{"uin":"IRDAN103RP0019V01200102","name":"Baggage","url":"https://indiainsurances.com/policy/indusind-general-insurance/baggage-irdan103rp0019v01200102","insurer":{"slug":"indusind-general-insurance","name":"IndusInd General Insurance Company Limited","url":"https://indiainsurances.com/insurer/indusind-general-insurance"},"line":"general","category":"other-general","category_name":"Other general insurance","irdai_type":null,"kind":"product","status":"active","approved_on":"2001-08-05","withdrawn_on":null,"summary":"The policy insures accompanied personal baggage of the insured, family members or employees while travelling on tour or holiday. It covers loss or damage due to fire, riot and strike, terrorist activity, theft or accident, and the CIS states the baggage is covered during the journey including stoppage enroute anywhere in the world.","analysis":{"state":"machine","analysed_at":"2026-10-20 02:47:06.057069+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"Annual policies and policies covering specified journey are referred to. The exact period is the period stated in the Schedule.","display":"Annual policies; policies covering specified journey","note":"The exact duration for a specified journey is not printed in the wording.","quote":"Annual policies: The Company may at any time, cancel this policy ... Policies covering specified journey: The Insured may cancel the policy covering specified journey prior to the date meant for the commencement of journey","sources":[{"clause":"16(d)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/indusind-general-insurance/baggage-irdan103rp0019v01200102/document/9900#c-16-d"},{"clause":null,"heading":"Table of Short Period Scales","page":3,"url":"https://indiainsurances.com/policy/indusind-general-insurance/baggage-irdan103rp0019v01200102/document/9900#c-table-of-short-period-scales"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"The insured must give immediate written notice to the nearest office of the Company, copy the policy issuing office, lodge a Police complaint forthwith, and deliver a detailed written statement within 14 days of knowing the loss or damage.","display":"Immediate written notice; detailed statement within 14 days","note":null,"quote":"Give immediate notice thereof in writing to the nearest office of the Company with a copy to the policy issuing office of the Company as well as lodge forthwith a complaint with the Police. ... Deliver to the Company, within 14 days of the date on which the loss or damage shall have come to his knowledge, a detailed statement in writing","sources":[{"clause":"16(a)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/indusind-general-insurance/baggage-irdan103rp0019v01200102/document/9900#c-16-a"},{"clause":"16(c)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/indusind-general-insurance/baggage-irdan103rp0019v01200102/document/9900#c-16-c"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["a complaint with the Police","a detailed statement in writing, of the loss or damage","an estimate of the intrinsic value of the item(s) of personal baggage lost","the amount of damage sustained","all reasonable information, assistance and proof","an affidavit or statutory declaration in substantiation of such claim, if required"],"display":"Police complaint, detailed written loss statement with value estimate and damage amount, reasonable information/proof, and affidavit or statutory declaration if required","note":null,"quote":"lodge forthwith a complaint with the Police. ... Deliver to the Company, within 14 days of the date on which the loss or damage shall have come to his knowledge, a detailed statement in writing, of the loss or damage, with an estimate of the intrinsic value of the item(s) of personal baggage lost and the amount of damage sustained; and ... Tender to the Company all reasonable information, assistance and proof in connection with any claim and if required make an affidavit or statutory declaration in substantiation of such claim.","sources":[{"clause":"16(a)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/indusind-general-insurance/baggage-irdan103rp0019v01200102/document/9900#c-16-a"},{"clause":"16(c)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/indusind-general-insurance/baggage-irdan103rp0019v01200102/document/9900#c-16-c"},{"clause":"16(d)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/indusind-general-insurance/baggage-irdan103rp0019v01200102/document/9900#c-16-d"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"quote-verified","value":"The CIS says the insurer will decide on the claim within seven days of receipt of the survey report. This condition will not apply in case of claims on the property/building insured on reinstatement value basis.","display":"Decide on the claim within seven days of receipt of the survey report","note":"From the CIS; the policy wording does not print a claim settlement time.","quote":"Turn Around Time (TAT) for claims settlement - The insurer sh decide on the claim within seven days of receipt of the survey repo This condition will not apply in case of claims on the property/buildi insured on reinstatement value basis.","sources":[{"clause":"Row 10(ii)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/indusind-general-insurance/baggage-irdan103rp0019v01200102/document/9753#c-row-10-ii"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Damage caused by any process of cleaning, dyeing or bleaching, restoring, repairing or renovation or deterioration arising from wear and tear, moth, vermin, insects or mildew or any other gradually operating cause.","Breakage, cracking or scratching of crockery, glass, cameras, binoculars, lenses, sculptures, curios, pictures, musical instruments, sports gear and similar articles of brittle and fragile nature, unless caused by fire or accident to the means of conveyance.","Loss or damage caused by mechanical or electrical derangement / breakdown, of any article, unless caused by accidental external means.","Overwinding and denting or internal damage of watches.","Loss or damage to money, securities, manuscripts, deeds, bonds, bills of exchange, promissory notes, stocks or share certificates, stamps and travel tickets or travellers' cheques, business books or documents, unless specifically declared for insurance and accepted by the Company.","Loss, destruction or damage caused by or arising from the leakage, spilling or exuding of liquids, oils or materials of like nature or articles of dangerous or damaging nature.","Theft of the personal baggage from any car except car of fully enclosed saloon type having at the time all the doors, windows and other openings securely locked and properly fastened.","Loss of or damage to articles which did not form part of the personal baggage when the journey commenced unless specifically declared and accepted by the Company.","Loss, destruction of or damage to such item(s) of personal baggage as are of consumable or of perishable nature.","Loose articles such as sticks, umbrellas, sun-shades, fans, deck chairs, property in use on the voyage and/or journey or articles whilst being worn on the person or carried about.","Loss or damage whether direct or indirect arising from war, warlike operations, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, insurrection, civil commotion, military or usurped power, seizure, capture, confiscation, arrests, restraints and detainment by Order of any government or any other authority.","Any loss or damage arising through delay, detention or confiscation by Customs or other authorities.","loss, destruction, damage or legal liability directly or indirectly caused by or contributed to, by or arising from nuclear weapons material.","Any consequential loss arising out of loss or damage to the personal baggage covered.","Loss or damage due to or contributed to by the Insured having caused or suffered anything to be done whereby the risks hereby insured against were unnecessarily increased; and misfeasance, malfeasance or nonfeasance or breach of trust by the Insured."],"display":"Cleaning/repair/wear and tear, fragile articles, mechanical/electrical breakdown, watches, money/documents, leakage, theft from unlocked/non-saloon cars, new articles not declared, consumables/perishables, loose articles, war/government seizure, customs delay/confiscation, nuclear/radioactivity, consequential loss, increased risk or breach of trust","note":null,"quote":"Damage caused by any process of cleaning, dyeing or bleaching, restoring, repairing or renovation or deterioration arising from wear and tear, moth, vermin, insects or mildew or any other gradually operating cause. ... Breakage, cracking or scratching of crockery, glass, cameras, binoculars, lenses, sculptures, curios, pictures, musical instruments, sports gear and similar articles of brittle and fragile nature, unless caused by fire or accident to the means of conveyance. ... Loss or damage caused by mechanical or electrical derangement / breakdown, of any article, unless caused by accidental external means. ... Overwinding and denting or internal damage of watches. ... Loss or damage to money, securities, manuscripts, deeds, bonds, bills of exchange, promissory notes, stocks or share certificates, stamps and travel tickets or travellers' cheques, business books or documents, unless specifically declared for insurance and accepted by the Company. ... Loss, destruction or damage caused by or arising from the leakage, spilling or exuding of liquids, oils or materials of like nature or articles of dangerous or damaging nature. ... Theft of the personal baggage from any car except car of fully enclosed saloon type having at the time all the doors, windows and other openings securely locked and properly fastened. ... Loss of or damage to articles which did not form part of the personal baggage when the journey commenced unless specifically declared and accepted by the Company. ... Loss, destruction of or damage to such item(s) of personal baggage as are of consumable or of perishable nature. ... Loose articles such as sticks, umbrellas, sun-shades, fans, deck chairs, property in use on the voyage and/or journey or articles whilst being worn on the person or carried about. ... Loss or damage whether direct or indirect arising from war, warlike operations, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, insurrection, civil commotion, military or usurped power, seizure, capture, confiscation, arrests, restraints and detainment by Order of any government or any other authority. ... Any loss or damage arising through delay, detention or confiscation by Customs or other authorities. ... directly or indirectly, caused by or contributed to, by, or arising from ionising radiation or contamination by radioactivity from any source whatsoever. ... Any loss, destruction, damage or legal liability directly or indirectly caused by or contributed to, by or arising from nuclear weapons material. ... Any consequential loss arising out of loss or damage to the personal baggage covered. ... Loss or damage due to or contributed to by the Insured having caused or suffered anything to be done whereby the risks hereby insured against were unnecessarily increased. ... Loss of or damage to the personal baggage insured under this policy due to any misfeasance, malfeasance or nonfeasance or breach of trust in relation thereto by the Insured.","sources":[{"clause":"1","heading":null,"page":1,"url":"https://indiainsurances.com/policy/indusind-general-insurance/baggage-irdan103rp0019v01200102/document/9900#c-1"},{"clause":"2","heading":null,"page":1,"url":"https://indiainsurances.com/policy/indusind-general-insurance/baggage-irdan103rp0019v01200102/document/9900#c-2"},{"clause":"3","heading":null,"page":1,"url":"https://indiainsurances.com/policy/indusind-general-insurance/baggage-irdan103rp0019v01200102/document/9900#c-3"},{"clause":"4","heading":null,"page":1,"url":"https://indiainsurances.com/policy/indusind-general-insurance/baggage-irdan103rp0019v01200102/document/9900#c-4"},{"clause":"5","heading":null,"page":1,"url":"https://indiainsurances.com/policy/indusind-general-insurance/baggage-irdan103rp0019v01200102/document/9900#c-5"},{"clause":"6","heading":null,"page":1,"url":"https://indiainsurances.com/policy/indusind-general-insurance/baggage-irdan103rp0019v01200102/document/9900#c-6"},{"clause":"7","heading":null,"page":1,"url":"https://indiainsurances.com/policy/indusind-general-insurance/baggage-irdan103rp0019v01200102/document/9900#c-7"},{"clause":"8","heading":null,"page":1,"url":"https://indiainsurances.com/policy/indusind-general-insurance/baggage-irdan103rp0019v01200102/document/9900#c-8"},{"clause":"9","heading":null,"page":1,"url":"https://indiainsurances.com/policy/indusind-general-insurance/baggage-irdan103rp0019v01200102/document/9900#c-9"},{"clause":"10","heading":null,"page":1,"url":"https://indiainsurances.com/policy/indusind-general-insurance/baggage-irdan103rp0019v01200102/document/9900#c-10"},{"clause":"11","heading":null,"page":1,"url":"https://indiainsurances.com/policy/indusind-general-insurance/baggage-irdan103rp0019v01200102/document/9900#c-11"},{"clause":"12","heading":null,"page":1,"url":"https://indiainsurances.com/policy/indusind-general-insurance/baggage-irdan103rp0019v01200102/document/9900#c-12"},{"clause":"14","heading":null,"page":2,"url":"https://indiainsurances.com/policy/indusind-general-insurance/baggage-irdan103rp0019v01200102/document/9900#c-14"},{"clause":"15","heading":null,"page":2,"url":"https://indiainsurances.com/policy/indusind-general-insurance/baggage-irdan103rp0019v01200102/document/9900#c-15"},{"clause":"16","heading":null,"page":2,"url":"https://indiainsurances.com/policy/indusind-general-insurance/baggage-irdan103rp0019v01200102/document/9900#c-16"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"First contact the Company with grievance details through its website, e-mail, telephone, post/courier or correspondence address. If not satisfied with the Company's redressal through these methods, the policyholder may approach the nearest Insurance Ombudsman.","display":"First contact the Company through website, e-mail, telephone, post/courier or correspondence address; then Ombudsman if not satisfied","note":null,"quote":"If the Policyholder has a grievance that the Policyholder wishes the Company to redress, the Policyholder may contact the Company with the details of his grievance through:\nWebsite | www.indusindinsurance.com\ne-mail | services@indusindinsurance.com\nTelephone | 022 4890 3009 (paid)\nPost/Courier | Any branch office, the correspondence address, during normal business hours\nWrite to us at (Correspondence Only) | IndusInd General Insurance, 6th Floor, Oberoi Commerz, International Business Park, Oberoi Garden City, Off. Western Express Highway, Goregaon (E), Mumbai - 400063 ... If the Policyholder is not satisfied with the Company's redressal of the Policyholder's grievance through one of the above methods, the Policyholder may approach the nearest Insurance Ombudsman for resolution of the grievance.","sources":[{"clause":null,"heading":"Table of Short Period Scales","page":3,"url":"https://indiainsurances.com/policy/indusind-general-insurance/baggage-irdan103rp0019v01200102/document/9900#c-table-of-short-period-scales"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"perils","label":"What is covered","section":"Cover","meaning":"The events or risks covered.","status":"quote-verified","value":["fire","riot and strike","terrorist activity","theft","accident"],"display":"fire, riot and strike, terrorist activity, theft or accident","note":"Cover applies while the insured, family members or employees are travelling on tour and/or on holiday.","quote":"lost, destroyed or damaged by fire, riot and strike, terrorist activity, theft or accident, anytime whilst the Insured and/or members of his family and/or his employees is/are travelling on tour and/ or on holiday","sources":[{"clause":null,"heading":"OPERATIVE CLAUSE","page":1,"url":"https://indiainsurances.com/policy/indusind-general-insurance/baggage-irdan103rp0019v01200102/document/9900#c-operative-clause"}],"law":[]},{"key":"deductible","label":"Deductible or excess","section":"Limits and co-pay","meaning":"Amount of each claim you bear.","status":"not-stated","value":null,"display":null,"note":"The CIS says the first amount of each loss is the excess shown in the policy schedule, but the schedule amount is not provided.","quote":null,"sources":[],"law":[]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"For annual policies, the insured may cancel with 7 days' written notice; the Company retains premium for the period the policy was in force at the short period scales if no claim has occurred. For policies covering a specified journey, cancellation before the journey commencement date gives a refund of the premium paid.","display":"Annual policy: 7 days' notice; short-period premium retained if no claim. Specified journey: full premium refund if cancelled before journey starts.","note":null,"quote":"The Insured may also give 7 days notice in writing, to the Company, for the cancellation of this policy, in which case Company shall retain premium for the period this policy has been in force at the Company's short period scales (Table given herebelow), provided no claim has occurred up to the date of cancellation of this policy. ... Period of Risk (Not exceeding) | Premium to be retained (% of the Annual Rate)\n1 Week | 10%\n1 Month | 25%\n2 Months | 35%\n3 Months | 50%\n4 Months | 60%\n6 Months | 75%\n8 Months | 85%\nExceeding 8 Months | Full Annual Premium\nPolicies covering specified journey: The Insured may cancel the policy covering specified journey prior to the date meant for the commencement of journey, in which case the Company shall refund to the Insured the premium paid for the same.","sources":[{"clause":"16(d)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/indusind-general-insurance/baggage-irdan103rp0019v01200102/document/9900#c-16-d"},{"clause":null,"heading":"Table of Short Period Scales","page":3,"url":"https://indiainsurances.com/policy/indusind-general-insurance/baggage-irdan103rp0019v01200102/document/9900#c-table-of-short-period-scales"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"quote-verified","value":"The CIS says the policy covers accompanied personal baggage during the journey, including stoppage enroute, anywhere in the world.","display":"Anywhere in the world during the journey including stoppage enroute","note":"From the CIS; the policy wording states cover while travelling in all places and situations but does not use the words anywhere in the world.","quote":"This policy provides cover for accompanied personal baggage of eve kind and description of the Insured or his family members or employe during the journey including stoppage enroute, anywhere in the world.","sources":[{"clause":"Row 5","heading":"Interests Insured","page":1,"url":"https://indiainsurances.com/policy/indusind-general-insurance/baggage-irdan103rp0019v01200102/document/9753#c-row-5"}],"law":[]},{"key":"subject_covered","label":"What is insured","section":"Cover","meaning":"The thing or risk this policy covers.","status":"quote-verified","value":"The policy indemnifies the intrinsic value of accompanied personal baggage of the insured, family members or employees that is lost, destroyed or damaged while travelling on tour and/or on holiday.","display":"Accompanied personal baggage of the insured, family members or employees","note":null,"quote":"to indemnify, the Insured to the extent of the intrinsic value of the accompanied personal baggage of the Insured or member(s) of his family or his employees lost, destroyed or damaged","sources":[{"clause":null,"heading":"OPERATIVE CLAUSE","page":1,"url":"https://indiainsurances.com/policy/indusind-general-insurance/baggage-irdan103rp0019v01200102/document/9900#c-operative-clause"}],"law":[]}],"documents":[{"kind":"wording","label":"Baggage Ins PW Retail","pages":6,"fetched_at":"2026-10-17 19:53:47+00","source_url":"https://www.indusindinsurance.com/downloads/baggage-ins-pw-retail","url":"https://indiainsurances.com/policy/indusind-general-insurance/baggage-irdan103rp0019v01200102/document/9900"},{"kind":"cis","label":"Baggage","pages":6,"fetched_at":"2026-10-17 19:48:37+00","source_url":"https://www.indusindinsurance.com/downloads/baggage-cis","url":"https://indiainsurances.com/policy/indusind-general-insurance/baggage-irdan103rp0019v01200102/document/9753"}],"versions":[{"uin":"GEN057","version":null,"approved_on":null},{"uin":"IRDAN103RP0019V01200102","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"IndusInd General Insurance official website","url":"https://www.indusindinsurance.com/","note":"Buy directly from the insurer."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"insurer","name":"Car insurance claim","url":"https://www.indusindinsurance.com/car-insurance-claim","note":null},{"purpose":"claim","kind":"insurer","name":"Health insurance claims","url":"https://www.indusindinsurance.com/health-insurance-claims","note":null},{"purpose":"claim","kind":"insurer","name":"Travel insurance claim","url":"https://www.indusindinsurance.com/travel-insurance-claim","note":null},{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"insurer","name":"Grievance redressal","url":"https://www.indusindinsurance.com/about-us/grievance-redressal","note":null},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"renew","kind":"insurer","name":"Renew car insurance","url":"https://www.indusindinsurance.com/car-insurance/renew-car-insurance","note":null},{"purpose":"renew","kind":"insurer","name":"Renew health insurance","url":"https://www.indusindinsurance.com/health-insurance/health-insurance-renewal","note":null}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"Baggage (UIN IRDAN103RP0019V01200102), IndiaInsurances, https://indiainsurances.com/policy/indusind-general-insurance/baggage-irdan103rp0019v01200102"}