Any Indian who is the owner and / or occupant of the housing property located in
India can purchase a long term Fire Insurance Policy. Long term Policies can be
issued only to house / flat owners and not to others who do not own the house /
Your insurance cover starts from the commencement date indicated by you or receipt
of premium by us, whichever is later.
In case of online purchase of policy, inception date will be 7 days after premium
Property valuation is done by multiplying the built up area of the property with
the cost of construction per square feet.
Currently the cost of construction is taken around 1500 to 2000 depending on the
location of the property and type of construction.
If you have a policy with two insurance companies, at the time of a claim both the
insurance companies will pay on proportionate basis.
No, entire society building cannot be covered under long term fire insurance policy.
Mid-term increase in sum insured shall be allowed on pro rata basis for the balance
period. Reduction of Sum Insured in Long Term policy is not permitted
Policy can be cancelled but there will not be any refund in premium after claim
If you have financial interest in the property as owner then you can insure the
The following are the properties not covered under Long term Fire Policy :
1 : Property Under construction
2 : Factory premises
3 : Jewellery, coins/currency, works of arts, valuables in excess of 10000/- (this
is not exhaustive list)
4 : “Kutcha” construction
5 : Resident cum offices
6 : Land
From the time the transfer of owner ship becomes effective, the policy stands cancelled
& the insured ceases to be an insured under the policy. We will then refund the
premium for the balance of the insured period.
FIR is mandatory in case of Malicious Damage Riot and Strike, Terrorism However
it is not necessary in cases of:
1 : Flood
2 : Storm
3 : Earthquake
4 : Lightning
5 : Subsidence
6 : Impact Damage due to Aircraft Losses.
Surveyor contacts the customer in 48 hours time. Claim form is sent to customer
correspondence address within 7 working days time.
Yes, the company will pay a maximum of 1% of the total claims amount for debris
At all times during the period of insurance of this policy the insurance cover will
be maintained to the full extent of the respective sum insured in consideration
of which upon the settlement of any loss under this policy, pro-rata premium for
the unexpired period from the date of such loss to the expiry of period of insurance
for the amount of such loss shall be payable by the insured to the Company and same
amount will be deducted from claim payable.
1 : Duly filled and signed claim form
2 : List of items lost in the event with their purchase bill or receipt
3 : Police FIR / Charge Sheet (notarized copy)
4 : Occupancy certificate (notarized copy)
5 : Fire Brigade report (notarized copy)
6 : Invoices (in case available for contents)
7 : Repair Bills (in original)
You can register claims through any of the below contact points:
Email : firstname.lastname@example.org
Toll Free No. : 1800-2-700-700 (accessible from any Mobile and Landline within India)
1800-226-226 (from BSNL/ MTNL)
Please mention your policy number, contact details and nature of loss.
For queries & claims call : 1800 2 700 700 (Accessible from India only)
Fax : 022-66383669
Write to us : HDFC ERGO General Insurance Company Limited
(Customer service office) 6th Floor, Leela Business Park, Andheri Kurla Road, Andheri
(East), Mumbai - 400 059