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IRDAI product register · general insurance
IFFCO Tokio General Insurance Policy Wordings
IRDAI's non-life product register lists 35 IFFCO Tokio products and 122 add-ons, approved 2016 to 2022. Each is below with its UIN and a link to its policy wording on irdai.gov.in, grouped by line of cover.
The wording is the contract a claim is decided on; the brochure is not. Built from IRDAI's register of non-life insurance products.
Written by Parul Bhargava · Founder and Principal Advisor, advising since 2004
Lines: Fire and property · Shop, office, home and business packages · Liability · Money, fidelity and crime · Cyber · Credit and political risk · Motor · Crop and rural · Other
Fire and property (4)
| Product | UIN | Approved | Policy wording |
|---|
IFFCO-Tokio Bharat Griha Raksha Policy6 add-ons- Additional Removal of Debris IRDAN106RP0001V02202021/A0001V02202122 · 25 Apr 2022 Wording
- Additional Removal of Debris IRDAN106RP0001V02202021/A0001V01202122 · 11 Jun 2021 Wording
- Damage to Utility Systems IRDAN106RP0001V02202021/A0003V02202122 · 25 Apr 2022 Wording
- Damage to Utility Systems IRDAN106RP0001V02202021/A0003V01202122 · 11 Jun 2021 Wording
- Snowfall Damage IRDAN106RP0001V02202021/A0002V02202122 · 25 Apr 2022 Wording
- Snowfall Damage IRDAN106RP0001V02202021/A0002V01202122 · 11 Jun 2021 Wording
| IRDAN106RP0001V02202021 | 2 Dec 2021 | Wording |
IFFCO-Tokio Bharat Laghu Udyam Suraksha Policy3 add-ons- Accidental Damage IRDAN106RP0003V02202021/A0007V01202122 · 11 Jun 2021 Wording
- Additional Removal of Debris IRDAN106RP0003V02202021/A0009V01202122 · 11 Jun 2021 Wording
- Snowfall Damage IRDAN106RP0003V02202021/A0008V01202122 · 11 Jun 2021 Wording
| IRDAN106RP0003V02202021 | 2 Nov 2021 | Wording |
IFFCO-Tokio Bharat Sookshma Udyam Suraksha Policy3 add-ons- Accidental Damage IRDAN106RP0002V02202021/A0006V01202122 · 11 Jun 2021 Wording
- Additional Removal of Debris IRDAN106RP0002V02202021/A0005V01202122 · 11 Jun 2021 Wording
- Snowfall Damage IRDAN106RP0002V02202021/A0004V01202122 · 11 Jun 2021 Wording
| IRDAN106RP0002V02202021 | 2 Nov 2021 | Wording |
| Photovoltaic Sales Policy | IRDAN106P0003V01201819 | 30 Jul 2018 | Wording |
Shop, office, home and business packages (6)
| Product | UIN | Approved | Policy wording |
|---|
| All In One Home Protector Policy | IRDAN106RP0064V02201819 | 20 Jul 2021 | Wording |
| Industry Protector insurance Policy | IRDAN106CP0006V02200304 | 27 Apr 2021 | Wording |
| Industry Protector insurance Policy | IRDAN106CP0006V03200304 | 21 Dec 2021 | Wording |
| Trade Protector insurance Policy | IRDAN106RP0016V02200102 | 27 Apr 2021 | Wording |
| Trade Protector insurance Policy | IRDAN106RP0016V03200102 | 21 Dec 2021 | Wording |
| Unified Package Insurance Scheme (UPIS) | IRDAN106P0002V01201617 | 24 Oct 2016 | Wording |
Liability (7)
| Product | UIN | Approved | Policy wording |
|---|
| Buyer's Warranty and Indemnity Insurance | IRDAN106CP0005V01201819 | 6 Dec 2018 | Wording |
| Directors and Officers liblility and Company Reimbursement Liability Insurance | IRDAN106P0003V02200203 | 18 Jul 2016 | Wording |
| Employment Practices Liability Insurance | IRDAN106P0012V01201718 | 14 Mar 2018 | Wording |
| Investment Management Insurance | IRDAN106P0011V01201718 | 14 Mar 2018 | Wording |
| Office & Professional Establishment Protector Insurance policy | IRDAN106RP0001V02200203 | 27 Apr 2021 | Wording |
| Office & Professional Establishment Protector Insurance policy | IRDAN106RP0001V03200203 | 21 Dec 2021 | Wording |
| Public Offering of Securities Insurance | IRDAN106P0013V01201718 | 14 Mar 2018 | Wording |
Money, fidelity and crime (2)
| Product | UIN | Approved | Policy wording |
|---|
| Bank Locker Protector Policy | IRDAN106RP0063V01201819 | 4 Dec 2018 | Wording |
| Kidnap and Ransom Protection Policy | IRDAN106P0002V01201819 | 30 May 2018 | Wording |
Cyber (1)
| Product | UIN | Approved | Policy wording |
|---|
| Cyber Security Insurance | IRDAN106P0001V01201819 | 28 May 2018 | Wording |
Credit and political risk (4)
| Product | UIN | Approved | Policy wording |
|---|
| Billing and Settlement Insurance - IATA | IRDAN106P0001V01201718 | 30 Oct 2017 | Wording |
| COMMERCIAL AND POLITICAL RISK INSURANCE | IRDAN106P0014V01201718 | 14 Mar 2018 | Wording |
| Credit Insurance Policy | IRDAN106CP0002V02200203 | 23 Sep 2022 | Wording |
| Photovoltaic Buyer Policy | IRDAN106P0004V01201819 | 30 Jul 2018 | Wording |
Motor (9)
| Product | UIN | Approved | Policy wording |
|---|
| 3 year Private Car Act Policy | IRDAN106RP0008V01201819 | 30 Aug 2018 | Wording |
3 year Private Car Package policy13 add-ons- Accomodation And Travelling Expenses for 3 year Long Term Package policy for Private Cars IRDAN106RP0009V01201819/A0047V01201819 · 4 Sep 2018 Wording
- Daily Rental/Travel Cost for 3 year Long Term Package policy for Private Cars IRDAN106RP0009V01201819/A0039V01201819 · 4 Sep 2018 Wording
- Depreciation Waiver for 3 year Long Term Package policy for Private Cars IRDAN106RP0009V01201819/A0037V01201819 · 4 Sep 2018 Wording
- Increased Property Damage Liablity Benefit for 3 year Long Term Package policy for Private Cars IRDAN106RP0009V01201819/A0044V01201819 · 4 Sep 2018 Wording
- Medical Expenses for 3 year Long Term Package policy for Private Cars IRDAN106RP0009V01201819/A0041V01201819 · 4 Sep 2018 Wording
- New Vehicle Replacement for 3 year Long Term Package policy for Private Cars IRDAN106RP0009V01201819/A0038V01201819 · 4 Sep 2018 Wording
- No Claim Bonus (Ncb) Protection for 3 year Long Term Package policy for Private Cars IRDAN106RP0009V01201819/A0043V01201819 · 4 Sep 2018 Wording
- On-Road Protector Coverage for 3 year Long Term Package policy for Private Cars IRDAN106RP0009V01201819/A0049V01201819 · 4 Sep 2018 Wording
- Personal Accident Coverage for 3 year Long Term Package policy for Private Cars IRDAN106RP0009V01201819/A0042V01201819 · 4 Sep 2018 Wording
- Personal Effect And Belongings for 3 year Long Term Package policy for Private Cars IRDAN106RP0009V01201819/A0040V01201819 · 4 Sep 2018 Wording
- Towing And/Or Removal/Storage Of The Insured Vehicle for 3 year Long Term Package policy for Private IRDAN106RP0009V01201819/A0046V01201819 · 4 Sep 2018 Wording
- Transport, Redelivery Or Repatriation Of Repaired Vehicle for 3 year Long Term Package policy for Pr IRDAN106RP0009V01201819/A0048V01201819 · 4 Sep 2018 Wording
- Wreckage/Debris Removal And Transhipment Cost for 3 year Long Term Package policy for Private Cars IRDAN106RP0009V01201819/A0045V01201819 · 4 Sep 2018 Wording
| IRDAN106RP0009V01201819 | 30 Aug 2018 | Wording |
5 year Long term standard Motor Package policy for two wheeler12 add-ons- Accomodation And Travelling Expenses for 5 year Long Term Package policy for two wheelers IRDAN106RP0006V01201819/A0021V01201819 · 4 Sep 2018 Wording
- Daily Rental/Travel Cost for 5 year Long Term Package policy for two wheelers IRDAN106RP0006V01201819/A0013V01201819 · 4 Sep 2018 Wording
- Depreciation Waiver for 5 year Long Term Package policy for two wheelers IRDAN106RP0006V01201819/A0011V01201819 · 4 Sep 2018 Wording
- Increased Property Damage Liablity Benefit for 5 year Long Term Package policy for two wheelers IRDAN106RP0006V01201819/A0018V01201819 · 4 Sep 2018 Wording
- Medical Expenses for 5 year Long Term Package policy for two wheelers IRDAN106RP0006V01201819/A0015V01201819 · 4 Sep 2018 Wording
- New Vehicle Replacement for 5 year Long Term Package policy for two wheelers IRDAN106RP0006V01201819/A0012V01201819 · 4 Sep 2018 Wording
- No Claim Bonus (Ncb) Protection for 5 year Long Term Package policy for two wheelers IRDAN106RP0006V01201819/A0017V01201819 · 4 Sep 2018 Wording
- Personal Accident Coverage for 5 year Long Term Package policy for two wheelers IRDAN106RP0006V01201819/A0016V01201819 · 4 Sep 2018 Wording
- Personal Effect And Belongings for 5 year Long Term Package policy for two wheelers IRDAN106RP0006V01201819/A0014V01201819 · 4 Sep 2018 Wording
- Towing And/Or Removal/Storage Of The Insured Vehicle for 5 year Long Term Package policy for two whe IRDAN106RP0006V01201819/A0020V01201819 · 4 Sep 2018 Wording
- Transport, Redelivery Or Repatriation Of Repaired Vehicle for 5 year Long Term Package policy for tw IRDAN106RP0006V01201819/A0022V01201819 · 4 Sep 2018 Wording
- Wreckage/Debris Removal And Transhipment Cost for 5 year Long Term Package policy for two wheelers IRDAN106RP0006V01201819/A0019V01201819 · 4 Sep 2018 Wording
| IRDAN106RP0006V01201819 | 30 Aug 2018 | Wording |
| 5 year Stand Alone Third Party Long term Two wheeler Insurance policy | IRDAN106RP0005V01201819 | 30 Aug 2018 | Wording |
Bundled cover with one year term for own damage and five years motor third party insurance policy fo14 add-ons- Accomodation And Travelling Expenses for Bundled Cover for two wheelers IRDAN106RP0007V01201819/A0034V01201819 · 4 Sep 2018 Wording
- Consumable Cover IRDAN106RP0007V01201819/A0011V01202223 · 12 Apr 2022 Wording
- Daily Rental/Travel Cost for Bundled Cover for two wheelers IRDAN106RP0007V01201819/A0026V01201819 · 4 Sep 2018 Wording
- Depreciation Waiver for Bundled Cover for two wheelers IRDAN106RP0007V01201819/A0024V01201819 · 4 Sep 2018 Wording
- Increased Property Damage Liablity Benefit for Bundled Cover for two wheelers IRDAN106RP0007V01201819/A0031V01201819 · 4 Sep 2018 Wording
- Loss of Key IRDAN106RP0007V01201819/A0012V01202223 · 12 Apr 2022 Wording
- Medical Expenses for Bundled Cover for two wheelers IRDAN106RP0007V01201819/A0028V01201819 · 4 Sep 2018 Wording
- New Vehicle Replacement for Bundled Cover for two wheelers IRDAN106RP0007V01201819/A0025V01201819 · 4 Sep 2018 Wording
- No Claim Bonus (Ncb) Protection for Bundled Cover for two wheelers IRDAN106RP0007V01201819/A0030V01201819 · 4 Sep 2018 Wording
- Personal Accident Coverage for Bundled Cover for two wheelers IRDAN106RP0007V01201819/A0029V01201819 · 4 Sep 2018 Wording
- Personal Effect And Belongings for Bundled Cover for two wheelers IRDAN106RP0007V01201819/A0027V01201819 · 4 Sep 2018 Wording
- Towing And/Or Removal/Storage Of The Insured Vehicle for Bundled Cover for two wheelers IRDAN106RP0007V01201819/A0033V01201819 · 4 Sep 2018 Wording
- Transport, Redelivery Or Repatriation Of Repaired Vehicle for Bundled Cover for two wheelers IRDAN106RP0007V01201819/A0035V01201819 · 4 Sep 2018 Wording
- Wreckage/Debris Removal And Transhipment Cost for Bundled Cover for two wheelers IRDAN106RP0007V01201819/A0032V01201819 · 4 Sep 2018 Wording
| IRDAN106RP0007V01201819 | 30 Aug 2018 | Wording |
Bundled cover with one year term for own damage and three years motor third party insurance policy f17 add-ons- Accomodation And Travelling Expenses for Bundled Cover for private cars IRDAN106RP0010V01201819/A0060V01201819 · 4 Sep 2018 Wording
- Consumable Cover IRDAN106RP0010V01201819/A0006V01202223 · 12 Apr 2022 Wording
- Daily Rental/Travel Cost for Bundled Cover for private cars IRDAN106RP0010V01201819/A0052V01201819 · 4 Sep 2018 Wording
- Depreciation Waiver for Bundled Cover for private cars IRDAN106RP0010V01201819/A0050V01201819 · 4 Sep 2018 Wording
- Engine and Gear Box Protection Cover IRDAN106RP0010V01201819/A0005V01202223 · 12 Apr 2022 Wording
- Increased Property Damage Liablity Benefit for Bundled Cover for private cars IRDAN106RP0010V01201819/A0057V01201819 · 4 Sep 2018 Wording
- Loss of Key Cover IRDAN106RP0010V01201819/A0007V01202223 · 12 Apr 2022 Wording
- Medical Expenses for Bundled Cover for private cars IRDAN106RP0010V01201819/A0054V01201819 · 4 Sep 2018 Wording
- New Vehicle Replacement for Bundled Cover for private cars IRDAN106RP0010V01201819/A0051V01201819 · 4 Sep 2018 Wording
- No Claim Bonus (Ncb) Protection for Bundled Cover for private cars IRDAN106RP0010V01201819/A0056V01201819 · 4 Sep 2018 Wording
- On-Road Protector Coverage for Bundled Cover for private cars IRDAN106RP0010V01201819/A0062V01201819 · 4 Sep 2018 Wording
- Personal Accident Coverage for Bundled Cover for private cars IRDAN106RP0010V01201819/A0055V01201819 · 4 Sep 2018 Wording
- Personal Effect And Belongings for Bundled Cover for private cars IRDAN106RP0010V01201819/A0053V01201819 · 4 Sep 2018 Wording
- Towing And/Or Removal/Storage Of The Insured Vehicle for Bundled Cover for private cars IRDAN106RP0010V01201819/A0059V01201819 · 4 Sep 2018 Wording
- Transport, Redelivery Or Repatriation Of Repaired Vehicle for Bundled Cover for private cars IRDAN106RP0010V01201819/A0061V01201819 · 4 Sep 2018 Wording
- Tyre Replacement IRDAN106RP0010V01201819/A0008V01202223 · 12 Apr 2022 Wording
- Wreckage/Debris Removal And Transhipment Cost for Bundled Cover for private cars IRDAN106RP0010V01201819/A0058V01201819 · 4 Sep 2018 Wording
| IRDAN106RP0010V01201819 | 30 Aug 2018 | Wording |
| Compulsory Personal Accident (Owner-cum-Driver) under Motor Insurance Policies | IRDAN106RP0065V01201819 | 12 Dec 2018 | Wording |
Stand Alone Motor Own Damage for Private Car16 add-ons- Accomodation And Travelling Expenses for Stand-Alone Motor OD Private Car IRDAN106RP0002V01201920/A0023V01201920 · 29 Sep 2019 Wording
- Consumable Cover IRDAN106RP0002V01201920/A0002V01202223 · 12 Apr 2022 Wording
- Daily Rental/Travel Cost for Stand-Alone Motor OD Private Car IRDAN106RP0002V01201920/A0016V01201920 · 29 Sep 2019 Wording
- Depreciation Waiver for Stand-Alone Motor OD Private Car IRDAN106RP0002V01201920/A0014V01201920 · 29 Sep 2019 Wording
- Engine and Gear Box Protection Cover IRDAN106RP0002V01201920/A0001V01202223 · 12 Apr 2022 Wording
- Loss of Key Cover IRDAN106RP0002V01201920/A0003V01202223 · 12 Apr 2022 Wording
- Medical Expenses for Stand-Alone Motor OD Private Car IRDAN106RP0002V01201920/A0018V01201920 · 29 Sep 2019 Wording
- New Vehicle Replacement for Stand-Alone Motor OD Private Car IRDAN106RP0002V01201920/A0015V01201920 · 29 Sep 2019 Wording
- No Claim Bonus (NCB) Protection for Stand-Alone Motor OD Private Car IRDAN106RP0002V01201920/A0020V01201920 · 29 Sep 2019 Wording
- On-Road Protector Coverage for Stand-Alone Motor OD Private Car IRDAN106RP0002V01201920/A0025V01201920 · 29 Sep 2019 Wording
- Personal Accident Coverage for Stand-Alone Motor OD Private Car IRDAN106RP0002V01201920/A0019V01201920 · 29 Sep 2019 Wording
- Personal Effect And Belongings for Stand-Alone Motor OD Private Car IRDAN106RP0002V01201920/A0017V01201920 · 29 Sep 2019 Wording
- Towing And/Or Removal/Storage Of The Insured Vehicle for Stand-Alone Motor OD Private Car IRDAN106RP0002V01201920/A0022V01201920 · 29 Sep 2019 Wording
- Transport, Redelivery Or Repatriation Of Repaired Vehicle for Stand-Alone Motor OD Private Car IRDAN106RP0002V01201920/A0024V01201920 · 29 Sep 2019 Wording
- Tyre Replacement IRDAN106RP0002V01201920/A0004V01202223 · 12 Apr 2022 Wording
- Wreckage/Debris Removal Cost for Stand-Alone Motor OD Private Car IRDAN106RP0002V01201920/A0021V01201920 · 29 Sep 2019 Wording
| IRDAN106RP0002V01201920 | 29 Sep 2019 | Wording |
Stand Alone Motor Own Damage for Two Wheeler13 add-ons- Accomodation And Travelling Expenses for Stand-Alone Motor OD Two Wheeler IRDAN106RP0001V01201920/A0012V01201920 · 29 Sep 2019 Wording
- Consumable Cover IRDAN106RP0001V01201920/A0009V01202223 · 12 Apr 2022 Wording
- Daily Rental/Travel Cost for Stand-Alone Motor OD Two Wheeler IRDAN106RP0001V01201920/A0005V01201920 · 29 Sep 2019 Wording
- Depreciation Waiver for Stand-Alone Motor OD Two Wheeler IRDAN106RP0001V01201920/A0003V01201920 · 29 Sep 2019 Wording
- Loss of Key IRDAN106RP0001V01201920/A0010V01202223 · 12 Apr 2022 Wording
- Medical Expenses for Stand-Alone Motor OD Two Wheeler IRDAN106RP0001V01201920/A0007V01201920 · 29 Sep 2019 Wording
- New Vehicle Replacement for Stand-Alone Motor OD Two Wheeler IRDAN106RP0001V01201920/A0004V01201920 · 29 Sep 2019 Wording
- No Claim Bonus (NCB) Protection for Stand-Alone Motor OD Two Wheeler IRDAN106RP0001V01201920/A0009V01201920 · 29 Sep 2019 Wording
- Personal Accident Coverage for Stand-Alone Motor OD Two Wheeler IRDAN106RP0001V01201920/A0008V01201920 · 29 Sep 2019 Wording
- Personal Effect And Belongings for Stand-Alone Motor OD Two Wheeler IRDAN106RP0001V01201920/A0006V01201920 · 29 Sep 2019 Wording
- Towing And/Or Removal/Storage Of The Insured Vehicle for Stand-Alone Motor OD Two Wheeler IRDAN106RP0001V01201920/A0011V01201920 · 29 Sep 2019 Wording
- Transport, Redelivery Or Repatriation Of Repaired Vehicle for Stand-Alone Motor OD Two Wheeler IRDAN106RP0001V01201920/A0013V01201920 · 29 Sep 2019 Wording
- Wreckage/Debris Removal Cost for Stand-Alone Motor OD Two Wheeler IRDAN106RP0001V01201920/A0010V01201920 · 29 Sep 2019 Wording
| IRDAN106RP0001V01201920 | 29 Sep 2019 | Wording |
Crop and rural (1)
| Product | UIN | Approved | Policy wording |
|---|
| Pradhan Mantri Fasal Bima Yojana (PMFBY) | IRDAN106P0001V01201617 | 29 Sep 2016 | Wording |
Other (1)
| Product | UIN | Approved | Policy wording |
|---|
| Jan Kavach Yojna | IRDAN106P0010V01201718 | 30 Jan 2018 | Wording |
Add-ons filed on their own (25)
Add-ons whose parent product is not itself in the register, or which were filed without one.
| Add-on | UIN | Approved | Policy wording |
|---|
| Accidental Damage-IFFCO-Tokio Bharat Laghu Udyam Suraksha Policy | IRDAN106RP0003V01202021/A0007V01202122 | 10 Jun 2021 | Wording |
| Accidental Damage-IFFCO-Tokio Bharat Sookshma Udyam Suraksha | IRDAN106RP0002V01202021/A0006V01202122 | 10 Jun 2021 | Wording |
| Additional Removal of Debris-IFFCO-Tokio Bharat Griha Raksha Policy | IRDAN106RP0001V01202021/A0001V01202122 | 10 Jun 2021 | Wording |
| Additional Removal of Debris-IFFCO-Tokio Bharat Laghu Udyam Suraksha Policy | IRDAN106RP0003V01202021/A0009V01202122 | 10 Jun 2021 | Wording |
| Additional Removal of Debris-IFFCO-Tokio Bharat Sookshma Udyam Suraksha | IRDAN106RP0002V01202021/A0005V01202122 | 10 Jun 2021 | Wording |
| Consumable Cover | IRDAN106RP0005V01200001/A0020V01202223 | 12 Apr 2022 | Wording |
| Consumable Cover | IRDAN106RP0005V01200607/A0018V01202223 | 12 Apr 2022 | Wording |
| Consumable Cover | IRDAN106RP0013V01200001/A0013V01202223 | 12 Apr 2022 | Wording |
| Daily Rental/Travel Cost | IRDAN106A0006V01201718 | 27 Nov 2017 | Wording |
| Damage to Utility Systems-IFFCO-Tokio Bharat Griha Raksha Policy | IRDAN106RP0001V01202021/A0003V01202122 | 10 Jun 2021 | Wording |
| Depreciation Waiver | IRDAN106A0003V01201718 | 27 Nov 2017 | Wording |
| Engine and Gear Box Protection Cover | IRDAN106RP0005V01200001/A0019V01202223 | 12 Apr 2022 | Wording |
| Engine and Gear Box Protection Cover | IRDAN106RP0005V01200607/A0017V01202223 | 12 Apr 2022 | Wording |
| Full Coverage for Lamps,Tyre/Tube, Mudguards, Bonnet/Side Parts, Bumper,Head Gear and Paint Work of | IRDAN106RP0005V01200607/A0015V01202223 | 12 Apr 2022 | Wording |
| Loss of Key | IRDAN106RP0005V01200607/A0016V01202223 | 12 Apr 2022 | Wording |
| Loss of Key | IRDAN106A0005V01201718 | 27 Nov 2017 | Wording |
| Loss of Key Cover | IRDAN106RP0005V01200001/A0021V01202223 | 12 Apr 2022 | Wording |
| Loss Of Key Cover | IRDAN106RP0013V01200001/A0014V01202223 | 12 Apr 2022 | Wording |
| New Vehicle Replacement Cover | IRDAN106A0004V01201718 | 27 Nov 2017 | Wording |
| No Claim Bonus Protection | IRDAN106A0007V01201718 | 27 Nov 2017 | Wording |
| Snowfall Damage-IFFCO-Tokio Bharat Griha Raksha Policy | IRDAN106RP0001V01202021/A0002V01202122 | 10 Jun 2021 | Wording |
| Snowfall Damage-IFFCO-Tokio Bharat Laghu Udyam Suraksha Policy | IRDAN106RP0003V01202021/A0008V01202122 | 10 Jun 2021 | Wording |
| Snowfall Damage-IFFCO-Tokio Bharat Sookshma Udyam Suraksha | IRDAN106RP0002V01202021/A0004V01202122 | 10 Jun 2021 | Wording |
| Towing and Removal of insured vehicle | IRDAN106A0008V01201718 | 27 Nov 2017 | Wording |
| Tyre Replacement | IRDAN106RP0005V01200001/A0022V01202223 | 12 Apr 2022 | Wording |
Names in the register
IRDAI registration number 106. Filed as: IFFCO Tokio General Insurance Co. Ltd.; IFFCO-TOKIO General Insurance Co. Ltd.. Its claim settlement, solvency and market share figures: IFFCO Tokio profile.
Why the wording matters more than the brochure
A policy is the schedule, the wording and any endorsements, read together. The brochure and the insurer's web page summarise it and say so in their own footers. When a claim is disputed, the surveyor, the insurer and the Ombudsman all read the wording, so it is the document to read before renewal, not after a loss.
Below fifty crore of value at risk, fire cover is IRDAI's standard product and the wording is the same whoever sells it. Above it, and on most liability, engineering and marine covers, the wordings differ and comparing them is the point of using a broker.
Reading a UIN
Every product IRDAI approves carries a Unique Identification Number. For a general insurance product it begins IRDAN, and the three digits that follow are the insurer's IRDAI registration number, which is how this library keeps an insurer's products together through a change of name. The V01, V02 that follow mark the version of the wording. An add-on carries its parent product's UIN with its own /A suffix, or a UIN of its own where it was filed alone.
The UIN is printed on your policy schedule. Match it here and you have the wording your policy was issued on. If your schedule shows a version this library does not list, the insurer has filed a newer one since.
Frequently asked questions
Where can I find IFFCO Tokio policy wordings?
Above: every IFFCO Tokio product in IRDAI's non-life register, with the link to its wording PDF on irdai.gov.in. Match the UIN on your policy schedule.
How many IFFCO Tokio general insurance products are in IRDAI's register?
35 products and 122 add-ons, approved 2016 to 2022.
Which lines of cover does IFFCO Tokio file most?
By number of products in the register: motor 9, liability 7, shop, office, home and business packages 6, fire and property 4.
All insurers · comparing wordings · what to do when a claim is disputed · claim settlement ratios.