{"uin":"IRDAN106RP0029V01202223","name":"IFFCO-TOKIO Drone Rakshak Insurance Policy","url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/iffco-tokio-drone-rakshak-insurance-policy-irdan106rp0029v01202223","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":"IFFCO-Tokio Drone Rakshak Insurance Policy covers insured drone risks within India, including third-party legal liability, physical damage to the drone body, personal accident to the operator and accidental medical expenses to the operator. Claims must be notified within 15 days, and Section 2 partial-loss claims have a deductible of 5% of each claim amount subject to a minimum of INR 2500 unless altered in the policy schedule.","analysis":{"state":"machine","analysed_at":"2026-10-20 04:44:37.794787+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":"No named plans or variants are stated; the documents describe coverage sections and optional covers.","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 wording points to the risk inception and risk end dates shown in the Policy Schedule, but no fixed policy term is stated.","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":"You must immediately, and in any event within 15 days, give written notice to the Company or its representatives of any matter that may lead to a loss, liability or claim.","display":"Immediately and in any event within 15 days, give written notice to the Company.","note":null,"quote":"You shall immediately and in any event within 15 days give written notice about any matter which may lead to a loss liability or claim under this Policy to the Company or any of its representatives and appointees","sources":[{"clause":"5.1","heading":"You shall immediately and in any event within 15 days give written","page":22,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/iffco-tokio-drone-rakshak-insurance-policy-irdan106rp0029v01202223/document/8849#c-5-1"}],"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":["completed claim form detailing the damage that has occurred","an estimate of the quantum of any claim","all documentation required to support and substantiate the amount of Indemnification sought","books of accounts, receipts, documents relating to or containing entries relating to the loss"],"display":"Completed claim form, estimate of claim amount, supporting documentation, and if required books of accounts, receipts and documents relating to the loss.","note":null,"quote":"You shall within 90 days deliver to the Company its completed claim form detailing the damage that has occurred and an estimate of the quantum of any claim along with all documentation required to support and substantiate the amount of Indemnification sought from the Company, and ... produce all books of accounts, receipts, documents relating to or containing entries relating to the loss or such circumstance in his possession and furnish copies of or extracts from them as may be required by Us","sources":[{"clause":"5.3","heading":"You shall within 90 days deliver to the Company its completed claim","page":22,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/iffco-tokio-drone-rakshak-insurance-policy-irdan106rp0029v01202223/document/8849#c-5-3"},{"clause":"8","heading":"Right to Inspect","page":26,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/iffco-tokio-drone-rakshak-insurance-policy-irdan106rp0029v01202223/document/8849#c-8-2"}],"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":"On receipt of all required relevant claim information/documents, the insurer must offer settlement within 30 days, or reject within 30 days from receipt of the last relevant and necessary document. If the claim is not settled within 30 days, interest is payable at 2% above the bank rate from receipt of the last relevant and necessary document until actual payment.","display":"Within 30 days from receipt of all required relevant documents; interest at 2% above bank rate if not settled within 30 days.","note":null,"quote":"On receipt of all required information/ documents that are relevant and necessary for the claim, We shall, within a period of 30 days offer a settlement of the claim to You. If We, for any reasons, decide to reject a claim under the Certificate of Insurance read with Policy, We shall do so within a period of 30 days from the receipt of last relevant and necessary document. ... In the event the claim is not settled within 30 days as stipulated above, We shall be liable to pay interest at a rate, which is 2% above the bank rate from the date of receipt of last relevant and necessary document from You/claimant by Us till the date of actual payment","sources":[{"clause":"6.11","heading":"On receipt of all required information/ documents that are relevant and","page":25,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/iffco-tokio-drone-rakshak-insurance-policy-irdan106rp0029v01202223/document/8849#c-6-11"},{"clause":"6.12","heading":null,"page":25,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/iffco-tokio-drone-rakshak-insurance-policy-irdan106rp0029v01202223/document/8849#c-6-12"}],"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, acts of foreign enemies, hostilities","Night Flying Operations.","Beyond Visual line of sight (BVLOS) operations.","Loss of earnings, loss by delay, loss of market or other consequential or indirect loss or damage of any kind or description whatsoever.","Loss, damage, cost or expense of whatsoever nature directly or indirectly caused by, resulting from or in connection with any act of terrorism","Any discharge or release of munitions whether intentional or unintentional.","Wear and tear, deterioration, depreciation and freezing.","Any damage arising out of Electrical and mechanical breakdown.","Mysterious disappearance or unexplained losses.","Loss or Damage occurring due to gross negligence.","Any loss or liability arising out of drone if it does not comply with the mandatory safety feature as notified by Central Government.","No claim shall be admissible for drones where the remote pilot has not reported an accident within forty-eight hours of its occurrence to the Director General through the digital sky platform."],"display":"Main exclusions include war and hijacking perils, night flying, BVLOS, consequential loss, terrorism, munitions, wear and tear, electrical/mechanical breakdown, mysterious disappearance, gross negligence, non-compliance with mandatory safety features, and failure to report an accident within forty-eight hours.","note":null,"quote":"1(a) War, Invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, martial law, military or usurped power or attempts at usurpation of power. ... 3. Night Flying Operations. ... 4. Beyond Visual line of sight (BVLOS) operations. ... 5. Loss of earnings, loss by delay, loss of market or other consequential or indirect loss or damage of any kind or description whatsoever. ... 8. Loss, damage, cost or expense of whatsoever nature directly or indirectly caused by, resulting from or in connection with any act of terrorism regardless of any other cause or event contributing concurrently or in any other sequence to the loss unless specifically insured. ... 10. Any discharge or release of munitions whether intentional or unintentional. ... Wear and tear, deterioration, depreciation and freezing. ... Any damage arising out of Electrical and mechanical breakdown. ... Mysterious disappearance or unexplained losses. ... Loss or Damage occurring due to gross negligence. ... 15. Any loss or liability arising out of drone if it does not comply with the mandatory safety feature as notified by Central Government. ... 17. Mandatory reporting of an accident. –– No claim shall be admissible for drones where the remote pilot has not reported an accident within forty-eight hours of its occurrence to the Director General through the digital sky platform.","sources":[{"clause":null,"heading":"General Exclusions Applicable To All Sections","page":16,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/iffco-tokio-drone-rakshak-insurance-policy-irdan106rp0029v01202223/document/8849#c-general-exclusions-applicable-to-all-sections"},{"clause":"2.2","heading":null,"page":11,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/iffco-tokio-drone-rakshak-insurance-policy-irdan106rp0029v01202223/document/8849#c-2-2"},{"clause":"2.4","heading":null,"page":11,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/iffco-tokio-drone-rakshak-insurance-policy-irdan106rp0029v01202223/document/8849#c-2-4"},{"clause":"2.8","heading":null,"page":11,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/iffco-tokio-drone-rakshak-insurance-policy-irdan106rp0029v01202223/document/8849#c-2-8"},{"clause":"2.16","heading":null,"page":12,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/iffco-tokio-drone-rakshak-insurance-policy-irdan106rp0029v01202223/document/8849#c-2-16"},{"clause":null,"heading":"Drones)","page":19,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/iffco-tokio-drone-rakshak-insurance-policy-irdan106rp0029v01202223/document/8849#c-drones"}],"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 IFFCO-Tokio through its website, toll-free number, support email, courier to the Chief Grievance Officer, or a company branch. If not satisfied with that redressal, contact the grievance officer at chiefgrievanceofficer@iffcotokio.co.in before approaching the Insurance Ombudsman.","display":"Contact IFFCO-Tokio first: website www.iffcotokio.co.in, toll-free 18001035499, email support@iffcotokio.co.in, courier to Chief Grievance Officer; if not satisfied, contact chiefgrievanceofficer@iffcotokio.co.in.","note":null,"quote":"In case of any grievance You may contact the company through\n1. Website : | www.iffcotokio.co.in\n2. Toll Free : | 18001035499\n3. Email | : | support@iffcotokio.co.in\n4. Courier : | Chief Grievance Officer\nIFFCO-Tokio General Insurance Company Limited IFFCO TOWER – II ,Plot No.3, Sector-29, Gurgaon Haryana-122001 ... Insured person may also approach the grievance cell at any of the company’s branches with the details of grievance\nIf You are not satisfied with the redressal of grievance through one of the\nabove methods, You | may contact the grievance officer at\nchiefgrievanceofficer@iffcotokio.co.in","sources":[{"clause":"21","heading":"Grievances","page":30,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/iffco-tokio-drone-rakshak-insurance-policy-irdan106rp0029v01202223/document/8849#c-21-2"}],"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":["Legal Liability (including Defence Costs) to pay Damages, for third party civil claims arising out of Bodily Injury or death or Property Damage caused by a Drone due to an accident or a handling error","repair/replacement cost of the Insured Drone arising out of An Accident","Theft","Bodily Injury sustained by You / Authorised Operator anywhere in India while operating drones","medical expenses incurred because of a Bodily Injury sustained during the Policy Period and arising out of Flight of the covered Drone for Insured Use"],"display":"Third-party legal liability including defence costs; physical damage to the drone from accident or theft; operator personal accident; operator accidental medical expenses.","note":null,"quote":"We will indemnify You against Your Legal Liability (including Defence Costs) to pay Damages, for third party civil claims arising out of Bodily Injury or death or Property Damage caused by a Drone due to an accident or a handling error on part of the Authorized Operator ... We will indemnify You in respect of repair/replacement cost of the Insured Drone arising out of:\ni) . An Accident (Including loss of possession of Drone as a result of an Accident),\nii) . Theft ... In the event of any Bodily Injury sustained by You / Authorised Operator anywhere in India while operating drones during the Policy Period and arising out of an Accident, We will make payment as provided for below. ... if You / Authorised Operator are Hospitalized on advice of a Doctor because of a Bodily Injury sustained during the Policy Period and arising out of Flight of the covered Drone for Insured Use, then We shall reimburse reasonable and customary medical expenses incurred","sources":[{"clause":null,"heading":"INDEMNITY (What is Covered:)","page":8,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/iffco-tokio-drone-rakshak-insurance-policy-irdan106rp0029v01202223/document/8849#c-indemnity-what-is-covered"},{"clause":null,"heading":"Drone Hull Cover","page":10,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/iffco-tokio-drone-rakshak-insurance-policy-irdan106rp0029v01202223/document/8849#c-drone-hull-cover"},{"clause":null,"heading":"COVERAGE (What is Covered: )","page":13,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/iffco-tokio-drone-rakshak-insurance-policy-irdan106rp0029v01202223/document/8849#c-coverage-what-is-covered"},{"clause":null,"heading":"COVERAGE (What is Covered:)","page":15,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/iffco-tokio-drone-rakshak-insurance-policy-irdan106rp0029v01202223/document/8849#c-coverage-what-is-covered-2"}],"law":[]},{"key":"deductible","label":"Deductible or excess","section":"Limits and co-pay","meaning":"Amount of each claim you bear.","status":"quote-verified","value":"You bear the deductible for each and every claim. For Section 2 partial loss claims, the deductible is the first 5% of each claim amount subject to a minimum of INR 2500, unless specifically revised and mentioned in the Policy Schedule.","display":"Each claim is subject to a deductible; Section 2 partial loss: first 5% of claim amount, minimum INR 2500, unless revised in the Policy Schedule.","note":null,"quote":"Deductible means the amount which shall be borne by You in respect of each and every claim made under this Policy. Our liability to make any payment under the Policy is in excess of the Deductible. ... The deductible of first 5% of each and every claim amount subject to a minimum of INR 2500, unless specifically revised and altered by Us and mentioned in the Policy Schedule. The deductible shall apply for each and every partial loss claim arising out of the perils in respect of which You are indemnified by this section. The deductible shall apply per event.","sources":[{"clause":"7","heading":"Deductible","page":4,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/iffco-tokio-drone-rakshak-insurance-policy-irdan106rp0029v01202223/document/8849#c-7"},{"clause":"2.1","heading":"The deductible of first 5% of each and every claim amount subject to a","page":11,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/iffco-tokio-drone-rakshak-insurance-policy-irdan106rp0029v01202223/document/8849#c-2-1"}],"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":"You may cancel by giving at least 7 days' written notice. If no claim was made, the insurer retains 20% of annual premium up to 1 month, 30% for 1-2 months, 40% for 2-3 months, 50% for 3-4 months, 60% for 4-5 months, 70% for 5-6 months, 75% for 6-7 months, 80% for 7-8 months, 85% for 8-9 months, and full annual premium for 9 months and above; no refund is due if a claim was made.","display":"Cancel with at least 7 days' notice; refund is annual premium less short-period retention of 20%, 30%, 40%, 50%, 60%, 70%, 75%, 80%, 85% or full annual premium depending on period of risk, with no refund if a claim was made.","note":null,"quote":"This policy may be cancelled by You at any time by giving at least 7 days written notice to Us. We will refund premium according to Our Short Period Rates set out below: ... Upto1month | 20 % of the Annual Premium.\n1 month and above, up to 2 months | 30 % of the Annual Premium.\n2 months and above, up to 3 months | 40 % of the Annual Premium.\n3 months and above, up to 4 months | 50 % of the Annual Premium.\n4 months and above, up to 5 months | 60 % of the Annual Premium. ... 5 months and above, up to 6 months | 70 % of the Annual Premium.\n6 months and above, up to 7 months | 75 % of the Annual premium.\n7 months and above, up to 8 months | 80 % of the Annual Premium.\n8 months and above, up to 9 months | 85 % of the Annual Premium.\n9 months and above | Full Annual Premium. ... No refund of premium shall be due if You have made a Claim under this policy.","sources":[{"clause":"12","heading":"Cancellation","page":27,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/iffco-tokio-drone-rakshak-insurance-policy-irdan106rp0029v01202223/document/8849#c-12-2"},{"clause":null,"heading":"Table of Short Period Rates","page":27,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/iffco-tokio-drone-rakshak-insurance-policy-irdan106rp0029v01202223/document/8849#c-table-of-short-period-rates"}],"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 policy covers insured risks within India, and admissible claims are paid within India and in Indian Rupees only.","display":"Within India; claims paid within India and in Indian Rupees only.","note":null,"quote":"This Policy covers Your Insured risk arising after the policy commencement date and during the Policy Period within India. Our liability to make any payment under admissible claims shall be to make payment to You within India and in Indian Rupees only.","sources":[{"clause":"19","heading":"Territorial Limits","page":29,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/iffco-tokio-drone-rakshak-insurance-policy-irdan106rp0029v01202223/document/8849#c-19-2"}],"law":[]},{"key":"subject_covered","label":"What is insured","section":"Cover","meaning":"The thing or risk this policy covers.","status":"quote-verified","value":"The policy insures the Drone / RPA*/UAV* mentioned in the Policy Schedule, including any Payload, and covers third-party legal liability, repair/replacement cost of the insured drone, operator personal accident and accidental medical expenses.","display":"Drone / RPA*/UAV* mentioned in the Policy Schedule, including any Payload, with liability, drone damage, operator personal accident and operator medical expense covers.","note":null,"quote":"Drone / RPA*/UAV* means an Unmanned Aircraft System (UAS) mentioned in the Policy Schedule and covered under this policy (bearing a valid Unique Identification Number [UIN] if applicable as per DGCA Guidelines or any other statutory authority) including any Payload. ... We will indemnify You against Your Legal Liability (including Defence Costs) to pay Damages, for third party civil claims arising out of Bodily Injury or death or Property Damage caused by a Drone ... We will indemnify You in respect of repair/replacement cost of the Insured Drone ... In the event of any Bodily Injury sustained by You / Authorised Operator anywhere in India while operating drones during the Policy Period and arising out of an Accident ... We shall reimburse reasonable and customary medical expenses incurred","sources":[{"clause":"9","heading":"Drone / RPA*/UAV*","page":4,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/iffco-tokio-drone-rakshak-insurance-policy-irdan106rp0029v01202223/document/8849#c-9"},{"clause":null,"heading":"INDEMNITY (What is Covered:)","page":8,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/iffco-tokio-drone-rakshak-insurance-policy-irdan106rp0029v01202223/document/8849#c-indemnity-what-is-covered"},{"clause":null,"heading":"Drone Hull Cover","page":10,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/iffco-tokio-drone-rakshak-insurance-policy-irdan106rp0029v01202223/document/8849#c-drone-hull-cover"},{"clause":null,"heading":"COVERAGE (What is Covered: )","page":13,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/iffco-tokio-drone-rakshak-insurance-policy-irdan106rp0029v01202223/document/8849#c-coverage-what-is-covered"},{"clause":null,"heading":"COVERAGE (What is Covered:)","page":15,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/iffco-tokio-drone-rakshak-insurance-policy-irdan106rp0029v01202223/document/8849#c-coverage-what-is-covered-2"}],"law":[]}],"documents":[{"kind":"wording","label":"IFFCO-TOKIO Drone Rakshak Insurance Policy","pages":46,"fetched_at":"2026-10-17 19:50:02+00","source_url":"https://www.iffcotokio.co.in/content/dam/iffcotokio/iffco-pdf/sites/default/files/policy-wording-IFFCO-Tokio-DRIP.pdf","url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/iffco-tokio-drone-rakshak-insurance-policy-irdan106rp0029v01202223/document/8849"},{"kind":"prospectus","label":"IFFCO-TOKIO Drone Rakshak Insurance Policy","pages":6,"fetched_at":"2026-10-17 19:48:19+00","source_url":"https://www.iffcotokio.co.in/content/dam/iffcotokio/prospectus/other-insurance/drone_rakshak_insurance.pdf","url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/iffco-tokio-drone-rakshak-insurance-policy-irdan106rp0029v01202223/document/8760"}],"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":"IFFCO-TOKIO Drone Rakshak Insurance Policy (UIN IRDAN106RP0029V01202223), IndiaInsurances, https://indiainsurances.com/policy/iffco-tokio-general-insurance/iffco-tokio-drone-rakshak-insurance-policy-irdan106rp0029v01202223"}