Bajaj Allianz General Insurance Company Limited

Bajaj Allianz House, 1st Floor Airport Road, Yerawada Pune 411006,
Reg. no. 113 CIN: U66010PN2000PLC015329
UIN : IRDAN113RP0005V01200102
Issuing Office
CONTRACTORS' ALL RISKS INSURANCE
Policy Wordings

IN WHEREAS the insured named in the schedule hereto had made to BAJAJ ALLIANZ GENERAL INSURANCE
COMPANY LIMITED (hereinafter called "the Company") a written proposal by completing a proposal form which
together with any other statements made in writing by the Insured for the purpose of this policy, is deemed to be
incorporated hereto.
NOW THIS POLICY OF INSURANCE WITNESSETH that subject to and in consideration of the Insured having paid to
the Company, the premium mentioned in the schedule and subject to the terms, exclusions, provisions and conditions
contained herein or endorsed hereon the Company will indemnify the Insured in the manner and to the extent hereinafter
provided.

GENERAL EXCLUSIONS
The Company will not indemnify the Insured in respect of loss, damage or liability directly or indirectly caused by
or arising out of or aggravated by -
a. War, Invasion, Act of foreign enemy, hostilities or War like operations (whether war be declared or not) Civil War,
rebellion, revolution, insurrection, mutiny, Civil commotion, Military or usurped power martial law, conspiracy,
confiscation, commandeering a group of malicious person or persons acting on behalf of or in connection
with any political organisation, requisition or destruction or damage by order of any Government de jure or
defacto or by any Public, Municipal or Local Authority;
b. Nuclear reaction, Nuclear radiation or Radioactive contamination;
c. Willful act or willful negligence of the Insured or of his responsible representative;
d. Cessation of work whether total or partial.
In any action, suit or other proceedings where the Company, allege that by reason of the provisions of Exclusion (a)
above any loss, destruction, damage or liability is not covered by this insurance, the burden of proving that such
loss, destruction, damage or liability is covered shall be upon the Insured.

PERIOD OF COVER
Construction Period -
The liability of the Company shall commence, (notwithstanding any date to the contrary specified in the Schedule) only
from the time of commencement of work after the unloading of the property specified in the schedule from any
conveyance at the site specified in the schedule whichever is earlier and shall expire on the date specified in the
schedule. However, the Company's liability expires also for parts of the insured contract works taken over or put into
service by the Principal prior to the expiry date specified in the policy whichever shall be earlier.
'If actual construction period is shorter than the period indicated in the schedule, no refund of premium shall be
allowed unless specifically allowed by Insurers.'

At the latest, the insurance shall expire on the date specified in the Schedule but if the work of construction included in
the insurance is not completed within the time specified hereunder, the Company may extend the period of insurance but
the Insured shall pay to the Company additional premium at rates to be prescribed by the Company.

GENERAL CONDITIONS
1. The due observance and fulfillment of the terms of this Policy in so far as they relate to anything to be done or
complied with by the Insured and the truth of the statement and answers in the questionnaire and proposal made
by the Insured shall be a condition precedent to any liability of the company.
2. The Schedule and the Section(s) shall be deemed to be incorporated in and form part of this Policy and
expression 'this Policy' wherever used in this contract shall be read as including the Schedule and the Section(s). Any
word or expression to which a specific meaning has been attached in any part of this Policy or of the Schedule or of
the Section(s) shall bear such meaning wherever it may appear.
3. The Insured shall at his own expense take all reasonable precautions and comply with all reasonable
recommendations of the Company to prevent loss, damage or liability and comply with statutory requirements
and manufacturers' recommendations.

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 a. Representatives of the Company shall at any reasonable time have the right to inspect and examine the risk
and the Insured shall provide the representatives of the Company with all details and information necessary
for the assessment of the risk.
b. The Insured shall immediately notify the Company in writing of any material change in the risk and
cause at his own expense such additional precautions to be taken as circumstances may require and the
scope of cover and/or premium shall, if necessary, be adjusted accordingly.
4. No material alteration shall be made or admitted by the Insured whereby the risk is increased unless the
continuance of the Insurance be confirmed in writing by the Company.
5. In the event of any occurrence, which might give rise to a claim under this Policy, the Insured shall
a. Immediately notify the Company by Telephone or in writing giving an indication as to the nature and
extent of loss or damage;
b. Take all steps within his power to minimise the extent of the loss or damage;
c. Preserve the parts affected and make them available for inspection by a representative or Surveyor
deputed by the company;
d. Furnish all such information and documentary evidence as the Company may require;
e. Inform the police authorities in case of loss or damage due to theft or burglary.
The Company shall not in any case be liable for loss, damage or liability of which no notice has been received by the
Company within 14 days of its occurrence.
Upon notification being given to the Company under this condition the Insured may carry out the repair or
replacement of any minor damage not exceeding Rs. 2,500/-. In all other cases a representative of the Company
shall have the opportunity of inspecting the loss or damage before any repairs or alterations are affected. If a
representative of the Company does not carry out the inspection within a period of time which could be
considered as adequate under the circumstances the Insured is entitled to proceed with the repairs or
replacement.
The liability of the Company under this Policy in respect of any item sustaining damage shall cease if said item
is not repaired properly without delay.
6. Claim Settlement Procedure (Not Applicable to any legal liability claim arising out of damage to the Property Insured)
a. In cases where a surveyor has to be appointed for assessing a loss/claim, the Company will do so
immediately, in any case within 72 hours of the receipt of intimation from the insured. The Company / surveyor
shall within 7 days of the claim intimation, inform the insured / claimant of the essential documents and other
requirements that the claimant should submit in support of the claim.
b. The surveyor shall submit his final report to the Company within 30 days of his appointment. In case of claims
made in respect of commercial and large risks the surveyor shall submit the final report to the Company within
90 days of his appointment.
c. On receipt of all required information/ documents that are relevant and necessary for the claim, the Company
shall, within a period of 30 days offer a settlement of the claim to the insured/claimant.
d. If the Company, for any reasons, decides to reject a claim under the policy, it shall do so within a period of 30
days from the receipt of last relevant and necessary document.
e. In the event the claim is not settled within 30 days as stipulated above, the insurer shall be liable to pay
interest at a rate, which is 2% above the bank rate from the date of receipt of last relevant and necessary
document from the insured/claimant by insurer till the date of actual payment.
7. The Insured shall at the expense of the Company do and concur in doing and permit to be done all such acts and
things as may be necessary or required by the Company in the interest of any rights or remedies, or of obtaining relief
or indemnity from parties (other than those Insured under this Policy) to which the Company shall be or would
become entitled or subrogated upon their paying for or making good any loss or damage under this Policy,
whether such acts and things shall be or become necessary or required before or after the Insured's
indemnification by the Company.
8. Dispute Resolution
(Applicable only in cases where this Policy is issued under Commercial Lines of Business)
"The Insurer and Insured may mutually agree and enter into a separate Arbitration Agreement to settle any and all
disputes in relation to this Policy. Arbitration shall be conducted under and in accordance with the provisions of the
Arbitration and Conciliation Act, 1996."

9. Note :
1. Wherever this Policy is issued under retail lines of business, Arbitration clause shall not
be applicable.
2. Arbitration clause shall not be applicable in case of Policies issued under commercial
lines of business where Insured has specifically consented for no arbitration clause and
no arbitration terms have been annexed to the Policy Schedule/Policy.

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10. If at the time any claim arises under this Policy there be any other insurance covering the same loss, damage or
liability the Company shall not be liable to pay or contribute more than their rateable proportion of any claim for such
loss, damage or liability.
11. This insurance may be terminated at the request of the Insured at any time in which case the Insurers will refund
appropriate premium amount subject to the following conditions -
i. Claims experience under the policy as on date of cancellation should be less than 60 % of reworked
premium.
ii. 'The unexpired period is not less than 3 months or 25 % of the policy period whichever is less'.
iii. Testing period should not have commenced.
This insurance may also at any time be terminated at the option of the Company by 15 days notice to that effect
being given to the Insured in which case the Companies shall be liable to repay on demand a rateable proportion
of the premium for the unexpired term from the date of cancellation. Under normal circumstances, Policy will not
be cancelled except for reasons of mis-representation, non-disclosure of material facts, fraud or non-cooperation of
the Insured.

SECTION I - MATERIAL DAMAGE

The Company hereby agrees with the Insured (subject to the exclusions and conditions contained herein or endorsed
hereon) that if, at any time during the period of insurance stated in the said Schedule, or during any further period of
extension thereof the property (except packing materials of any kind) or any part thereof described in the said Schedule
be lost, damaged or destroyed by any cause, other than those specifically excluded hereunder, in a manner
necessitating replacement or repair the Company will pay or make good all such loss or damage upto an amount not
exceeding in respect of each of the items specified in the Schedule the sum set opposite thereto and not exceeding
in the whole the total sum insured hereby.
The Company will also reimburse the Insured for the cost of clearance and removal of debris following upon any event
giving rise to an admissible claim under this Policy but not exceeding in all the sum (if any) set opposite thereto in
the Schedule.

EXCLUSIONS TO SECTION- I
The Company, shall not, however, be liable for
a. The first amount of the loss arising out of each and every occurrence shown as Excess in the Schedule;
b. Loss discovered only at the time of taking an inventory;
c. Normal wear and tear, gradual deterioration due to atmospheric conditions or lack of use or obsolescence
or otherwise, rust, scratching of painted or polished surfaces or breakage of glass;
d. Loss or damage due to faulty design;
e. The cost of replacement, repair or rectification of defective material an/or workman ship, but this exclusion
shall be limited to the items immediately affected and shall not be deemed to exclude loss of or damage to
correctly executed items resulting from an accident due to such defective material and/ or workmanship;
f. The cost necessary for rectification or correction of any error during construction unless resulting in physical
loss or damage;
g. Loss of or damage to files, drawings, accounts, bills, currency, stamps, deeds, evidence of debt, notes,
securities, cheques, packing materials such as cases, boxes, crates;
h. Any damage or penalties on account of the Insured's non-fulfillment of the terms of delivery or
completion under his Contract of construction or of any obligations assumed there under or lack of
performance including consequential loss of any kind or description or for any aesthetic defects or operational
deficiencies;
i. Loss of or damage to vehicles licensed for general road use or water borne vessels or Machinery/
Equipment mounted or operated or fixed on floating vessels/craft/barges or aircraft.

PROVISIONS APPLYING TO SECTION – I

Memo 1. SUM INSURED

It is a requirement of this Insurance that the sum of insurance stated in the schedule shall not be less than the completely
erected value of the property inclusive of freights, custom duty, erection cost and the insured undertakes to

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increase or decrease the amount of insurance in the event of any material fluctuation in the level of wages or prices.
Provided always that such increase or decrease shall take effect only after the same has been recorded on the policy by
the Company.
If in the event of the occurrence of a loss, or damage it is found that the Sum insured representing the completely
erected value of the property and/or of particular item involved is less than the amount required to be insured,
then the amount recoverable by the insured under this policy shall be reduced in such proportion as the Sum
Insured bears to amount required to be insured.

Memo 2. PREMIUM ADJUSTMENT

The Sum Insured under the Policy representing the complete value of the contract works shall be adjustable at
completion of the construction on the basis of actual values to be declared by the insured in respect of freight and
handling charges, customs dues and construction cost and difference in premium shall be met with by payment at the
rate agreed to or by the insured as the case may be. Any increase or decrease in the Prime cost of materials shall
not be the subject matter of premium adjustment.

Memo 3. REINSTATEMENT OF SUM INSURED

In the event of loss or damage the Insurance shall notwithstanding be maintained in force during the period of
insurance for the Sum Insured the Insured undertaking to pay a pro-rata additional premium on the full amount of
each claim for the loss or damage from the date of such loss to the expiry of the period of Insurance.

Memo 4. BASIS OF LOSS SETTLEMENT

In the event of any loss or damage the basis of any settlement under this Policy shall be -
a. In the case of damage which can be repaired the cost of repairs necessary to restore the property to their
condition immediately before the occurrence of the damage less salvage, or
b. In the case of a total loss - the actual value of the property immediately before the occurrence of the loss
less salvage;
however, only to the extent the cost claimed has to be borne by the Insured and to the extent they are
included in the Sum Insured and provided always that the provisions and conditions have been complied
with.
All damages, which can be repaired, shall be repaired, but if the cost of repairing any damage equals or
exceeds the value of the property immediately before the occurrence of the damage, the settlement shall be
made on the basis provided for in (b) above.
The cost of any provisional repairs will be borne by the Company if such repairs constitute part of the final
repairs and do not increase the total repair expenses.The cost of any alterations, additions and/or
improvements shall not be recoverable under this Policy.

Memo 5. EXTENSION OF COVER

Any extra charges incurred for overtime, work on holidays, express freight (excluding air freight) are not covered
by this insurance unless agreed upon at an additional premium to be prescribed by the Company.

Memo 6. CONSTRUCTION PLANT AND MACHINERY

Loss of or damage to Construction Plant and Machinery excludes loss or damage directly caused by its
own explosion or its own mechanical or electrical breakdown or derangement.

Memo 7. SURROUNDING PROPERTY

Loss of or damage to property located on or adjacent to the site and belonging to or held in care custody or control
of the Principal (s) or the Contractor(s) shall only be covered if occurring directly due to the construction of the items
insured under Section I and happening during the period of cover, and provided that a separate Sum therefore has
been entered in the Schedule under Section I, for Principal's surrounding specified property. This cover does not apply
to construction/erection machinery, plants and equipment.

Memo 8. MAJOR PERILS/AOG Perils

The major peril/Acts of God claims shall mean claims arising out of
a. Earthquake - Fire & Shock
b. Landslide/Rockslide/Subsidence
c. Flood/Inundation
d. Storm/ Tempest / Hurricane/ Typhoon/ Cyclone/Lightning or other atmospheric disturbances.
e. Collapse
f. Water damage for 'wet' risks i.e. contract involving works in rivers, canals, lakes or sea.

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Memo 9. REINSTATEMENT OF THE INDEMNITY LIMIT
Reinstatement of the indemnity limit on payment of additional premium after occurrence of claim can be allowed for
extensions like express freight, overtime, surrounding property, airfreight. However, in respect of Third Party Liability,
reinstatement can be allowed upto overall limit of Rs.1 crore during entire Policy period.

Memo 10. THIRD PARTY LIABILITY -

Third party liability (TPL) cover cannot be granted during extended maintenance.

SECTION II - THIRD PARTY LIABILITY

The company will, indemnify the insured against -
i. Legal liability for accidental loss or damage caused to property of other persons including property held in
trust by or under custody of the Insured for which he is responsible excluding any such property used in
connection with construction thereon.
ii. Legal liability (liability under contract excepted) for fatal or non-fatal injury to any persons other than the
Insured's own employees or workmen or employees of the owner of the works or premises or other firms
connected with any other construction work thereon, or members of the Insured's family or of any of the
aforesaid;
directly consequent upon or solely due to the construction of any property described in the Schedule.
Provided that the total liability of the Company during the period of Insurance under this cause shall not exceed the
limits of Indemnity set opposite thereto in the Schedule.

In respect of a claim for compensation to which the indemnity provided herein applies, the Company will, in addition,
indemnify the Insured against -
a. All costs and expenses of litigation recovered by any claimant from the Insured,
b. All costs and expenses incurred with the written consent of the Company.
The exclusion contained in paragraphs (d), (f) & (g) in Section I of this Policy shall apply also to this Section.

EXCLUSIONS TO SECTION II
The Company will not indemnify the Insured in respect of -
1. The Excess stated in the Schedule to be borne by the Insured in any one occurrence related to property damage.
2. Expenditure incurred in doing or redoing or making good or repairing or replacing anything covered or
coverable under Section I of this Policy;
3. Liability consequent upon -
a. Bodily injury to or illness of employees or workmen of the Contractor(s) or the Principal(s) or any other
firm connected with the project which or part of which is insured under Section I, or members of
their families;
b. Loss of or damage to property belonging to or held in care custody or control of the Contractor(s), the
Principal(s) or any other firm connected with the project which or part of which is insured under Section - I, or
an employee or workman of one of the aforesaid;
c. Any accident caused by vehicles licensed for general road use or by waterborne vessels or aircraft;
d. Any agreement by the Insured to pay any sum by way of indemnity or otherwise unless such liability would
have attached also in the absence of such agreement.

CONDITIONS APPLYING TO SECTION II

1. No admission, offer, promise, payment or indemnity shall be made or given by or on behalf of the Insured
without the written consent of the Company who shall be entitled, if they so desire, to take over and conduct in the
name of the Insured the defence or settlement of any claim or to prosecute for their own benefit in the name of
the Insured any claim for indemnity or damage or otherwise and shall have full discretion in the conduct of any
proceeding or in the settlement of any claim and the Insured shall give all such information and assistance as
the Company may require.
2. The company may, so far as any accident is concerned, pay to the Insured the limit of indemnity for
anyone accident/ anyone period, but deducting there from in such case any sum/s already paid as compensation in
respect thereof or any lesser sum for which the claim or claims arising from such accident can be settled and
the company shall thereafter be under no further liability in respect of such accident under this section.

TERRORISM DAMAGE EXCLUSION WARRANTY

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This Policy excludes loss, damage, cost or expense of whatsoever nature directly or indirectly caused by,
resulting from or in connection with any act of terrorism regardless of any other cause or event contributing
concurrently or in any other sequence to the loss.
For the purpose of this exclusion, an act of terrorism means an act or series of acts, including but not limited to the use of
force or violence and/or the threat thereof, of any person or group(s) of persons, whether 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 related and applicable national or state legislation formulated to combat
unlawful and terrorist activities in the nation for the time being in force, committed for political, religious, ideological
or similar purposes including the intention to influence any government and/or to put the public or any section of the
public in fear for such purposes.
This exclusion also includes loss, damage, cost or expense of whatsoever nature directly or indirectly caused by, resulting
from or in connection with any action taken in controlling, preventing, suppressing or in any way relating to the
above.

Resolving Issues
We do our best to ensure that our customers are delighted with the service they receive from Bajaj Allianz. If you are
dissatisfied we would like to inform you that we have a procedure for resolving issues. Please include your policy number
in any communication. This will help us deal with the issue more efficiently. If you don’t have it, please call your Branch
office.
First Step
Initially, we suggest you contact the Branch Manager / Regional Manager of the local office which has issued the policy.
The address and telephone number will be available in the policy.
Second Step
Naturally, we hope the issue can be resolved to your satisfaction at the earlier stage itself. But if you feel dissatisfied with
the suggested resolution of the issue after contacting the local office, please e-mail or write to:
Customer Care Cell
Bajaj Allianz General Insurance Co. Ltd
Bajaj Allianz House, 1st Floor Airport Road, Yerawada Pune 411006
E-mail: [email protected]
If you are still not satisfied, you can approach the Insurance Ombudsman in the respective area for resolving the
issue. The contact details of the Ombudsman offices are mentioned below:

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12. Grievance Redressal Procedure
Bajaj Allianz General Insurance has always been known as a forward looking customer centric organization. We take immense pride in the spirit of service and the
culture of keeping customer first in our scheme of things. In order to provide you with top-notch service on all fronts, we have provided you with multiple platforms via
which you can always reach one of our representatives.

Level 1
In case you have any concern, you may please reach out to our Customer Experience Team through any of the following options:
• Our Website @ https://general.bajajallianz.com/Corp/aboutus/general-insurance-customer-service.jsp
• Call us on our Toll free no 1800 209 5858
• Mail us on [email protected]
• Write to Bajaj Allianz General Insurance Co. Ltd.
Bajaj Allianz House, Airport Road, Yerwada Pune- 411006
Level 2
In case you are not satisfied with the response given to you by our team, you may write to our Grievance Redressal Officer Mr. Jerome Vincent at
ggro@bajajallianz. co.in

Level 3
If in case, your grievance is not resolved and you wish to talk to our care specialist, please Give a missed on +91 80809 45060 OR SMS <WORRY> To 575758 and
our care specialist will call you back

If you are still not satisfied with the solutions provided, write to Mr. Ankit Goenka, Head of Customer experience directly at head.
customerservice@ bajajallianz.co.in.

Grievance Redressal Cell for Senior Citizens

Bajaj Allianz introduces a dedicated team for all the senior citizens, so no more wait time, no more standing in long queue.
Senior citizens can now contact us on 1800-103-2529 or write to us at [email protected]

In case your complaint is not fully addressed by the insurer, You may use the Integrated Greivance Management System (IGMS) for escalating the complaint to IRDAI or
call 155255 . Through IGMS you can register your complain online and track its status. For registration please visit IRDAI website www.irda.gov.in.
If the issue still remains unresolved, You may, subject to vested jurisdiction, approach Insurance Ombudsman for the redressal of the grievance.

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If you are still not satisfied, you can approach the Insurance Ombudsman in the respective area for resolving
the issue. The contact details of the Ombudsman offices are mentioned below:

NAMES OF OMBUDSMAN AND ADDRESSES OF OMBUDSMAN CENTRES

Jurisdiction of Office
Office Details
Union Territory, District)

AHMEDABAD -
Insurance Ombudsman
Office of the Insurance Ombudsman,
Jeevan Prakash Building, 6th floor, Gujarat, Dadra & Nagar Haveli, Daman and Diu
Tilak Marg, Relief Road,
AHMEDABAD – 380 001.
Tel.: 079 – 25501201 /02 /05/06
Email: [email protected]

BENGALURU -
Insurance Ombudsman
Office of the Insurance Ombudsman,
Jeevan Soudha Building,PID No. 57-27-N-19
Karnataka.
Ground Floor, 19/19, 24th Main Road,
JP Nagar, Ist Phase, Bengaluru – 560 078.
Tel.: 080 - 26652048 / 26652049
Email: [email protected]

BHOPAL -
Insurance Ombudsman
Office of the Insurance Ombudsman, Madhya Pradesh
1st floor, “Jeevan Shikha", Chattisgarh.
60-B,Hoshangabad Road, Opp. Gayatri Mandir,
Bhopal – 462 011.
Tel.: 0755 - 2769201 / 2769202
Email: [email protected]

BHUBANESHWAR –
Insurance Ombudsman
Office of the Insurance Ombudsman, Orissa.
62, Forest park,
Bhubaneswar – 751 009.
Tel.: 0674 – 2596461 / 2596455
Email: [email protected]

CHANDIGARH -
Insurance Ombudsman
Office of the Insurance Ombudsman,
Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and
S.C.O. No. 101, 102 & 103, 2nd Floor,
Bahadurgarh), Himachal Pradesh, Union Territories of Jammu &
Batra Building, Sector 17 – D,
Kashmir,Ladakh & Chandigarh.
Chandigarh – 160 017.
Tel.: 0172 – 4646394 / 2706468
Email: [email protected]

CHENNAI -
Insurance Ombudsman
Office of the Insurance Ombudsman,
Fatima Akhtar Court, 4th Floor, 453, Tamil Nadu, Puducherry Town and Karaikal (which are part of
Anna Salai, Teynampet, Puducherry)
CHENNAI – 600 018.
Tel.: 044 - 24333668 / 24333678
Email: [email protected]
 Jurisdiction of Office
Office Details
Union Territory, District)

DELHI –
Insurance Ombudsman
Office of the Insurance Ombudsman, Delhi & following Districts of Haryana - Gurugram, Faridabad,
2/2 A, Universal Insurance Building, Sonepat & Bahadurgarh.
Asaf Ali Road,
New Delhi – 110 002.
Tel.: 011 - 23237539
Email: [email protected]

GUWAHATI -
Insurance Ombudsman
Office of the Insurance Ombudsman,
Jeevan Nivesh, 5th Floor, Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh,
Nr. Panbazar over bridge, S.S. Road, Nagaland and Tripura.
Guwahati – 781001(ASSAM).
Tel.: 0361 - 2632204 / 2602205
Email: [email protected]

HYDERABAD -
Insurance Ombudsman
Office of the Insurance Ombudsman,
6-2-46, 1st floor, "Moin Court", Andhra Pradesh, Telangana, Yanam and part of Union Territory of
Lane Opp. Saleem Function Palace, Puducherry.
A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004.
Tel.: 040 - 23312122
Email: [email protected]

JAIPUR -
Insurance Ombudsman
Office of the Insurance Ombudsman,
Jeevan Nidhi – II Bldg., Gr. Floor,
Rajasthan.
Bhawani Singh Marg,
Jaipur - 302 005.
Tel.: 0141 –2740363 / 2740798
Email: [email protected]

ERNAKULAM –
Insurance Ombudsman
Office of the Insurance Ombudsman, Kerala, Lakshadweep, Mahe-a part of Union Territory of
10th Floor, Jeevan Prakash,LIC Building, Puducherry.
Opp to Maharaja's College,M.G.Road,
Ernakulam - 682 011.
Tel.: 0484 - 2358759
Email: [email protected]

KOLKATA –
Insurance Ombudsman
Office of the Insurance Ombudsman,
Hindustan Bldg. Annexe, 7th Floor, West Bengal, Sikkim, Andaman & Nicobar Islands.
4, C.R. Avenue,
KOLKATA - 700 072.
Tel.: 033 - 22124339 / 22124341
Email: [email protected]

LUCKNOW – Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur,

Insurance Ombudsman Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur,
Office of the Insurance Ombudsman, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow,
 Jurisdiction of Office
Office Details
Union Territory, District)

6th Floor, Jeevan Bhawan, Phase-II, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli,
Nawal Kishore Road, Hazratganj, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti,
Lucknow - 226 001. Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar,
Tel.: 0522 - 4002082 / 3500613 Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur,
Email: [email protected] Chandauli, Ballia, Sidharathnagar..

MUMBAI -
Insurance Ombudsman
Office of the Insurance Ombudsman,
3rd Floor, Jeevan Seva Annexe, Goa, Mumbai Metropolitan Region (excluding Navi Mumbai &
S. V. Road, Santacruz (W), Thane).
Mumbai - 400 054.
Tel.: 022 - 69038800/ 27/ 29/ 31/ 32/ 33
Email: [email protected]

NOIDA -
Insurance Ombudsman State of Uttarakhand and the following Districts of Uttar Pradesh:
Office of the Insurance Ombudsman, Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah,
Bhagwan Sahai Palace Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar,
4th Floor, Main Road, Naya Bans, Sector 15, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh
Distt: Gautam Buddh Nagar, U.P-201301. nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur,
Tel.: 0120-2514252 / 2514253 Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur.
Email: [email protected]

PATNA –
Insurance Ombudsman
Office of the Insurance Ombudsman, Bihar,
2nd Floor, Lalit Bhawan, Jharkhand.
Bailey Road,
Patna 800 001.
Tel.: 0612-2547068
Email: [email protected]

PUNE -
Insurance Ombudsman
Office of the Insurance Ombudsman,
Jeevan Darshan Bldg., 3rd Floor, Maharashtra, Areas of Navi Mumbai and Thane (excluding Mumbai
C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Metropolitan Region).
Narayan Peth, Pune – 411 030.
Tel.: 020- 24471175
Email: [email protected]

“List of Ombudsman offices established by the Central Government for redressal of grievance are also available at
https://www.cioins.co.in/Ombudsman

Note: Address and contact number of Governing Body of Insurance Council:

Council for Insurance Ombudsmen,
3rd Floor, Jeevan Seva Annexe,
S. V. Road, Santacruz (W),
Mumbai - 400 054.
E-mail: [email protected]
Tel: 022 -69038800/69038812
Website: https://www.cioins.co.in