{"uin":"IRDAN106CPMR0001V01202425","name":"Energy Exploration & Construction Policy","url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/energy-exploration-and-construction-policy-irdan106cpmr0001v01202425","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":"Energy Exploration & Construction Policy insures loss, damage, liabilities, costs and expenses for energy exploration and construction risks. The policy period is up to 84 months and the territory varies by section, including worldwide cover for some sections and onshore and offshore India for operators extra expense wells.","analysis":{"state":"machine","analysed_at":"2026-10-20 03:53:59.123135+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 documents describe policy sections and tailor-made cover, but do not state named plans or 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":"quote-verified","value":"Upto 84 months from 00:01 a.m. local standard time at the location of the property or operations insured.","display":"Upto 84 months","note":null,"quote":"THE PERIOD OF INSURANCE\nUpto 84 months from at 00:01 a.m. Local Standard Time at the location of the property or operations insured.","sources":[{"clause":null,"heading":"POLICY SCHEDULE","page":1,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/energy-exploration-and-construction-policy-irdan106cpmr0001v01202425/document/8809#c-policy-schedule"}],"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 notice of any occurrence that may result in a claim as soon as practicable, stating the time, place, cause and circumstances. For Section Five, some accident notifications must be received by the insurer within 90 days.","display":"As soon as practicable; Section Five accident notification within 90 days in stated cases","note":null,"quote":"The Insured shall give to the Insurers, as soon as practicable, notice of any Occurrence which may result in a claim under this Insurance, stating the time, place, cause and circumstances of such Occurrence. ... the Insured gives written notification of such accident which notification is received by the Insurers within 90 days of such accident","sources":[{"clause":null,"heading":"2. NOTICE AND PROOF OF LOSS","page":4,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/energy-exploration-and-construction-policy-irdan106cpmr0001v01202425/document/8809#c-2-notice-and-proof-of-loss"},{"clause":"1(b)","heading":null,"page":57,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/energy-exploration-and-construction-policy-irdan106cpmr0001v01202425/document/8809#c-1-b"}],"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":["notice of any Occurrence stating the time, place, cause and circumstances","a detailed, sworn Proof of Loss and Payment Order","all records, agreements, contracts or other documents needed to determine or substantiate a claim"],"display":"Notice with time, place, cause and circumstances; sworn Proof of Loss and Payment Order; records, agreements, contracts or other documents needed","note":null,"quote":"notice of any Occurrence which may result in a claim under this Insurance, stating the time, place, cause and circumstances of such Occurrence. ... a detailed, sworn Proof of Loss and Payment Order. ... all records, agreements, contracts or other documents needed to determine or substantiate a claim.","sources":[{"clause":null,"heading":"2. NOTICE AND PROOF OF LOSS","page":4,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/energy-exploration-and-construction-policy-irdan106cpmr0001v01202425/document/8809#c-2-notice-and-proof-of-loss"}],"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":"not-stated","value":null,"display":null,"note":"No timeframe for deciding or paying a claim was found in the documents.","quote":null,"sources":[],"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, hostile or warlike action","ionizing radiations from or contamination by radioactivity","Terrorism Exclusion","loss, damage, destruction, distortion, erasure, corruption or alteration of ELECTRONIC DATA","loss, damage, cost or expense caused directly or indirectly by, arising out of, resulting from, contributed to by, or related in any way to “mould”","wear and tear, mechanical or electrical breakdown or failure","infidelity or any dishonest act","loss of use or delay, loss of hole, loss of contract or income or profits","any fines or penalties imposed under the laws of any State or Nation or other Government entity","any punitive or exemplary damages including any other damages resulting from multiplication of compensatory damages","Bodily Injury or Property Damage directly or indirectly caused by or arising out of seepage, pollution or contamination","any act, negligence, error or omission, malpractice or mistake arising out of professional services"],"display":"War, nuclear/radioactive contamination, terrorism, electronic data, mould, wear and tear, dishonesty, consequential loss, fines, punitive damages, seepage/pollution, professional services","note":"Exclusions vary by section; the listed items are general exclusions and major section exclusions.","quote":"war, hostile or warlike action ... ionizing radiations from or contamination by radioactivity from any nuclear fuel or from any nuclear waste or from the combustion of nuclear fuel; ... Terrorism Exclusion ... loss, damage, destruction, distortion, erasure, corruption or alteration of ELECTRONIC DATA from any cause whatsoever ... loss, damage, cost or expense caused directly or indirectly by, arising out of, resulting from, contributed to by, or related in any way to “mould” ... wear and tear, mechanical or electrical breakdown or failure ... infidelity or any dishonest act ... loss of use or delay, loss of hole, loss of contract or income or profits ... any fines or penalties imposed under the laws of any State or Nation or other Government entity ... any punitive or exemplary damages including any other damages resulting from multiplication of compensatory damages ... for Bodily Injury or Property Damage directly or indirectly caused by or arising out of seepage, pollution or contamination however caused whenever or wherever happening ... for any act, negligence, error or omission, malpractice or mistake arising out of professional services","sources":[{"clause":null,"heading":"2. DEFINITION OF “OCCURRENCE”","page":7,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/energy-exploration-and-construction-policy-irdan106cpmr0001v01202425/document/8809#c-2-definition-of-occurrence"},{"clause":"8(c)(i)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/energy-exploration-and-construction-policy-irdan106cpmr0001v01202425/document/8809#c-8-c-i"},{"clause":"8(c)(iv)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/energy-exploration-and-construction-policy-irdan106cpmr0001v01202425/document/8809#c-8-c-iv"},{"clause":"4","heading":"PERILS NOT INSURED AGAINST","page":13,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/energy-exploration-and-construction-policy-irdan106cpmr0001v01202425/document/8809#c-4-2"},{"clause":"9","heading":"EXCLUSIONS","page":23,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/energy-exploration-and-construction-policy-irdan106cpmr0001v01202425/document/8809#c-9-2"},{"clause":"18(b)(iii)","heading":null,"page":54,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/energy-exploration-and-construction-policy-irdan106cpmr0001v01202425/document/8809#c-18-b-iii-2"},{"clause":"4(c)","heading":null,"page":65,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/energy-exploration-and-construction-policy-irdan106cpmr0001v01202425/document/8809#c-4-c-6"}],"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":"For grievances, contact IFFCO Tokio through the grievance-redressal website, toll free 1800-103-5499, chiefgrievanceofficer@iffcotokio.co.in, the Chief Grievance Officer at Gurgaon, or the grievance cell at any company branch.","display":"IFFCO Tokio grievance website, toll free 1800-103-5499, chiefgrievanceofficer@iffcotokio.co.in, Chief Grievance Officer or branch grievance cell","note":null,"quote":"In case of any grievance, the insured may contact IFFCO Tokio General Insurance Co. Ltd. Through\nWebsite: https://www.iffcotokio.co.in/customer-services/grievance-redressal ... Toll free: 1800-103-5499\nEmail: | chiefgrievanceofficer@iffcotokio.co.in ... Address : Chief Grievance Officer IFFCO-Tokio General Insurance Co Ltd IFFCO Tower, Plot no. 3 Sector -29, Gurgaon – 122001 ... Insured may also approach the grievance cell at any of the company’s branches with the details of grievance.","sources":[{"clause":null,"heading":"4. GRIEVANCES","page":11,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/energy-exploration-and-construction-policy-irdan106cpmr0001v01202425/document/8809#c-4-grievances"}],"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":["all risks of direct physical loss of or physical damage to the property insured from any external cause","Control of Well Insurance","Redrilling/Extra Expense Insurance","Seepage and Pollution, Clean-up and Containment Insurance","Loss of production income","certain physical damage and liabilities incurred by the Insureds","Bodily Injury or Property Damage caused by an Occurrence","legal and/or contractual liabilities to third parties, owners and/or disponent owners of the Chartered Vessel","Physical loss or physical damage caused by an act of sabotage and / or terrorism"],"display":"Property all risks, control of well, redrilling/extra expense, seepage and pollution clean-up, loss of production income, construction physical damage and liabilities, liability, charterers and contractors legal liability, sabotage and terrorism","note":null,"quote":"This Section 1 insures against all risks of direct physical loss of or physical damage to the property insured from any external cause except as hereinafter excluded. ... Control of Well Insurance ... Redrilling/Extra Expense Insurance ... Seepage and Pollution, Clean-up and Containment Insurance ... Loss of production income resulting directly from necessary interruption of or interference with business ... this Section Four provides coverage for certain physical damage and liabilities incurred by the Insureds. ... for Bodily Injury or Property Damage caused by an Occurrence ... their legal and/or contractual liabilities to third parties, owners and/or disponent owners of the Chartered Vessel ... Physical loss or physical damage occurring during the period of this Policy caused by an act of sabotage and / or terrorism","sources":[{"clause":"2","heading":"PERILS INSURED","page":12,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/energy-exploration-and-construction-policy-irdan106cpmr0001v01202425/document/8809#c-2-2"},{"clause":"1","heading":"COVERAGE","page":21,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/energy-exploration-and-construction-policy-irdan106cpmr0001v01202425/document/8809#c-1-3"},{"clause":"1","heading":"COVERAGE","page":32,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/energy-exploration-and-construction-policy-irdan106cpmr0001v01202425/document/8809#c-1-4"},{"clause":null,"heading":"OFFSHORE CONSTRUCTION PROJECT POLICY","page":35,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/energy-exploration-and-construction-policy-irdan106cpmr0001v01202425/document/8809#c-offshore-construction-project-policy"},{"clause":"18(b)(ii)","heading":null,"page":51,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/energy-exploration-and-construction-policy-irdan106cpmr0001v01202425/document/8809#c-18-b-ii"},{"clause":"1(a)","heading":null,"page":74,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/energy-exploration-and-construction-policy-irdan106cpmr0001v01202425/document/8809#c-1-a-2"},{"clause":"Section VII(i)","heading":null,"page":77,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/energy-exploration-and-construction-policy-irdan106cpmr0001v01202425/document/8809#c-section-vii-i"}],"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 deductible is the sum stated in the Policy Schedule, but the provided schedule is a blank template and does not state an amount.","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":"If the insured cancels, the company retains premium at the customary short period rate for the time the policy has been in force.","display":"Company retains premium at customary short period rate for time in force","note":null,"quote":"This insurance may be terminated at any time at the request of the Insured, in which case the Company will retain the premium at customary short period rate for the time the policy has been in force.","sources":[{"clause":null,"heading":"7. CANCELLATION","page":5,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/energy-exploration-and-construction-policy-irdan106cpmr0001v01202425/document/8809#c-7-cancellation"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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 energy exploration and construction companies for physical damage in onshore or offshore activities, liabilities and business interruption. The insurer agrees to insure against loss, damage, liabilities, costs and expenses according to the selected policy sections.","display":"Energy exploration and construction risks: physical damage, liabilities, business interruption, costs and expenses","note":null,"quote":"IFFCO-TOKIO General Insurance Company Limited provides a one stop solution to the energy exploration & construction companies, which faces a high range of risk exposures starting from physical damage involved in onshore or offshore activities, or liabilities or business interruption. ... THE INSURER HEREBY AGREE to insure the Insured against loss/ damage/ liabilities/ costs and expenses in accordance with the terms, conditions and limitations contained in this Policy.","sources":[{"clause":null,"heading":"ENERGY EXPLORATION & CONSTRUCTION POLICY","page":1,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/energy-exploration-and-construction-policy-irdan106cpmr0001v01202425/document/8717#c-energy-exploration-construction-policy"},{"clause":null,"heading":"ENERGY EXPLORATION & CONSTRUCTION POLICY","page":1,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/energy-exploration-and-construction-policy-irdan106cpmr0001v01202425/document/8809#c-energy-exploration-construction-policy"}],"law":[]}],"documents":[{"kind":"wording","label":"Energy Exploration & Construction Policy","pages":118,"fetched_at":"2026-10-17 19:49:07+00","source_url":"https://www.iffcotokio.co.in/content/dam/iffcotokio/policy-wordings/other-insurance/policy-wording-exploration-construction-policy.pdf","url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/energy-exploration-and-construction-policy-irdan106cpmr0001v01202425/document/8809"},{"kind":"prospectus","label":"Energy Exploration & Construction Policy","pages":4,"fetched_at":"2026-10-17 19:47:30+00","source_url":"https://www.iffcotokio.co.in/content/dam/iffcotokio/prospectus/marine/prospectus-construction-package-policy.pdf","url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/energy-exploration-and-construction-policy-irdan106cpmr0001v01202425/document/8717"}],"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":"Energy Exploration & Construction Policy (UIN IRDAN106CPMR0001V01202425), IndiaInsurances, https://indiainsurances.com/policy/iffco-tokio-general-insurance/energy-exploration-and-construction-policy-irdan106cpmr0001v01202425"}