{"uin":"IRDAN108CP0053V01201819","name":"Product Recall Insurance","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/product-recall-insurance-irdan108cp0053v01201819","insurer":{"slug":"tata-aig-general-insurance","name":"Tata AIG General Insurance Company Limited","url":"https://indiainsurances.com/insurer/tata-aig-general-insurance"},"line":"general","category":"other-general","category_name":"Other general insurance","irdai_type":null,"kind":"product","status":"active","approved_on":"2015-08-26","withdrawn_on":null,"summary":"Product Recall Insurance covers Product Recall Expense and Product Recall Expense Liability arising from a Covered Incident in India. A Covered Incident is recall, recovery of possession or control, or disposal of insured products because their use or consumption has caused or imminently threatens bodily injury or property damage.","analysis":{"state":"machine","analysed_at":"2026-10-20 02:41:43.273919+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 Coverage A and Coverage B, but does not state 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 wording refers to the Policy Period and consecutive annual periods but does not state a fixed policy term.","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":"Immediate written notice must be given as soon as practicable, with particulars identifying the insured and information on the time, place and circumstances of the Covered Incident and estimated Product Recall Expense or Product Recall Expense Liability.","display":"Immediate written notice as soon as practicable","note":null,"quote":"In the event of a Covered Incident, whether or not such incident appears to involve this Policy, immediate written notice will be given by or for you, to us, or any of our authorized representatives as soon as practicable containing particulars sufficient to identify you, and information with respect to the time, place and circumstances of the Covered Incident and estimated Product Recall Expense or Product Recall Expense Liability.","sources":[{"clause":"1","heading":"In the event of a Covered Incident, whether or not such incident appears to","page":9,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/product-recall-insurance-irdan108cp0053v01201819/document/17059#c-1-5"}],"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":"not-stated","value":null,"display":null,"note":"The wording asks for notice particulars but does not list claim documents.","quote":null,"sources":[],"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":null,"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":["the cost or expense to repair, recondition, decontaminate or otherwise treat the recalled products so as to render them marketable","a decrease in product sales realized subsequent to the announcement of the Covered Incident","Your Product(s) is similar to, or Your Product(s) has the same trade or brand name but is of a different batch","an intentional act or omission that you knew or should have known could reasonably lead to a Covered Incident","natural deterioration, decomposition or transformation of chemical structure","your dishonest, wilful, wanton, fraudulent, criminal or malicious act, error or omission","any breach of the warranties of fitness, quality, efficacy or efficiency","an assumption of liability in a contract or agreement","any pre-existing condition or situation that you knew or should have known of prior to the initial attachment of coverage","the sale of Your Product(s) after you knew or should have known that Your Product(s) had been banned or declared unsafe by any governmental authority","intervention by any governmental or public authority","deliberate or alleged contamination, tamper or adulteration","any act of terrorism","testing for, monitoring of, cleaning up, removing, containing, treating, detoxifying, or neutralizing or in any way responding to or assessing the effects of Pollutants","fines or penalties, punitive or exemplary damages, or the multiplied portion of multiplied damages"],"display":"Main exclusions include repair or treatment of recalled products, lost sales or customer approval costs, similar or different-batch products, intentional acts, natural deterioration, dishonest or fraudulent acts, warranty breaches, assumed contractual liability, pre-existing conditions, banned or unsafe products, governmental intervention, deliberate contamination, terrorism, pollutants, and fines or penalties.","note":null,"quote":"We will not pay for Product Recall Expense for the cost or expense to repair, recondition, decontaminate or otherwise treat the recalled products so as to render them marketable. ... Arising out of a decrease in product sales realized subsequent to the announcement of the Covered Incident and due to loss of customer faith or approval, as well as any costs incurred to attempt an increase in product sales or to regain customer approval; B. You incur because Your Product(s) is similar to, or Your Product(s) has the same trade or brand name but is of a different batch than, the product which has been, or is being, recalled; ... C. Arising out of an intentional act or omission that you knew or should have known could reasonably lead to a Covered Incident; D. Arising out of the natural deterioration, decomposition or transformation of chemical structure except as a result of error or omission in the manufacture of the products; E. Arising from your dishonest, wilful, wanton, fraudulent, criminal or malicious act, error or omission; F. Arising out of any breach of the warranties of fitness, quality, efficacy or efficiency. G. Which you are obligated to pay by reason of an assumption of liability in a contract or agreement that you would not have in the absence of the contract or agreement. H. Arising out of any pre-existing condition or situation that you knew or should have known of prior to the initial attachment of coverage under this Policy or any predecessor Policy issued by us or any affiliated companies, which could cause a Covered Incident. ... I) Based on the sale of Your Product(s) after you knew or should have known that Your Product(s) had been banned or declared unsafe by any governmental authority. J. Arising solely as a result of intervention by any governmental or public authority. ... L. Arising out of deliberate or alleged contamination, tamper or adulteration. ... 0. Arising directly or indirectly out of or in any way involving any act of terrorism. ... P. Arising out of any testing for, monitoring of, cleaning up, removing, containing, treating, detoxifying, or neutralizing or in any way responding to or assessing the effects of Pollutants. ... S. For fines or penalties, punitive or exemplary damages, or the multiplied portion of multiplied damages.","sources":[{"clause":"VI","heading":"EXCLUSIONS Exclusions Applicable to Coverage A Only","page":6,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/product-recall-insurance-irdan108cp0053v01201819/document/17059#c-vi"},{"clause":null,"heading":"Exclusions Applicable to Coverages A and B","page":6,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/product-recall-insurance-irdan108cp0053v01201819/document/17059#c-exclusions-applicable-to-coverages-a-and-b"},{"clause":"VI(I)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/product-recall-insurance-irdan108cp0053v01201819/document/17059#c-vi-i"},{"clause":"2","heading":"Any other products, and any services, data or functions that directly or","page":8,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/product-recall-insurance-irdan108cp0053v01201819/document/17059#c-2-4"}],"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 lodge a complaint by calling 022 6489 8282 or emailing customersupport@tataaig.com. If not satisfied or there is no response, use the nodal officer, then manager.customersupport@tataaiq.com, then the Head - Customer Services at head.customerservices@tataaig.com before approaching the Insurance Ombudsman.","display":"Call 022 6489 8282 or email customersupport@tataaig.com; then nodal officer, manager.customersupport@tataaiq.com, and Head - Customer Services before Ombudsman.","note":null,"quote":"if Insured are not satisfied with our services and wish to lodge a complaint, please feel free to call our 24X7 Customer Support No. 022 6489 8282 or Insured may email to the customer service desk at customersupport@tataaig.com. ... Please visit our website at www.tataaig.com to know the contact details of the nodal officer for Insurer's servicing branch. ... For lack of a response or if the resolution still does not meet lnsured's expectations, Insured can write to manager.customersupport@tataaiq.com. ... For lack of a response or if the resolution still does not meet the insured's expectations, Insured can write to the Head - Customer Services at head.customerservices@tataaig.com. ... Within 30 days of lodging a complaint with us, if Insured do not get a satisfactory response from us and the Insured wish to pursue other avenues for redressal of grievances, the Insured may approach Insurance Ombudsman appointed by IRDAI under the Insurance Ombudsman Scheme.","sources":[{"clause":null,"heading":"Customer Grievance Redressal Procedure","page":15,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/product-recall-insurance-irdan108cp0053v01201819/document/17059#c-customer-grievance-redressal-procedure"},{"clause":null,"heading":"Nodal Officer","page":15,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/product-recall-insurance-irdan108cp0053v01201819/document/17059#c-nodal-officer"},{"clause":null,"heading":"Escalation Level 1","page":15,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/product-recall-insurance-irdan108cp0053v01201819/document/17059#c-escalation-level-1"},{"clause":null,"heading":"Escalation Level 2","page":15,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/product-recall-insurance-irdan108cp0053v01201819/document/17059#c-escalation-level-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":["Product Recall Expense you incur arising out of a Covered Incident","Product Recall Expense that you become legally obligated to pay arising out of a Covered Incident","the recall, recovery of possession or control, or disposal of Your Product(s) from within the Policy Territory"],"display":"Product Recall Expense and Product Recall Expense Liability arising from a Covered Incident involving recall, recovery or disposal of Your Products.","note":null,"quote":"We will pay you, subject to any applicable Deductible and Participation Percentage, the covered Product Recall Expense you incur arising out of a Covered Incident if the initial written notice to us of the Covered Incident takes place during the Policy Period, and the Covered Incident takes place in the Policy Territory. ... Percentage, the covered Product Recall Expense that you become legally obligated to pay arising out of a Covered Incident to which this insurance applies. ... Covered Incident means the recall, recovery of possession or control, or disposal of Your Product(s) from within the Policy Territory, from a distributor, purchaser, or user of Your Product(s) because the use or consumption of Your Product(s) has resulted in Bodily Injury or Property Damage, or poses actual and imminent danger of resulting in Bodily Injury or Property Damage.","sources":[{"clause":"I","heading":"INSURING AGREEMENT Coverage A","page":1,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/product-recall-insurance-irdan108cp0053v01201819/document/17059#c-i"},{"clause":"1","heading":"We will pay you, subject to any applicable Deductible and Participation","page":1,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/product-recall-insurance-irdan108cp0053v01201819/document/17059#c-1"},{"clause":"V","heading":"DEFINITIONS","page":4,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/product-recall-insurance-irdan108cp0053v01201819/document/17059#c-v"}],"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 amount shown in Item D of the Policy Schedule, which is not included.","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":"You may cancel by giving 30 days written notice. The insurer retains premium at the short period scale, subject to the minimum premium, and no refund is allowed if a Covered Incident has occurred during the policy period.","display":"30 days written notice; refund after short-period premium retained, subject to minimum premium; no refund if a Covered Incident has occurred.","note":"Short period scale retained: 1 week 10%, 1 Month 25%, 2 Months 35%, 3 Months 50%, 4 Months 60%, 6 Months 75%, 8 Months 85%, exceeding 8 Months full annual premium.","quote":"This policy may also be cancelled by you giving 30 days written notice to us in which event we will retain premium at the short period scale produced below, ( subject to retaining the minimum premium prescribed under the policy) provided that no Covered Incident has occurred during the policy period in which case no refund of premium shall be allowed. ... Short Period Scale\nPeriod (Not | Rate\nexceedina)\n1 week | 10% of the Annual rate\n1 Month | 25% of the Annual rate\n2 Months | 35% of the Annual rate\n3 Months | 50% of the Annual rate\n4 Months | 60% of the Annual rate\n6 Months | 75% of the Annual rate\n8 Months | 85% of the Annual rate\nExceeding 8 Months | Full Annual Premium","sources":[{"clause":"I","heading":"ASSIGNMENT","page":12,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/product-recall-insurance-irdan108cp0053v01201819/document/17059#c-i-2"}],"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":"India","display":"India","note":null,"quote":"B. Policy Territory means:\nIndia","sources":[{"clause":null,"heading":"B.","page":4,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/product-recall-insurance-irdan108cp0053v01201819/document/17059#c-b"}],"law":[]},{"key":"subject_covered","label":"What is insured","section":"Cover","meaning":"The thing or risk this policy covers.","status":"quote-verified","value":"The insured subject is Your Product(s): goods or products listed in Schedule Item F as Insured Product that are manufactured, sold, marketed, handled, or distributed by the insured during its business, and related containers other than vehicles after possession has been released to others.","display":"Insured products listed in Schedule Item F that you manufacture, sell, market, handle or distribute, plus related containers other than vehicles.","note":"The specific insured product is to be listed in Schedule Item F; the schedule itself is not included in the provided wording.","quote":"Your Product(s) means:\n1. Any goods or products listed in the Schedule, under Item F.\" Insured Product\" manufactured, sold, marketed, handled, or distributed by you during the course of your Business as described in the Policy Schedule; and\n2. Containers other than vehicles, materials, parts or equipment furnished in connection with such goods or products; when physical possession of such goods or products has been released by you to others.","sources":[{"clause":"5(b)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/product-recall-insurance-irdan108cp0053v01201819/document/17059#c-5-b"}],"law":[]}],"documents":[{"kind":"wording","label":"Product Recall Insurance","pages":18,"fetched_at":"2026-10-17 20:17:35+00","source_url":"https://www.tataaig.com/s3/Policy_Wordings_product_recall_insurance.pdf_ed2ef30263.pdf","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/product-recall-insurance-irdan108cp0053v01201819/document/17059"},{"kind":"wording","label":"Product Recall Insurance (IRDAI copy)","pages":25,"fetched_at":"2026-10-20 01:45:02+00","source_url":"https://irdai.gov.in/documents/37343/993134/79_GEN1021.pdf/3e4d4953-b4aa-829d-9f90-962143521690?version=1.1&t=1668594012429&download=true","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/product-recall-insurance-irdan108cp0053v01201819/document/27175"}],"versions":[{"uin":"TAG-LI-P15-35-V01-15-16","version":null,"approved_on":null},{"uin":"IRDAN108CP0053V01201819","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Tata AIG General Insurance official website","url":"https://www.tataaig.com/","note":"Buy directly from the insurer."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"insurer","name":"Claims process","url":"https://www.tataaig.com/claims-process","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 policy","url":"https://www.tataaig.com/grievance-redressal-policy","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."}],"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":"Product Recall Insurance (UIN IRDAN108CP0053V01201819), IndiaInsurances, https://indiainsurances.com/policy/tata-aig-general-insurance/product-recall-insurance-irdan108cp0053v01201819"}