. You must support Your claim for Home Building and/or Home Contents with plans, You can send Your grievance in writing by post or email to Our Grievance Redressal Officer
specification books, vouchers, invoices pertaining to costs incurred by You for at the following address:
reconstruction/replacement/repairs. Address: Grievance Redressal Officer
ii. You must allow Us, Our officers, surveyors or representatives to inspect the loss or ICICI Lombard General Insurance Company Limited
damage to Your Home Building and/or Home Contents, and to take measurements, ICICI Lombard House, 414, Veer Savarkar Marg,
samples, damaged items or parts, and photographs that are relevant. Near SiddhiVinayak Temple, Prabhadevi,
iii. You must give Us authority to see the relevant records and get information about the Mumbai 400025 Email: customersupport@icicilombard.com
Event and Your loss from the police or any other authority. Customer Service: 18002666
c. For Optional Cover of Personal Accident, Death Certificate and Post Mortem report 2. Consumer Affairs Department of IRDAI
(wherever necessary) shall be submitted. a. In case it is not resolved within 15 days or if You are unhappy with the resolution You
6. Fraudulent claim can approach the Grievance Redressal Cell of the Consumer Affairs Department of
If You, or anyone on Your behalf, make a false or fraudulent claim , or support a claim with any false IRDAI by calling Toll Free Number 155255 (or) 1800 4254 732 or sending an e-mail to
or fraudulent statement or documents: complaints@ir dai.gov. in. You can also make use of IRDAI's online portal - Integrated
Grievance Management System (IGMS) by registering Your complaint at igms.irda.gov.in.
iii. We will not pay,
b. You can send a letter to IRDAI with Your complaint on a Complaint Registration Form
iv. We can cancel the Policy: in such a case, You will lose all benefits under this Policy and available by clicking here. You must fill and send the Complaint Registration Form
premium that You have paid, and along with any documents by post or courier to General Manager, Insurance
v. We can also inform the police, and start legal proceedings against You. Regulatory and Development Authority of India (IRDAI), Consumer Affairs
7. Other insurance Department - Grievance Redressal Cell, Sy. No.115/1, Financial District,
Nanakramguda, Gachibowli, Hyderabad- 500032.
a. If You have any other policy with Us or any other Insurance Company (taken by You or by
anyone else for You) covering in whole or in part any claim that You have made under this c. You can visit the portal http:// www.policyholder .gov.in for more details.
Policy, You have a right to ask for settlement of Your claim under any of these policies. 3. Insurance Ombudsman
b. If You choose to claim under this Policy from Us, We will settle Your claim within the limits You can approach the Insurance Ombudsman depending on the nature of grievance and financial
and the terms and conditions of this Policy. implication, if any. Information about Insurance Ombudsmen, their jurisdiction and powers is
c. After We pay the amount under Your claim, We have the right to ask for contribution from the available on the website of the Insurance Regulatory and Development Authority of India (IRDAI)
Insurers that have given You the other policies. at www.irdai.gov.in, or of the General Insurance Council at www.generalinsurancecouncil.org.in,
the Consumer Education Website of the IRDAI at http://www.policyholder.gov.in, or from any of
d. We will ensure that Our actions do not impose any liability on You.
Our Offices.
8. Recovery action by Us
The details of Insurance Ombudsman are available below :-
a. When We accept and pay Your claim under the Policy, We can start legal proceedings to
recover the amount or property from the third party who has caused the loss or damage to Office of the Insurance Ombudsman Areas of Jurisdiction
Your Home Building or Home Contents. You must give authority to Us to take such action
and exercise this right effectively, when We request You, whether before or after making AHMEDABAD Gujarat,
payment of Your claim. You must give all information, cooperation, assistance and help for Office of the Insurance Ombudsman, Dadra & Nagar Haveli,
this purpose. You must not do anything which will prejudice Our right. We can do this Jeevan Prakash Building, 6th Floor, Tilak Marg, Daman and Diu.
i. without seeking Your consent, Relief Road, Ahmedabad - 380 001.
Tel.: 079 - 25501201/02/05/06
ii. in Your name, and
Email: bimalokpal.ahmedabad@cioins.co.in
iii. whether or not Your loss has been fully compensated.
b. Any amount We recover from such person will be applied first to the costs of the legal BENGALURU Karnataka
proceedings and recovery, then to the claim amount We have paid or must pay to You. We Office of the Insurance Ombudsman,
will pay You any balance. Jeevan Soudha Building, PID No. 57-27-N-19
c. You can start legal proceedings against any person who has caused the loss or damage Ground Floor, 19/19, 24th Main Road,
only with Our prior consent, and on conditions that We will impose. You must not JP Nagar, Ist Phase, Bengaluru - 560 078.
compromise or settle any claim against such person without Our consent. If You recover any Tel.: 080 - 26652048 / 26652049
amount from such person, You must return to Us the amount We have paid for Your claim. Email: bimalokpal.bengaluru@cioins.co.in
We can take over the conduct of legal proceedings that You have started and continue the
proceedings in Your name. BHOPAL Madhya Pradesh and Chattisgarh.
Office of the Insurance Ombudsman,
Changes to covers:
Janak Vihar Complex, 2nd Floor,
a. You can choose to make changes to the covers of this Policy as may be permitted by Us, or
6, Malviya Nagar, Opp. Airtel Office,
increase or reduce any Sum Insured. You must make a proposal or request for any change.
Near New Market, Bhopal - 462 003.
It will be effective only after We have accepted Your proposal, and You have paid the
additional premium, where applicable. Tel.: 0755 - 2769201 / 2769202
Fax: 0755 - 2769203
b. This Policy (including the Policy Schedule, the proposal, declarations and Endorsements)
consists of the entire contract between You and Us. Email: bimalokpal.bhopal@cioins.co.in
Waiver of Under insurance: BHUBANESHWAR Orissa.
Under insurance does not apply to the Complete Home Protect Policy. Thus, if Your Sum Insured Office of the Insurance Ombudsman,
calculated on the basis of the information that You provided, is less than the actual value at risk, the 62, Forest Park, Bhubneshwar - 751 009.
difference will not affect the amount We pay. Tel.: 0674 - 2596461 /2596455
Other Details: Fax: 0674 - 2596429
Email: bimalokpal.bhubaneswar@cioins.co.in
1. Notices
a. We will send any notice, letter or communication in writing to You at Your address mentioned CHANDIGARH Punjab, Haryana (excluding Gurugram,
in the Policy Schedule, and to Your email address that You have registered with Us. Office of the Insurance Ombudsman, Faridabad, Sonepat and Bahadurgarh)
b. You will send any notice, letter, intimation or communication in writing to Us at Our branch S.C.O. No. 101, 102 & 103, 2nd Floor, Himachal Pradesh, Union Territories of
office where You purchased this Policy. You can also send it at the address mentioned in the Batra Building, Sector 17 - D, Jammu & Kashmir,
Policy Schedule. Chandigarh - 160 017. Ladakh & Chandigarh.
2. Nomination for this Policy Tel.: 0172 - 2706196 / 2706468
You can nominate a person to receive the claim amount under this Policy in the event of Your Fax: 0172 - 2708274
death. You can make such nomination at the time You take the Policy, or later. You can also Email: bimalokpal.chandigarh@cioins.co.in
change the nomination at any time. You can make the nomination on Our nomination form
available in Our office or from Our website: CHENNAI Tamil Nadu, Tamil Nadu ,
Office of the Insurance Ombudsman, PuducherryTown and
……………... Karaikal (which are part of Puducherry).
Fatima Akhtar Court, 4th Floor, 453,
3. Applicable law and jurisdiction Anna Salai, Teynampet, CHENNAI - 600 018.
This Policy will be subject to the laws of India, and to the jurisdiction of courts in India. Tel.: 044 - 24333668 / 24335284
4. Arbitration Fax: 044 - 24333664
If any dispute or difference arises between You and Us regarding the amount of claim to be paid Email: bimalokpal.chennai@cioins.co.in
under this policy (liability having been admitted by Us), such difference shall independently of all
other questions, be referred to the decision of a sole arbitrator to be appointed in writing by You DELHI Delhi & Following Districts of Haryana -
and Us or if You and We cannot agree upon a single arbitrator within 30 days of either of Us opting Office of the Insurance Ombudsman, Gurugram, Faridabad, Sonepat &
for arbitration, the same shall be referred to a panel of three arbitrators comprising of two 2/2 A, Universal Insurance Building, Bahadurgarh.
arbitrators, one to be appointed by each of Us, to the dispute/difference and the third arbitrator to Asaf Ali Road, New Delhi - 110 002.
be appointed by two such arbitrators and arbitration shall be conducted under and in accordance Tel.: 011 - 23232481/23213504
with the provisions of the Arbitration and Conciliation Act, 1996. Email: bimalokpal.delhi@cioins.co.in

UIN: IRDAN115RP0013V01202122 12 CIN: L67200MH2000PLC129408

 COMPLETE HOME PROTECT POLICY
The details of Insurance Ombudsman are available below:-
Office of the Insurance Ombudsman Areas of Jurisdiction Office of the Insurance Ombudsman Areas of Jurisdiction
GUWAHATI Assam, Meghalaya, Manipur, Mizoram, MUMBAI Goa, Mumbai Metropolitan Region
Office of the Insurance Ombudsman, Arunachal Pradesh, Nagaland and Office of the Insurance Ombudsman, excluding Navi Mumbai & Thane.
Jeevan Nivesh, 5th Floor, Tripura. 3rd Floor, Jeevan Seva Annexe,
Nr. Panbazar over bridge, S. S. Road, S. V. Road, Santacruz (W),
Guwahati - 781001(ASSAM). Mumbai - 400 054.
Tel.: 0361 - 2632204 / 2602205 Tel.: 022 - 26106552 / 26106960
Email: bimalokpal.guwahati@cioins.co.in Fax: 022 - 26106052
Email: bimalokpal.mumbai@cioins.co.in
HYDERABAD Andhra Pradesh, Telangana, Yanam and
Office of the Insurance Ombudsman, part of Union Territory of Puducherry. NOIDA State of Uttaranchal and the following
6-2-46, 1st floor, "Moin Court", Office of the Insurance Ombudsman, Districts of Uttar Pradesh:
Lane Opp. Saleem Function Palace, Bhagwan Sahai Palace Agra, Aligarh, Bagpat, Bareilly, Bijnor,
4th Floor, Main Road, Budaun, Bulandshehar, Etah, Kanooj,
A. C. Guards, Lakdi-Ka-Pool, Mainpuri, Mathura, Meerut, Moradabad,
Hyderabad - 500 004. Naya Bans, Sector 15,
Muzaffarnagar, Oraiyya, Pilibhit, Etawah,
Tel.: 040 - 23312122 Distt: Gautam Buddh Nagar, Farrukhabad, Firozbad,
Fax: 040 - 23376599 U.P-201301. Gautambodhanagar, Ghaziabad, Hardoi,
Email: bimalokpal.hyderabad@cioins.co.in Tel.: 0120-2514252 / 2514253 Shahjahanpur, Hapur, Shamli, Rampur,
Email: bimalokpal.noida@cioins.co.in Kashganj, Sambhal, Amroha, Hathras,
JAIPUR Rajasthan Kanshiramnagar, Saharanpur.
Office of the Insurance Ombudsman,
PATNA Bihar, Jharkhand.
Jeevan Nidhi - II Bldg., Gr. Floor,
Office of the Insurance Ombudsman,
Bhawani Singh Marg, Jaipur - 302 005.
1st Floor, Kalpana Arcade Building,,
Tel.: 0141 - 2740363
Bazar Samiti Road, Bahadurpur,
Email: bimalokpal.jaipur@cioins.co.in
Patna 800 006.
Tel.: 0612-2680952
Email: bimalokpal.patna@cioins.co.in
PUNE Maharashtra, Area of Navi Mumbai and
Office of the Insurance Ombudsman, Thane excluding Mumbai Metropolitan
Jeevan Darshan Bldg., 3rd Floor, Region.
C.T.S. No.s. 195 to 198,
N.C. Kelkar Road, Narayan Peth,
Pune - 411 030.
KOLKATA West Bengal, Sikkim, Andaman & Nicobar Tel.: 020 - 41312555
Office of the Insurance Ombudsman, Islands. Email: bimalokpal.pune@cioins.co.in
Hindustan Bldg. Annexe, 4th Floor,
Information about Us:
4, C.R. Avenue,
Address: ICICI Lombard General Insurance Company Limited
KOLKATA - 700 072.
ICICI Lombard House, 414, Veer Savarkar Marg,
Tel.: 033 - 22124339 / 22124340
Near SiddhiVinayak Temple, Prabhadevi, Mumbai 400025
Fax : 033 - 22124341
Web: ww.icicilombard.com.
Email: bimalokpal.kolkata@cioins.co.in
E-mail : customersupport@icicilombard.com
LUCKNOW Districts of Uttar Pradesh : Customer Service: 18002666
Office of the Insurance Ombudsman, Lalitpur, Jhansi, Mahoba, Hamirpur,
6th Floor, Jeevan Bhawan, Phase-II, Banda, Chitrakoot, Allahabad, Mirzapur,
Nawal Kishore Road, Hazratganj, Sonbhabdra, Fatehpur, Pratapgarh,
Jaunpur,Varanasi, Gazipur, Jalaun,
Lucknow - 226 001.
Kanpur, Lucknow, Unnao, Sitapur,
Tel.: 0522 - 2231330 / 2231331 Lakhimpur, Bahraich, Barabanki,
Fax: 0522 - 2231310 Raebareli, Sravasti, Gonda, Faizabad,
Email: bimalokpal.lucknow@cioins.co.in Amethi, Kaushambi, Balrampur, Basti,
Ambedkarnagar, Sultanpur, Maharajgang,
Santkabirnagar, Azamgarh, Kushinagar,
Gorkhpur, Deoria, Mau, Ghazipur,
Chandauli, Ballia, Sidharathnagar.

UIN ICITIDP22087V032122 13 CIN : L67200MH2000PLC129408

COMPLETE HOME PROTECT POLICY

Standard Special Clause 8. Loss or damage by electronic means including but not limited to computer hacking or the
Agreed Bank Clause introduction of any form of computer virus or corrupting or unauthorised instructions or code or the
use of any electromagnetic weapon. This exclusion shall not operate to exclude losses (which
If You have mortgaged, hypothecated or created any security over Your Home or any of its Contents in would otherwise be covered under this Policy) arising from the use of any computer, computer
favour of a Bank, and the Bank has an interest in the Policy, the name of such Bank will also be shown in system or computer software programme or any other electronic system in the launch and/or
the Policy Schedule under the title ‘Agreed Bank Clause’. If You choose to add the name of such Bank at guidance system and/or firing mechanism of any weapon or missile;
any time during the Policy Period, this will be shown as an Endorsement.
9. Loss or damage caused by vandals or other persons acting maliciously or by way of protest or
Under this Clause You agree as follows: strikes, labour unrest, riots or civil
viii. We shall pay to the Bank the entire amount that We are liable to pay under this Policy. Such Bank 10. Loss or increased cost occasioned by any public or government or local or civil authority's
will receive it for its own demand, and as agent for any other person interested in the amount. enforcement of any ordinance or law regulating the reconstruction, repair or demolition of any
ix. When We pay the amount to the Bank, Our liability under this Policy will be discharged, and will be property insured hereunder,
binding on all of You and all persons named as the insured. 11. Any consequential loss or damage, loss of use, delay or loss of markets, loss of income,
x. Any notice or communication We make to the Bank under the provisions of this Policy shall be depreciation, reduction in functionality, or increased cost of working,
sufficient notice or communication to You. 12. Loss or damage caused by factors including but not limited to cessation, fluctuation or variation in,
xi. Any settlement or compromise that We make with the Bank will be binding on You and all persons or insufficiency of, water, gas or electricity supplies and telecommunications or any type of
named as the insured. However, such settlement or compromise will not affect the rights of the service;
Bank to recover any amount from You or any other person. 13. Loss or increased cost as a result of threat or hoax
xii. If You make any change in the use of Your Home or sell or transfer the Insured Property, such 14. Loss or damage caused by or arising out of burglary, house -breaking, looting, theft, larceny or any
actions will not prejudice the interest of the Bank under the Policy and this clause, unless the such attempt or any omission of any kind of any person (whether or not such act is committed in
condition has been broken by the Bank or its employees. the course of a disturbance of public peace) in any action taken in respect of an act of terrorism
xiii. If You commit any act or omission that will increase the risk, the insurance cover will not be 15. Loss or damage caused by mysterious disappearance or unexplained loss:
invalidated. However, the Bank shall notify Us of any change or ownership, or alterations and
increase in risks as soon they become known to the Bank, and shall pay additional premium from 16. Loss or damage directly or indirectly caused by mould, mildew, fungus, spores or other micro-
the time of such change. organism of any type, nature or description, including but not limited to any substance whose
presence poses an actual or potential threat to human health
xiv. When We pay the amount to the Bank, We will become legally and automatically subrogated to all
rights of the Bank to the extent of such payment. This will not impair or prejudice the rights of the 17. Total or partial cessation of work or the retardation or interruption or cessation of any process or
Bank to recover any amount from You or any other person. operations or omissions of any kind

N. C. B: The Bank shall mean the first named Financial Institution/Bank named in the policy LIMIT OF INDEMNITY

Terrorism Damage Cover Endorsement (Material Damage only) The limit of indemnity under this cover shall not exceed the Total Sum Insured given in the Policy
Schedule or INR 20,000,000,000 per compound/Location whichever is lower.
INSURING CLAUSE
In respect of several locations being covered under a single policy on a floater basis, the maximum
Subject otherwise to the terms, exclusions, provisions and conditions contained in the Policy and in aggregate loss suffered from all the locations mentioned in the Policy schedule shall not exceed Total
consideration of the payment by the Insured to the Company of additional premium as stated in the Sum Insured as mentioned in the Policy Schedule or Rs. 20,000,000,000/- whichever is lower
Schedule, it is hereby agreed and declared that notwithstanding anything stated in the 'Terrorism Risk
Exclusion" of this Policy to the contrary, this Policy is extended to cover physical loss or physical In respect of several insurance policies within the same compound/location with one or different
damage occurring during the period of this Policy caused by an act of terrorism, subject to the insurers, the maximum aggregate loss payable per compound/location by any one or all insurers shall
exclusions, limits and excess described hereinafter. be INR 20,000,000,000. It the actual aggregate loss suffered at one compound/location is more than
INR 20,000,000,000 the amounts payable towards individual policies shall be reduced in proportion to
For the purpose of this cover, an act of terrorism means an act or series of acts, including but not limited the sum insured of the policies.
to the use of force or violence and/or the threat thereof, of any person or group(s) of persons, whether
Excess*:
acting alone or on behalf of or in connection with any organization(s) or government(s), or unlawful
associations, recognized under Unlawful Activities (Prevention) Amendment Act, 2008 or any other Nature of Risk Deductible Minimum Limit Maximum Limit
related and applicable national or state legislation formulated to combat unlawful and terrorist activities (as a % of claim/ loss amount)
in the nation for the time being in force, committed for political, religious, ideological or similar purposes Shops & Residential 1% of claim amount INR 10,000/- INR 500,000/-
including the intention to influence any government and/or to put the public or any section of the public in Non - Industrial 1% of claim amount INR 25,000/- INR 1,000,000/-
fear for such purposes.
Industrial 5% of claim amount INR 100,000/- INR 2,500,000/-
This cover also includes loss, damage, cost or expense directly caused by, resulting from or in
connection with any action taken in suppressing, controlling, preventing or minimizing the *Whichever is applicable ADD ON COVERS
consequences of an act of terrorism by the duly empowered government or Military Authority. It is further declared and agreed that the limit of indemnity including the claim on add on cover(s) shall
Provided that if the Insured is eligible for indemnity under any government compensation plan or other not exceed total sum insured plus separate sublimit opted for add on cover(s) or INR 20,000,000,000
similar scheme in respect of the damage described above, this Policy shall be excess of any recovery whichever is lower. In respect of several insurance policies with in the same compound location or
due from such plan or scheme. affected in the single event, the maximum aggregate loss payable per compound/location and or arising
out of single event by any one or all insurers shall be INR 20,000,000,000
For the purpose of the aforesaid inclusion clause, "Military Authority" shall mean armed forces, para military
forces, police or any other authority constituted by the government for maintaining law and order. MID TERM COVER
LOSSES EXCLUDED In case the coverage under this endorsement is granted during the currency of the policy, no claims will
he payable for loss or damage to property caused by an act of terrorism occurring during the first 15
This cover shall not indemnify loss of or damage to property caused by any or all of the following:- (fifteen) days from the date of granting such cover.
1. Loss by seizure or legal or illegal occupation; SANCTION, LIMITATION AND EXCLUSION CLAUSE
2. Loss or damage caused by: No (re)insurer shall be deemed to provide cover and no (re)insurer shall be liable to pay any claim or
a. Voluntary abandonment or vacation, provide any benefit hereunder to the extent that the provision of such cover, payment of such claim or
provision of such benefit would expose that (re)insurer to any sanction, prohibition or restriction under
b. Confiscation, commandeering, nationalisation, requisition, detention, embargo, quarantine,
United Nations resolutions or the trade or economic sanctions, laws or regulations of the European
or any result of any order of public or government authority, which deprives the Insured of the
Union, United Kingdom or United States of America.
use or value of its property;
CANCELLATION CLAUSE
3. Loss or damage arising from acts of contraband or illegal transportation or illegal trade;
Notwithstanding the cancellation provisions relating to the basic insurance policy on which this
4. Loss or damage directly or indirectly arising from or in consequence of the seepage and or
endorsement is issued, there shall be no refund of premium allowed for cancellation of the Terrorism risk
discharge of pollutants or contaminants, which pollutants and contaminants shall include but not
insurance during the period of insurance except where such cancellation is done along with the
be limited to any solid, liquid, gaseous or thermal irritant, contaminant or toxic or hazardous
cancellation of the basic insurance. Where a policy is cancelled and rewritten mid-term purely for the
substance or any substance the presence, existence or release of which endangers or threatens
purpose of coinciding with the accounting year of the insured, pro-rate refund of the cancelled policy
to endanger the health, safety or welfare of persons or the environment;
premium will be allowed.
5. Loss or damage arising directly or indirectly from or in consequence of chemical or biological
If the cancellation is for any other purpose, refund of premium will only be allowed after charging short
emission, release, discharge, dispersal or escape or chemical or biological exposure of any kind;
term scale rates.
6. Loss or damage arising directly or indirectly from or in consequence of asbestos emission,
Note: The definitions, terms and conditions of main Policy save as modified or endorsed herein shall
release, discharge, dispersal or escape or asbestos exposure of any kind;
apply.
7. Any fine, levy, duty, interest or penalty or cost or compensation/damages and/or other
assessment which is incurred by the Insured or which is imposed by any court, government
agency, public or civil authority or any other person;

ICICI Lombard General Insurance Company Limited

Mailing Address: Interface Building No.: 16, 601 / 602, 6th Floor, New Link Road, Malad (West), Mumbai - 400 064.
Registered Office Address: ICICI Lombard House, 414, Veer Savarkar Marg, Near Siddhi Vinayak Temple, Prabhadevi, Mumbai 400 025.
Visit us at www.icicilombard.com• Mail us at customersupport@icicilombard.com Toll Free No.: 1800 2666 • Chargable No.: +91 8655 222 666
Insurance is the subject matter of solicitation. IRDA Reg. No. 115. CIN : L67200MH2000PLC129408

UIN: IRDAN115RP0013V01202122 14 CIN: L67200MH2000PLC129408