IRDAI product register · general insurance

Navi General Insurance Policy Wordings

IRDAI's non-life product register lists 35 Navi General products and 138 add-ons, approved 2017 to 2021. Each is below with its UIN and a link to its policy wording on irdai.gov.in, grouped by line of cover.

Navi General Insurance, formerly DHFL General Insurance. 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 · Engineering · Liability · Motor

Fire and property (4)

Product	UIN	Approved	Policy wording
COCO Asset Protect - DHFL General Insurance	IRDAN155RP0001V01201920	15 Apr 2019	Wording
Navi Asset Insurance	IRDAN155RP0001V02201920	17 Aug 2021	Wording
Standard Fire & Special Perils Policy (Retail)	IRDAN155P0004V01201718	21 Nov 2017	Wording
Standard Fire and Special Perils Policy (Commercial)	IRDAN155P0022V01201718	16 Mar 2018	Wording

Engineering (1)

Product	UIN	Approved	Policy wording
Contractor's All Risks Insurance Policy	IRDAN155P0021V01201718	2 Mar 2018	Wording

Liability (1)

Product	UIN	Approved	Policy wording
Asset Service Provider Liability Insurance	IRDAN155CP0046V01201819	12 Nov 2018	Wording

Motor (29)

Product	UIN	Approved	Policy wording
COCODrive Private Car Own Damage Policy- DHFL General Insurance 12 add-ons Consumable Expenses IRDAN155RP0002V01201920/A0005V01201920 · 16 Sep 2019 Wording Daily Conveyance Allowance IRDAN155RP0002V01201920/A0009V01201920 · 16 Sep 2019 Wording Depreciation Cover -Specified Limit IRDAN155RP0002V01201920/A0014V01201920 · 16 Sep 2019 Wording Engine Protector IRDAN155RP0002V01201920/A0010V01201920 · 16 Sep 2019 Wording Key and Lock Replacement IRDAN155RP0002V01201920/A0011V01201920 · 16 Sep 2019 Wording NCB (No claim Bonus) Secure IRDAN155RP0002V01201920/A0006V01201920 · 16 Sep 2019 Wording NCB Protector-Repair of Non- Metallic Parts IRDAN155RP0002V01201920/A0007V01201920 · 16 Sep 2019 Wording New Car for Old Car IRDAN155RP0002V01201920/A0008V01201920 · 16 Sep 2019 Wording Personal Belonging Protector IRDAN155RP0002V01201920/A0012V01201920 · 16 Sep 2019 Wording Roadside Assistance IRDAN155RP0002V01201920/A0015V01201920 · 16 Sep 2019 Wording Tyre Replacement IRDAN155RP0002V01201920/A0013V01201920 · 16 Sep 2019 Wording Zero Dep cover IRDAN155RP0002V01201920/A0004V01201920 · 16 Sep 2019 Wording	IRDAN155RP0002V01201920	16 Sep 2019	Wording
COCODrive Private Car Package Policy- DHFL General Insurance-3 Years 19 add-ons Accidental hospitalisation- Add-On under COCODrive PRIVATE CAR PACKAGE POLICY- DHFL General Insurance – 3 Years IRDAN155RP0046V01201819/A0076V01201819 · 29 Aug 2018 Wording Consumable Expenses- Add-On under COCODrive PRIVATE CAR PACKAGE POLICY- DHFL General Insurance – 3 Years IRDAN155RP0046V01201819/A0065V01201819 · 29 Aug 2018 Wording Daily Conveyance Allowance- Add-On under COCODrive PRIVATE CAR PACKAGE POLICY- DHFL General Insurance – 3 Years IRDAN155RP0046V01201819/A0069V01201819 · 29 Aug 2018 Wording Depreciation Cover -Specified Limit- Add-On under COCODrive PRIVATE CAR PACKAGE POLICY- DHFL General Insurance – 3 Years IRDAN155RP0046V01201819/A0082V01201819 · 29 Aug 2018 Wording Emergency Transport and Hotel Stay- Add-On under COCODrive PRIVATE CAR PACKAGE POLICY- DHFL General Insurance – 3 Years IRDAN155RP0046V01201819/A0073V01201819 · 29 Aug 2018 Wording EMI Protector-Add-On under COCODrive PRIVATE CAR PACKAGE POLICY- DHFL General Insurance – 3 Years IRDAN155RP0046V01201819/A0078V01201819 · 29 Aug 2018 Wording Engine Protector- Add-On under COCODrive PRIVATE CAR PACKAGE POLICY- DHFL General Insurance – 3 Years IRDAN155RP0046V01201819/A0070V01201819 · 29 Aug 2018 Wording Enhanced Occupants Personal Accident- Add-On under COCODrive PRIVATE CAR PACKAGE POLICY- DHFL General Insurance – 3 Years IRDAN155RP0046V01201819/A0074V01201819 · 29 Aug 2018 Wording Enhanced Owner Personal Accident- Add-On under COCODrive PRIVATE CAR PACKAGE POLICY- DHFL General Insurance – 3 Years IRDAN155RP0046V01201819/A0081V01201819 · 29 Aug 2018 Wording Enhanced Paid Driver Personal Accident- Add-On under COCODrive PRIVATE CAR PACKAGE POLICY- DHFL General Insurance – 3 Years IRDAN155RP0046V01201819/A0075V01201819 · 29 Aug 2018 Wording Hospi Cash-Add-On under COCODrive PRIVATE CAR PACKAGE POLICY- DHFL General Insurance – 3 Years IRDAN155RP0046V01201819/A0077V01201819 · 29 Aug 2018 Wording Key and Lock Replacement- Add-On under COCODrive PRIVATE CAR PACKAGE POLICY- DHFL General Insurance – 3 Years IRDAN155RP0046V01201819/A0071V01201819 · 29 Aug 2018 Wording NCB (No claim Bonus) Secure- Add-On under COCODrive PRIVATE CAR PACKAGE POLICY- DHFL General Insurance – 3 Years IRDAN155RP0046V01201819/A0066V01201819 · 29 Aug 2018 Wording NCB Protector-Repair of Non- Metallic Parts- Add-On under COCODrive PRIVATE CAR PACKAGE POLICY- DHFL General Insurance – 3 Years IRDAN155RP0046V01201819/A0067V01201819 · 29 Aug 2018 Wording New Car for Old Car- Add-On under COCODrive PRIVATE CAR PACKAGE POLICY- DHFL General Insurance – 3 Years IRDAN155RP0046V01201819/A0068V01201819 · 29 Aug 2018 Wording Outstanding Loan Protector-Add-On under COCODrive PRIVATE CAR PACKAGE POLICY- DHFL General Insurance – 3 Years IRDAN155RP0046V01201819/A0079V01201819 · 29 Aug 2018 Wording Personal Belonging Protector- Add-On under COCODrive PRIVATE CAR PACKAGE POLICY- DHFL General Insurance – 3 Years IRDAN155RP0046V01201819/A0072V01201819 · 29 Aug 2018 Wording Tyre Replacement Add-On under COCODrive PRIVATE CAR PACKAGE POLICY- DHFL General Insurance – 3 Years IRDAN155RP0046V01201819/A0080V01201819 · 29 Aug 2018 Wording Zero Dep cover-Add-On under COCODrive PRIVATE CAR PACKAGE POLICY- DHFL General Insurance – 3 Years IRDAN155RP0046V01201819/A0064V01201819 · 29 Aug 2018 Wording	IRDAN155RP0046V01201819	29 Aug 2018	Wording
COCODrive Private Car Policy- DHFL General Insurance-Bundled	IRDAN155RP0051V01201819	29 Aug 2018	Wording
COCORide Two-wheeler Own Damage Policy- DHFL General Insurance 6 add-ons Consumable Expenses IRDAN155RP0003V01201920/A0016V01201920 · 16 Sep 2019 Wording Engine Protector IRDAN155RP0003V01201920/A0019V01201920 · 16 Sep 2019 Wording NCB (No claim Bonus) Protector IRDAN155RP0003V01201920/A0017V01201920 · 16 Sep 2019 Wording New vehicle for old vehicle IRDAN155RP0003V01201920/A0018V01201920 · 16 Sep 2019 Wording Road Side Assistance IRDAN155RP0003V01201920/A0020V01201920 · 16 Sep 2019 Wording Zero Dep Cover IRDAN155RP0003V01201920/A0021V01201920 · 16 Sep 2019 Wording	IRDAN155RP0003V01201920	16 Sep 2019	Wording
COCORide Two-Wheeler Package Policy- DHFL General Insurance-5 Years 12 add-ons Accidental Hospitalisation-Add-On under COCORide Two-Wheeler Package Policy- DHFL General Insurance-5 Years IRDAN155RP0050V01201819/A0060V01201819 · 29 Aug 2018 Wording Consumbles Expenses Add-On under COCORide Two-Wheeler Package Policy- DHFL General Insurance-5 Years IRDAN155RP0050V01201819/A0052V01201819 · 29 Aug 2018 Wording EMI Protector Add-On under COCORide Two-Wheeler Package Policy- DHFL General Insurance-5 Years IRDAN155RP0050V01201819/A0063V01201819 · 29 Aug 2018 Wording Engine Protector-Add-On under COCORide Two-Wheeler Package Policy- DHFL General Insurance-5 Years IRDAN155RP0050V01201819/A0056V01201819 · 29 Aug 2018 Wording Enhanced Owner Personal Accident-Add-On under COCORide Two-Wheeler Package Policy- DHFL General Insurance-5 Years IRDAN155RP0050V01201819/A0058V01201819 · 29 Aug 2018 Wording Enhanced Pillion Rider Personal Accident-Add-On under COCORide Two-Wheeler Package Policy- DHFL General Insurance-5 Years IRDAN155RP0050V01201819/A0059V01201819 · 29 Aug 2018 Wording Hospi Cash-Add-On under COCORide Two-Wheeler Package Policy- DHFL General Insurance-5 Years IRDAN155RP0050V01201819/A0061V01201819 · 29 Aug 2018 Wording NCB (No claim Bonus) Protector-Add-On under COCORide Two-Wheeler Package Policy- DHFL General Insurance-5 Years IRDAN155RP0050V01201819/A0054V01201819 · 29 Aug 2018 Wording New vehicle for old vehicle-Add-On under COCORide Two-Wheeler Package Policy- DHFL General Insurance-5 Years IRDAN155RP0050V01201819/A0055V01201819 · 29 Aug 2018 Wording Outstanding Loan Protector-Add-On under COCORide Two-Wheeler Package Policy- DHFL General Insurance-5 Years IRDAN155RP0050V01201819/A0053V01201819 · 29 Aug 2018 Wording Road Side Assistance-Add-On under COCORide Two-Wheeler Package Policy- DHFL General Insurance-5 Years IRDAN155RP0050V01201819/A0057V01201819 · 29 Aug 2018 Wording Zero Dep Cover-Add-On under COCORide Two-Wheeler Package Policy- DHFL General Insurance-5 Years IRDAN155RP0050V01201819/A0062V01201819 · 29 Aug 2018 Wording	IRDAN155RP0050V01201819	29 Aug 2018	Wording
COCORide Two-Wheeler Policy- DHFL General Insurance- Bundled	IRDAN155RP0049V01201819	29 Aug 2018	Wording
Compulsory Personal Accident (Owner-Driver) under Motor Insurance Policies	IRDAN155RP0083V01201819	12 Dec 2018	Wording
Damage from Insured own Rail/Road Vehicles,articles dropped therefrom Add-On Under SFSP(Commercial)	IRDAN155A0045V01201718	16 Mar 2018	Wording
DIGIDrive Private Car Package Policy 20 add-ons Accidental hospitalisation Add-On cover under DIGIDrive Private Car Package Policy IRDAN155RP0002V01201819/A0019V01201819 · 17 Jul 2018 Wording Consumable Expenses Add-On cover under DIGIDrive Private Car Package Policy IRDAN155RP0002V01201819/A0008V01201819 · 17 Jul 2018 Wording Daily Conveyance Allowance Add-On cover under DIGIDrive Private Car Package Policy IRDAN155RP0002V01201819/A0012V01201819 · 17 Jul 2018 Wording Depreciation Cover -Specified Limit Add-On cover under DIGIDrive Private Car Package Policy IRDAN155RP0002V01201819/A0045V01201819 · 23 Jul 2018 Wording Emergency Transport and Hotel Stay Add-On cover under DIGIDrive Private Car Package Policy IRDAN155RP0002V01201819/A0016V01201819 · 17 Jul 2018 Wording EMI Protector Add-On cover under DIGIDrive Private Car Package Policy IRDAN155RP0002V01201819/A0021V01201819 · 17 Jul 2018 Wording Engine Protector Add-On cover under DIGIDrive Private Car Package Policy IRDAN155RP0002V01201819/A0013V01201819 · 17 Jul 2018 Wording Enhanced Occupants Personal Accident Add-On cover under DIGIDrive Private Car Package Policy IRDAN155RP0002V01201819/A0017V01201819 · 17 Jul 2018 Wording Enhanced Owner Personal Accident- Add-On cover under DIGIDrive Private Car Package Policy IRDAN155RP0002V01201819/A0025V01201819 · 23 Jul 2018 Wording Enhanced Paid Driver Personal Accident Add-On cover under DIGIDrive Private Car Package Policy IRDAN155RP0002V01201819/A0018V01201819 · 17 Jul 2018 Wording Hospi Cash Add-On cover under DIGIDrive Private Car Package Policy IRDAN155RP0002V01201819/A0020V01201819 · 17 Jul 2018 Wording Key and Lock Replacement Add-On cover under DIGIDrive Private Car Package Policy IRDAN155RP0002V01201819/A0014V01201819 · 17 Jul 2018 Wording NCB (No claim Bonus) Secure Add-On cover under DIGIDrive Private Car Package Policy IRDAN155RP0002V01201819/A0009V01201819 · 17 Jul 2018 Wording NCB Protector-Repair of Non- Metallic Parts Add-On cover under DIGIDrive Private Car Package Policy IRDAN155RP0002V01201819/A0010V01201819 · 17 Jul 2018 Wording New Car for Old Car Add-On cover under DIGIDrive Private Car Package Policy IRDAN155RP0002V01201819/A0011V01201819 · 17 Jul 2018 Wording Outstanding Loan Protector Add-On cover under DIGIDrive Private Car Package Policy IRDAN155RP0002V01201819/A0022V01201819 · 17 Jul 2018 Wording Personal Belonging Protector Add-On cover under DIGIDrive Private Car Package Policy IRDAN155RP0002V01201819/A0015V01201819 · 17 Jul 2018 Wording Roadside Assistance IRDAN155RP0002V01201819/A0083V02201819 · 30 Nov 2021 Wording Tyre Replacement Add-On cover under DIGIDrive Private Car Package Policy IRDAN155RP0002V01201819/A0024V01201819 · 23 Jul 2018 Wording Zero Dep Add-On cover under DIGIDrive Private Car Package Policy IRDAN155RP0002V01201819/A0007V01201819 · 17 Jul 2018 Wording	IRDAN155RP0002V01201819	3 Jul 2018	Wording
DIGIRide Long Term Two Wheeler Package Policy 11 add-ons Accidental hospitalisation Add-On under DIGIRide Long Term Two Wheeler Package Policy IRDAN155RP0003V01201819/A0006V01201819 · 18 Jul 2018 Wording Consumable Expenses- Add-On under DIGIRide Long Term Two Wheeler Package Policy IRDAN155RP0003V01201819/A0028V01201819 · 23 Jul 2018 Wording EMI Protector Add-On under DIGIRide Long Term Two Wheeler Package Policy IRDAN155RP0003V01201819/A0043V01201819 · 23 Jul 2018 Wording Engine Protector Add-On under DIGIRide Long Term Two Wheeler Package Policy IRDAN155RP0003V01201819/A0030V01201819 · 23 Jul 2018 Wording Enhanced Owner Personal Accident Add-On under DIGIRide Long Term Two Wheeler Package Policy IRDAN155RP0003V01201819/A0026V01201819 · 23 Jul 2018 Wording Enhanced Pillion Rider Personal Accident – Add-On under DIGIRide Long Term Two Wheeler Package Policy IRDAN155RP0003V01201819/A0027V01201819 · 23 Jul 2018 Wording Hospi Cash Add-On under DIGIRide Long Term Two Wheeler Package Policy IRDAN155RP0003V01201819/A0042V01201819 · 23 Jul 2018 Wording new vehicle for old vehicle Add-On under DIGIRide Long Term Two Wheeler Package Policy IRDAN155RP0003V01201819/A0029V01201819 · 23 Jul 2018 Wording Outstanding Loan Protector Add-On under DIGIRide Long Term Two Wheeler Package Policy IRDAN155RP0003V01201819/A0044V01201819 · 23 Jul 2018 Wording Road Side Assistance Add-On under DIGIRide Long Term Two Wheeler Package Policy IRDAN155RP0003V01201819/A0023V01201819 · 19 Jul 2018 Wording Zero Dep Cover Add-On under DIGIRide Long Term Two Wheeler Package Policy IRDAN155RP0003V01201819/A0041V01201819 · 23 Jul 2018 Wording	IRDAN155RP0003V01201819	5 Jul 2018	Wording
DIGIRide Two Wheeler Package Policy 12 add-ons Accidental hospitalisation Add-On under COCORide Two-Wheeler Package Policy - DHFL General Insurance IRDAN155RP0001V01201819/A0037V01201819 · 23 Jul 2018 Wording Consumable Expenses Add-On under COCORide Two-Wheeler Package Policy - DHFL General Insurance IRDAN155RP0001V01201819/A0004V01201819 · 18 Jul 2018 Wording EMI Protector Add-On under COCORide Two-Wheeler Package Policy - DHFL General Insurance IRDAN155RP0001V01201819/A0040V01201819 · 23 Jul 2018 Wording Engine Protector Add-On under COCORide Two-Wheeler Package Policy - DHFL General Insurance IRDAN155RP0001V01201819/A0033V01201819 · 23 Jul 2018 Wording Enhanced Owner Personal Accident Add-On under COCORide Two-Wheeler Package Policy - DHFL General Insurance IRDAN155RP0001V01201819/A0035V01201819 · 23 Jul 2018 Wording Enhanced Pillion Rider Personal Accident Add-On under COCORide Two-Wheeler Package Policy - DHFL General Insurance IRDAN155RP0001V01201819/A0036V01201819 · 23 Jul 2018 Wording Hospi Cash Add-On under COCORide Two-Wheeler Package Policy - DHFL General Insurance IRDAN155RP0001V01201819/A0038V01201819 · 23 Jul 2018 Wording NCB Protector Add-On under COCORide Two-Wheeler Package Policy - DHFL General Insurance IRDAN155RP0001V01201819/A0031V01201819 · 23 Jul 2018 Wording New vehicle for old vehicle Add-On under COCORide Two-Wheeler Package Policy - DHFL General Insurance IRDAN155RP0001V01201819/A0032V01201819 · 23 Jul 2018 Wording Outstanding Loan Protector Add-On under COCORide Two-Wheeler Package Policy - DHFL General Insurance IRDAN155RP0001V01201819/A0005V01201819 · 17 Jul 2018 Wording Road Side Assistance- Add-On under COCORide Two-Wheeler Package Policy - DHFL General Insurance IRDAN155RP0001V01201819/A0034V01201819 · 23 Jul 2018 Wording Zero Dep Cover Add-On under COCORide Two-Wheeler Package Policy - DHFL General Insurance IRDAN155RP0001V01201819/A0039V01201819 · 23 Jul 2018 Wording	IRDAN155RP0001V01201819	3 Jul 2018	Wording
Liability Only Long Term Two Wheeler Insurance Policy	IRDAN155P0020V01201718	16 Jan 2018	Wording
Liability Only Private Car Policy- 3 Years	IRDAN155RP0047V01201819	29 Aug 2018	Wording
Liability Only Two-Wheeler Policy- 5 Years	IRDAN155RP0048V02201819	8 Oct 2021	Wording
Liability Only Two-Wheeler Policy- 5 Years	IRDAN155RP0048V01201819	29 Aug 2018	Wording
Navi Commercial Vehicle Liability Only Insurance	IRDAN155RP0003V02201718	10 Aug 2021	Wording
Navi Goods Carrying Vehicle Package Insurance	IRDAN155RP0002V02202021	10 Aug 2021	Wording
Navi Miscellaneous Vehicle Package Insurance	IRDAN155RP0001V02202021	10 Aug 2021	Wording
Navi Passenger Carrying Vehicle Package Insurance	IRDAN155RP0003V02202021	5 Jul 2021	Wording
Navi Private Car Liability Only Insurance	IRDAN155RP0001V02201718	10 Aug 2021	Wording
Navi Private Car Liability Only Insurance- 3 Years	IRDAN155RP0047V03201819	10 Aug 2021	Wording
Navi Private Car Own-Damage Only Insurance	IRDAN155RP0002V02201920	10 Aug 2021	Wording
Navi Private Car Package Insurance	IRDAN155RP0002V02201819	10 Aug 2021	Wording
Navi Two-Wheeler Liability Only Insurance	IRDAN155RP0002V02201718	10 Aug 2021	Wording
Navi Two-Wheeler Liability Only Insurance – 5 Years	IRDAN155RP0048V03201819	30 Nov 2021	Wording
Navi Two-Wheeler Long Term Package Insurance	IRDAN155RP0003V02201819	10 Aug 2021	Wording
Navi Two-Wheeler Long TermLiability Only Insurance	IRDAN155RP0020V02201718	10 Aug 2021	Wording
Navi Two-Wheeler Own-Damage Only Insurance	IRDAN155RP0003V02201920	10 Aug 2021	Wording
Navi Two-Wheeler Package Insurance	IRDAN155RP0001V02201819	10 Aug 2021	Wording

Add-ons filed on their own (46)

Add-ons whose parent product is not itself in the register, or which were filed without one.

Add-on	UIN	Approved	Policy wording
Architects, Surveyors and Consulting Engineers Fees Add-On cover under SFSP (Retail)	IRDAN155A0005V01201718	21 Nov 2017	Wording
Architects, Surveyors, Engineers Fees in excess of 3% claim amount Add-On Under SFSP(Commercial)	IRDAN155A0040V01201718	16 Mar 2018	Wording
Automatic reinstatement Add-On under Contractor's All Risks Insurance policy	IRDAN155A0039V01201718	2 Mar 2018	Wording
Breakage of Glass Add-On under Contractor's All Risks Insurance policy	IRDAN155A0023V01201718	2 Mar 2018	Wording
Clearance and Removal of Debris Add-On under Contractor's All Risks Insurance policy	IRDAN155A0033V01201718	2 Mar 2018	Wording
Construction Machineries Plant and Equipments Extension Add-on cover under CAR	IRDAN155A0056V01201718	2 Mar 2018	Wording
Continuity of Cover Add-On under Contractor's All Risks Insurance policy	IRDAN155A0035V01201718	2 Mar 2018	Wording
Cover for Increased Customs Duty Add-On under Contractor's All Risks Insurance policy	IRDAN155A0030V01201718	2 Mar 2018	Wording
Deterioration of stocks in cold storage premises Add-On cover under SFSP (Retail)	IRDAN155A0008V01201718	21 Nov 2017	Wording
Deterioration of Stocks in Cold Storage premises Add-On cover under SFSP(Retail)	IRDAN155A0007V01201718	21 Nov 2017	Wording
Deterioration of Stocks in Cold Storage premises due to accidental power failure (SFSP-Commercial)	IRDAN155A0042V01201718	16 Mar 2018	Wording
Earthquake (Fire and Shock) Add-On cover under SFSP (Retail)	IRDAN155A0013V01201718	21 Nov 2017	Wording
Earthquake (Fire and Shock) Add-On Under SFSP(Commercial)	IRDAN155A0048V01201718	16 Mar 2018	Wording
Endoresement for Extended Maintenance Cover Add-On under Contractor's All Risks Insurance policy	IRDAN155A0032V01201718	2 Mar 2018	Wording
Endorsement For Air Freight Add-on cover under CAR	IRDAN155A0055V01201718	2 Mar 2018	Wording
Endorsement For Air Freight Add-On under Contractor's All Risks Insurance policy	IRDAN155A0029V01201718	2 Mar 2018	Wording
Endorsement for Maintenance visit cover Add-On under Contractor's All Risks Insurance policy	IRDAN155A0031V01201718	2 Mar 2018	Wording
Escalation Clause Add-On under Contractor's All Risks Insurance policy	IRDAN155A0027V01201718	2 Mar 2018	Wording
Extra Charges Express Freight etc., Excluding Air Freight Add-On under CAR Insurance policy	IRDAN155A0028V01201718	2 Mar 2018	Wording
Forest Fire Add-On cover under SFSP (Retail)	IRDAN155A0009V01201718	21 Nov 2017	Wording
Forest Fire Add-On Under SFSP(Commercial)	IRDAN155A0044V01201718	16 Mar 2018	Wording
Impact Damage - Add-On cover under SFSP (Retail)	IRDAN155A0010V01201718	21 Nov 2017	Wording
Insurance of Additional Expenses of Rent for Alternative Accommodation Add-On Under SFSP(Commercial)	IRDAN155A0053V01201718	16 Mar 2018	Wording
Leakage and Contamination Cover Add-On cover under SFSP (Retail)	IRDAN155A0015V01201718	21 Nov 2017	Wording
Leakage and Contamination Cover Add-On Under SFSP(Commercial)	IRDAN155A0050V01201718	16 Mar 2018	Wording
Limited defective condition exclusion (DE 2) Add-On under Contractor's All Risks Insurance policy	IRDAN155A0037V01201718	2 Mar 2018	Wording
Limited defective condition exclusion (DE 3) Add-On under Contractor's All Risks Insurance policy	IRDAN155A0038V01201718	2 Mar 2018	Wording
Loss of Rent clause Add-On cover under SFSP(Retail)	IRDAN155A0017V01201718	21 Nov 2017	Wording
Loss of Rent clause Add-On Under SFSP(Commercial)	IRDAN155A0052V01201718	16 Mar 2018	Wording
Omission to Insure additions etc clause Add-On cover under SFSP(Retail)	IRDAN155A0012V01201718	21 Nov 2017	Wording
Omission to Insure additions, alteration or extensions clause Add-On Under SFSP(Commercial)	IRDAN155A0047V01201718	16 Mar 2018	Wording
Owners surrounding property Add-On under Contractor's All Risks Insurance policy	IRDAN155A0026V01201718	2 Mar 2018	Wording
Removal of Debris (in excess of 1% claim amount) Add-On Under SFSP(Commercial)	IRDAN155A0041V01201718	16 Mar 2018	Wording
Removal of Debris Add-On cover under SFSP (Retail)	IRDAN155A0006V01201718	21 Nov 2017	Wording
Spoilage Material Damage Cover Add-On cover under SFSP (Retail)	IRDAN155A0014V01201718	21 Nov 2017	Wording
Spoilage Material Damage Cover Add-On Under SFSP(Commercial)	IRDAN155A0049V01201718	16 Mar 2018	Wording
Spontaneous Combustion Add-On cover under SFSP (Retail)	IRDAN155A0011V01201718	21 Nov 2017	Wording
Spontaneous Combustion Add-On Under SFSP(Commercial)	IRDAN155A0046V01201718	16 Mar 2018	Wording
Startup Expenses Add-On cover under SFSP (Retail)	IRDAN155A0019V01201718	21 Nov 2017	Wording
Startup Expenses Add-On Under SFSP(Commercial)	IRDAN155A0054V01201718	16 Mar 2018	Wording
Stocks Deterioration in cold storage due to change in temperature Add-On Under SFSP(Commercial)	IRDAN155A0043V01201718	16 Mar 2018	Wording
Temporary Removal of Stocks Clause Add-On cover under SFSP (Retail)	IRDAN155A0016V01201718	21 Nov 2017	Wording
Temporary Removal of Stocks Clause Add-On Under SFSP(Commercial)	IRDAN155A0051V01201718	16 Mar 2018	Wording
TPL Cover for WITH OR WITHOUT cross liability extensions Add-On under CAR Insurance policy	IRDAN155A0025V01201718	2 Mar 2018	Wording
Valuable documents Cover Add-On under Contractor's All Risks Insurance policy	IRDAN155A0036V01201718	2 Mar 2018	Wording
Waiver of subrogation clause Add-On under Contractor's All Risks Insurance policy	IRDAN155A0034V01201718	2 Mar 2018	Wording

Names in the register

IRDAI registration number 155. Filed as: DHFL GENERAL INSURANCE LIMITED; Navi General Insurance Limited.

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 Navi General policy wordings?

Above: every Navi General 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 Navi General general insurance products are in IRDAI's register?

35 products and 138 add-ons, approved 2017 to 2021.

Which lines of cover does Navi General file most?

By number of products in the register: motor 29, fire and property 4, engineering 1, liability 1.

Why are Navi General products filed under another name?

The register keeps each product under the name the insurer used when it filed. Navi General Insurance: formerly DHFL General Insurance.

All insurers · comparing wordings · what to do when a claim is disputed · claim settlement ratios.

Want a wording read against your own risk before renewal? An IRDAI-registered advisor will do it, free: request a callback or WhatsApp +91 92514 56334.