{"uin":"IRDAN106CP0003V01202324","name":"Comprehensive Large Risk Insurance","url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/comprehensive-large-risk-insurance-irdan106cp0003v01202324","insurer":{"slug":"iffco-tokio-general-insurance","name":"IFFCO TOKIO General Insurance Company Limited","url":"https://indiainsurances.com/insurer/iffco-tokio-general-insurance"},"line":"general","category":"other-general","category_name":"Other general insurance","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Comprehensive Large Risk Insurance is an industrial and commercial all-risk package covering non-marine property, machinery and business interruption for risks in India. Claims must be notified within 30 days for property damage, while business interruption occurrences require immediate notice and written confirmation within 48 hours.","analysis":{"state":"machine","analysed_at":"2026-10-20 04:44:59.046363+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":"The wording describes policy sections and optional covers, but no named plan variants.","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":"not-stated","value":null,"display":null,"note":"The specimen schedule has inception and expiry date fields, but no fixed policy term is printed.","quote":null,"sources":[],"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":"Written notice of any loss, destruction or damage must be given forthwith and in any case within 30 days by email or facsimile / mail. For Section II business interruption, the insured must immediately notify the insurer and send written confirmation within 48 hours of the occurrence.","display":"Within 30 days; Section II: immediately, with written confirmation within 48 hours","note":"The 48-hour written confirmation requirement is under the special conditions for Section II business interruption.","quote":"On the happening of any loss, destruction or damage, the Insured shall forthwith give written notice thereof to the Insurer in any case within 30 days by email or facsimile / mail ... The Insured shall immediately notify The Insurer and send it written confirmation thereof within forty-eight hours of the occurrence;","sources":[{"clause":"4.4","heading":"CLAIMS","page":17,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/comprehensive-large-risk-insurance-irdan106cp0003v01202324/document/8821#c-4-4"},{"clause":"11.8(b)(i)","heading":null,"page":76,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/comprehensive-large-risk-insurance-irdan106cp0003v01202324/document/8821#c-11-8-b-i"}],"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 claim in writing for the loss, destruction or damage","Particulars of all other insurances","particulars, plans, specifications, books, vouchers, invoices, duplicates or copies thereof, documents, proofs and information","declaration on oath or in other legal form","a written statement setting forth particulars of the claim","books of account and other business books or other evidence"],"display":"Written claim with particulars; other insurances; particulars, plans, specifications, books, vouchers, invoices, documents, proofs and information; declaration on oath/legal form; for BI, written statement and books/evidence","note":"Section II business interruption also requires a written statement within 30 days after the interruption or within a further period allowed by the insurer.","quote":"a claim in writing for the loss, destruction or damage containing as particular an account as may be reasonably practicable of all the several articles or items of Property damaged or destroyed ... Particulars of all other insurances which are or could be applicable to loss, if any. ... particulars, plans, specifications, books, vouchers, invoices, duplicates or copies thereof, documents, proofs and information ... together with a declaration on oath or in other legal form ... a written statement setting forth particulars of the claim. ... books of account and other business books or other evidence","sources":[{"clause":"4.4(i)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/comprehensive-large-risk-insurance-irdan106cp0003v01202324/document/8821#c-4-4-i"},{"clause":"4.4(ii)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/comprehensive-large-risk-insurance-irdan106cp0003v01202324/document/8821#c-4-4-ii"},{"clause":"11.8(d)","heading":null,"page":77,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/comprehensive-large-risk-insurance-irdan106cp0003v01202324/document/8821#c-11-8-d"},{"clause":"11.8(e)","heading":null,"page":77,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/comprehensive-large-risk-insurance-irdan106cp0003v01202324/document/8821#c-11-8-e"}],"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":"Interim payment is made within 30 days of agreement to the loss adjuster’s report. For Section II business interruption, any amount due is paid one month after final determination of the amount due.","display":"Interim payment within 30 days of agreement to loss adjuster’s report; Section II amount due one month after final determination","note":"The 30-day promise is for interim payment; the one-month final payment wording is in Section II.","quote":"Within 30 days of agreement to the loss adjuster’s report, the Insurer will make interim payment of the claim amount as recommended by loss adjuster & agreed by the Insured. ... The Insurer shall pay The Insured any amount due under this Section one month after final determination of the amount due.","sources":[{"clause":"4.6","heading":"INTERIM PAYMENTS","page":18,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/comprehensive-large-risk-insurance-irdan106cp0003v01202324/document/8821#c-4-6"},{"clause":"11.7","heading":"PAYMENT OF INDEMNITY","page":76,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/comprehensive-large-risk-insurance-irdan106cp0003v01202324/document/8821#c-11-7"}],"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":["War, Invasion, act of foreign enemy, hostilities or warlike operations","Sabotage and Terrorism","Confiscation, requisition, sequestration, nationalization or similar act","nuclear weapons material","ionizing radiation or contamination by radioactivity","Loss of or damage to data or software","Normal Wear and tear, gradual deterioration, extreme rusting, extreme corrosion","Failure, breakdown, malfunction, derangement of any mechanical or electrical or electronic machine apparatus or equipment whatsoever","Any consequential loss or damage","Property in course of construction or erection or dismantling or undergoing testing or commissioning","Road vehicles (other than motor vehicles and construction plant & machinery used exclusively on the Insured’s premises), waterborne vessels or craft, aircrafts or helicopters","Loss or damage for which the manufacturer or supplier of the property is responsible either by law or under contract"],"display":"War and related perils, sabotage/terrorism, confiscation, nuclear/radioactivity, data/software loss, wear and tear, machinery breakdown, consequential loss, property under construction/testing, vehicles/vessels/aircraft, manufacturer/supplier responsibility","note":"This is a selective list of main exclusions from the general exclusions and section exclusions.","quote":"War, Invasion, act of foreign enemy, hostilities or warlike operations ... Sabotage and Terrorism. ... Confiscation, requisition, sequestration, nationalization or similar act. ... nuclear weapons material. ... ionizing radiation or contamination by radioactivity ... Loss of or damage to data or software ... Normal Wear and tear, gradual deterioration, extreme rusting, extreme corrosion ... Failure, breakdown, malfunction, derangement of any mechanical or electrical or electronic machine apparatus or equipment whatsoever ... Any consequential loss or damage ... Property in course of construction or erection or dismantling or undergoing testing or commissioning ... Road vehicles (other than motor vehicles and construction plant & machinery used exclusively on the Insured’s premises), waterborne vessels or craft, aircrafts or helicopters ... Loss or damage for which the manufacturer or supplier of the property is responsible either by law or under contract.","sources":[{"clause":"4.17(i)","heading":null,"page":22,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/comprehensive-large-risk-insurance-irdan106cp0003v01202324/document/8821#c-4-17-i"},{"clause":"4.17(b)","heading":null,"page":22,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/comprehensive-large-risk-insurance-irdan106cp0003v01202324/document/8821#c-4-17-b"},{"clause":"4.17(a)","heading":null,"page":22,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/comprehensive-large-risk-insurance-irdan106cp0003v01202324/document/8821#c-4-17-a-2"},{"clause":"4.17(b)","heading":null,"page":22,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/comprehensive-large-risk-insurance-irdan106cp0003v01202324/document/8821#c-4-17-b-2"},{"clause":"7.2(v)","heading":null,"page":28,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/comprehensive-large-risk-insurance-irdan106cp0003v01202324/document/8821#c-7-2-v"},{"clause":"7.3","heading":"EXCLUDED PROPERTY","page":29,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/comprehensive-large-risk-insurance-irdan106cp0003v01202324/document/8821#c-7-3"},{"clause":"11.3","heading":"EXCLUSIONS FOR BUSINESS INTERRUPTION","page":74,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/comprehensive-large-risk-insurance-irdan106cp0003v01202324/document/8821#c-11-3"}],"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":"The policyholder may register a grievance on www.iffcotokio.co.in, contact the office from where the policy was bought, or contact the grievance officer at IFFCO-Tokio’s corporate office. The email given is chiefgrievanceofficer@iffcotokio.co.in.","display":"Website, issuing office or grievance officer; email chiefgrievanceofficer@iffcotokio.co.in","note":null,"quote":"Policyholder/ Insured Person(s) may register a grievance or complaint by visiting the website www.iffcotokio.co.in. Policyholder may also contact the offices from where they have bought the policy or the grievance officer who can be reached at IFFCO-Tokio’s corporate office. ... E-Mail ID: chiefgrievanceofficer@iffcotokio.co.in","sources":[{"clause":"4.17","heading":"GRIEVANCES","page":21,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/comprehensive-large-risk-insurance-irdan106cp0003v01202324/document/8821#c-4-17"}],"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":["risks of fortuitous and accidental physical loss or damage or destruction to the Property Insured","accidental physical damage to machinery and / or equipment insured caused by an Accident","Loss of Gross Profits"],"display":"All-risk physical loss/damage to property, accidental machinery/equipment damage, and loss of gross profits from business interruption","note":"Section II B loss of profit for machinery breakdown is stated as applicable only if opted.","quote":"risks of fortuitous and accidental physical loss or damage or destruction to the Property Insured ... accidental physical damage to machinery and / or equipment insured caused by an Accident ... Loss of Gross Profits , the loss actually sustained during the indemnity period resulting from a reduction in turnover including any increased cost of working due to an interruption of The Insured’s business","sources":[{"clause":"7.1","heading":"INSURING CLAUSE","page":28,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/comprehensive-large-risk-insurance-irdan106cp0003v01202324/document/8821#c-7-1"},{"clause":"8.1","heading":"INSURING CLAUSE","page":33,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/comprehensive-large-risk-insurance-irdan106cp0003v01202324/document/8821#c-8-1"},{"clause":"Section II","heading":"B:- Loss of Profit - Machinery Breakdown","page":8,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/comprehensive-large-risk-insurance-irdan106cp0003v01202324/document/8821#c-section-ii-3"}],"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 wording says the insured bears the deductible stated in the schedule for each occurrence, but the specimen schedule does not print deductible amounts.","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":"The insured may terminate the insurance at any time. On cancellation, the premium due to the insurer is calculated in ratable proportion to the time the policy has remained in force.","display":"Pro-rata premium for the time the policy remained in force","note":null,"quote":"This insurance may be terminated at any time at the request of the Insured and may also be terminated at the option of the insurers on 90 days written notice to that effect being given to the Insured. In either case the premium due to the Insurer shall be calculated in ratable proportion to the time the policy has remained in force.","sources":[{"clause":"4.7","heading":"CANCELLATION","page":18,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/comprehensive-large-risk-insurance-irdan106cp0003v01202324/document/8821#c-4-7"}],"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 geographical limits and jurisdiction are India.","display":"India","note":null,"quote":"Geographical Limits | India\nJurisdiction | India","sources":[{"clause":"2","heading":"SCHEDULE","page":9,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/comprehensive-large-risk-insurance-irdan106cp0003v01202324/document/8821#c-2"}],"law":[]},{"key":"subject_covered","label":"What is insured","section":"Cover","meaning":"The thing or risk this policy covers.","status":"quote-verified","value":"The policy covers non-marine property of the insured and property held in trust/commission/joint account or otherwise insurable, machinery and equipment, and business interruption loss of gross profits following insured property or machinery damage.","display":"Non-marine property, machinery/equipment, and business interruption loss of gross profits","note":null,"quote":"All (non – marine) property of The Insured and / or held by them in trust and / or on commission and / or in joint account with others and / or for which they have an insurable interest ... All Machinery and Equipment including electrical or electronic machinery of The Insured’s plants including spare parts ... To indemnify The Insured in respect of Loss of Gross Profits","sources":[{"clause":null,"heading":"POLICY SECTIONS:-","page":8,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/comprehensive-large-risk-insurance-irdan106cp0003v01202324/document/8821#c-policy-sections"},{"clause":"Section I","heading":"B : All Risk Machinery Insurance","page":8,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/comprehensive-large-risk-insurance-irdan106cp0003v01202324/document/8821#c-section-i"},{"clause":"Section II","heading":"B:- Loss of Profit - Machinery Breakdown","page":8,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/comprehensive-large-risk-insurance-irdan106cp0003v01202324/document/8821#c-section-ii-3"}],"law":[]}],"documents":[{"kind":"wording","label":"Comprehensive Large Risk Insurance","pages":86,"fetched_at":"2026-10-17 19:49:23+00","source_url":"https://www.iffcotokio.co.in/content/dam/iffcotokio/policy-wordings/other-insurance/comprehensive-large-risk-Insurance-policy.pdf","url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/comprehensive-large-risk-insurance-irdan106cp0003v01202324/document/8821"},{"kind":"prospectus","label":"Comprehensive Large Risk Insurance","pages":10,"fetched_at":"2026-10-17 19:48:56+00","source_url":"https://www.iffcotokio.co.in/content/dam/iffcotokio/prospectus/other-insurance/comprehensive_large_risk_insurance_policy.pdf","url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/comprehensive-large-risk-insurance-irdan106cp0003v01202324/document/8791"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"IFFCO TOKIO General Insurance official website","url":"https://www.iffcotokio.co.in/","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":"Claims","url":"https://www.iffcotokio.co.in/claims","note":null},{"purpose":"claim","kind":"insurer","name":"Register a claim","url":"https://www.iffcotokio.co.in/claims/register-a-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.iffcotokio.co.in/contact-us/customer-services/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 policy","url":"https://www.iffcotokio.co.in/renew-policy","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":"Comprehensive Large Risk Insurance (UIN IRDAN106CP0003V01202324), IndiaInsurances, https://indiainsurances.com/policy/iffco-tokio-general-insurance/comprehensive-large-risk-insurance-irdan106cp0003v01202324"}