In case you have a complaint or grievance regarding the services rendered by us, you may approach or write or e-mail to the policy issuing office, Regional Office/Head Office for redressal. If you are not satisfied with the response from the Company, you are free to take up the matter with the Hon'ble Ombudsman, in case the loss is below Rs. 20 lakhs and the policy is issued to an individual.

In case an unfortunate loss as covered in the policy occurs, so as to get prompt service we request you to take the following actions:

• It is advisable to renew the policy before the expiry of the policy period so that there is continuity AND YOU DO NOT RUN THE RISK OF REMAINING UNINSURED and no questions will be asked in case in the unlikely event a loss takes place at the juncture of the renewal.
• Premium must be paid in advance and a receipt be obtained for the same under Indian Law. (Under 64VB of the Insurance Act cover will not be valid without full payment of premium.)

• You must have insurable interest i.e. you own the property or have financial interest in the property or person or interest covered to receive a claim if a loss covered in the policy takes place.
• In case your interest ceases kindly inform us so that we can refund your premium on a short period basis as stated in the policy so that you are not insuring unnecessarily.

Kindly ensure that the policy document issued to you is duly checked and thereafter kept in safe custody preferably in a file along with the earlier policy copies. Please check the policy schedule for the following important information.

• Every request for policy is to be based on a proposal form to be submitted by you. This form seeks important information regarding yourself and the property or person or interest which you wish to insure.
• Every information sought in the proposal should be given in all respects and please provide also your contact number and E-mail ID (if any). If additional information is to be given to us please give the same through additional statements. No material information should be kept hidden from an insurer.