{"uin":"IRDAN108P0002V01201112","name":"Trade credit insurance","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/trade-credit-insurance-irdan108p0002v01201112","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":"2011-05-16","withdrawn_on":null,"summary":"This is trade credit insurance that indemnifies the insured for loss directly caused by a buyer failing to pay the invoice value of eligible shipments within the waiting period. It covers non-payment due to insolvency or protracted default only, with political risks cover only for buyers outside India.","analysis":{"state":"machine","analysed_at":"2026-10-20 02:43:28.171109+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 printed in the wording.","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 Policy Declarations for the policy period, but no fixed duration is printed.","quote":null,"sources":[],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"The insured must give immediate written notice as soon as it is aware that a buyer with an outstanding balance above the non-qualifying loss amount may be in financial difficulty or insolvent and a loss may result. Written proof of loss must be submitted within 12 months after the Waiting Period expires, or within 30 days on the Company's demand.","display":"Immediate written notice; proof of loss within 12 months after the Waiting Period expires or within 30 days on demand","note":null,"quote":"The INSURED shall give immediate written notice to the Company as soon as it is aware that any BUYER with an outstanding balance in excess of the NON-QUALIFYING LOSS amount may be in financial difficulty or is insolvent which may reasonably be expected to result in a loss. ... The INSURED must submit a written proof of a loss acceptable to the Company: ... Within twelve (12) months after the Waiting Period has expired; or, ... Within thirty (30) days, upon demand by the Company.","sources":[{"clause":"6(I)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/trade-credit-insurance-irdan108p0002v01201112/document/17156#c-6-i"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["All relevant documents, including correspondence, internal file notes, memoranda, visit reports, etc.","Contract(s)","Invoice(s)","Bill(s) of Lading, or equivalent evidence of sale or export","Sales/Receivable ledger with the Buyer","Unpaid draft(s), bills, invoices etc.","Bank advice of Buyer’s nonpayment, if applicable","Documentation supporting extension of credit to the Buyer, including financial statements, agency reports, trade references, and internal reports and visit reports"],"display":"Relevant documents including correspondence/internal notes; contracts; invoices; bills of lading or equivalent evidence; sales/receivable ledger; unpaid drafts/bills/invoices; bank advice of nonpayment; credit extension documentation","note":null,"quote":"All relevant documents must be attached, including correspondence, internal file notes, memoranda, visit reports, etc. ... 1. ( ) Contract(s). ... ( ) Invoice(s). ... ( ) Bill(s) of Lading, or equivalent evidence of sale or export (as applicable). ... 5. ( ) Sales/Receivable ledger with the Buyer showing shipment (or ... 6. ( ) Unpaid draft(s), bills, invoices etc. ... ( ) Bank advice of Buyer’s nonpayment, if applicable. ... ( ) Documentation supporting extension of credit to the Buyer, including financial statements, agency reports, trade references, and internal reports and visit reports.","sources":[{"clause":null,"heading":"PROOF OF LOSS FORM","page":6,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/trade-credit-insurance-irdan108p0002v01201112/document/17156#c-proof-of-loss-form"},{"clause":"IV","heading":"DOCUMENTATION","page":7,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/trade-credit-insurance-irdan108p0002v01201112/document/17156#c-iv-2"},{"clause":"2","heading":null,"page":7,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/trade-credit-insurance-irdan108p0002v01201112/document/17156#c-2-5"},{"clause":"3","heading":null,"page":7,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/trade-credit-insurance-irdan108p0002v01201112/document/17156#c-3-5"},{"clause":"4","heading":null,"page":7,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/trade-credit-insurance-irdan108p0002v01201112/document/17156#c-4-3"},{"clause":"8","heading":null,"page":7,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/trade-credit-insurance-irdan108p0002v01201112/document/17156#c-8"},{"clause":"9","heading":null,"page":7,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/trade-credit-insurance-irdan108p0002v01201112/document/17156#c-9"}],"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":"The wording says payment is after submission of a satisfactory proof of loss, but it does not print a settlement or payment timeline.","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":["Wrongful or dishonest acts or omissions of the INSURED or its agents","Any material breach of or inaccuracy regarding any warranty or representations made herein","Nuclear reaction or nuclear radiation or radioactive contamination","War between the People's Republic of China, France, the United Kingdom, the states of the former Soviet Union, and/or the United States of America","Insolvency or financial default of any party except the BUYER, or, if applicable, the guarantor","The failure of the INSURED or its agents to comply with all the material laws and regulations in connection with the GOODS INSURED","Sales made on terms of cash in advance, cash on delivery, and confirmed or unconfirmed irrevocable letter of credit","Any BUYER that as of the first day of the POLICY PERIOD is insolvent or more than sixty (60) days past due","Any receivables that are purchased or otherwise acquired by the INSURED from any other person or entity or sold or otherwise transferred","Any company, proprietorship, partnership or entity that is related or associated party","Any shipment made to the BUYER post notification from the bank that a cheque or other negotiable instrument issued by the BUYER remains unpaid for insufficient funds","Name of the INSURED BUYER and or their Directors , Partners , Proprietors not to be listed under the Credit Information Bureau (India) Limited defaulter list"],"display":"Dishonest acts; warranty breach; nuclear risks; specified war; default by parties other than buyer/guarantor; legal non-compliance; cash/COD/letter-of-credit sales; already insolvent or 60 days past due buyers; purchased/transferred receivables; related parties; shipments after unpaid cheque notice; CIBIL/defaulter-list issues","note":null,"quote":"Wrongful or dishonest acts or omissions of the INSURED or its agents. ... Any material breach of or inaccuracy regarding any warranty or representations made herein, or failure to perform or to fulfill any warranty, covenant or agreement made herein by the INSURED. ... Nuclear reaction or nuclear radiation or radioactive contamination. ... War between the People's Republic of China, France, the United Kingdom, the states of the former Soviet Union, and/or the United States of America. ... Insolvency or financial default of any party except the BUYER, or, if applicable, the guarantor. ... The failure of the INSURED or its agents to comply with all the material laws and regulations in connection with the GOODS INSURED. ... Sales made on terms of cash in advance, cash on delivery, and confirmed or unconfirmed irrevocable letter of credit. ... Any BUYER that as of the first day of the POLICY PERIOD is insolvent or more than sixty (60) days past due in any payment obligations to the INSURED unless the total aggregate amount of such past due payment obligations does not exceed the NON QUALIFYING LOSS amount. ... Any receivables that are purchased or otherwise acquired by the INSURED from any other person or entity or sold or otherwise transferred by the INSURED to any other person or entity. ... Any company, proprietorship, partnership or entity that is related or associated party and any company, proprietorship, partnership or entity that controls, is controlled by, or is in common control with the INSURED. ... Any shipment made to the BUYER post notification from the bank that a cheque or other negotiable instrument issued by the BUYER remains unpaid for insufficient funds. ... Name of the INSURED BUYER and or their Directors , Partners , Proprietors not to be listed under the Credit Information Bureau (India) Limited defaulter list ( Suit Filed Accounts / Willful Defaulters List) or any other Defaulter list as complied under the local regulations as applicable in the BUYER’S country.","sources":[{"clause":"1","heading":"Wrongful or dishonest acts or omissions of the INSURED","page":3,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/trade-credit-insurance-irdan108p0002v01201112/document/17156#c-1-2"},{"clause":"2","heading":"Any material breach of or inaccuracy regarding any","page":3,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/trade-credit-insurance-irdan108p0002v01201112/document/17156#c-2-2"},{"clause":"3","heading":"Nuclear reaction or nuclear radiation or radioactive","page":3,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/trade-credit-insurance-irdan108p0002v01201112/document/17156#c-3-2"},{"clause":"4","heading":"War between the People's Republic of China, France, the","page":3,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/trade-credit-insurance-irdan108p0002v01201112/document/17156#c-4"},{"clause":"5","heading":"Insolvency or financial default of any party except the","page":3,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/trade-credit-insurance-irdan108p0002v01201112/document/17156#c-5"},{"clause":"6","heading":"The failure of the INSURED or its agents to comply with","page":3,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/trade-credit-insurance-irdan108p0002v01201112/document/17156#c-6"},{"clause":"7","heading":"Sales made on terms of cash in advance, cash on","page":3,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/trade-credit-insurance-irdan108p0002v01201112/document/17156#c-7"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":["failure of the BUYER to pay the INSURED all or part of the invoice value of the eligible shipments within the WAITING PERIOD","Insolvency","Protracted Default","Political Risks can be covered only in case of buyers outside India"],"display":"Buyer non-payment of eligible shipment invoice value within the Waiting Period; Insolvency; Protracted Default; Political Risks only for buyers outside India","note":null,"quote":"The Company shall indemnify the INSURED for loss directly caused by the failure of the BUYER to pay the INSURED all or part of the invoice value of the eligible shipments within the WAITING PERIOD. ... The trade credit insurance policy would cover the risk of non-payment due to Insolvency or Protracted Default only and Political Risks can be covered only in case of buyers outside India.","sources":[{"clause":"I","heading":"INSURING AGREEMENT","page":2,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/trade-credit-insurance-irdan108p0002v01201112/document/17156#c-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 defines the deductible as an annual aggregate sum specified in Item VIII of the Policy Declarations, but no deductible amount is printed.","quote":null,"sources":[],"law":[]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"The insured may cancel by giving 30 days written notice. The Company retains premium at the customary short period scale if there has been no claim during the policy period; if there has been a claim, no premium refund is allowed.","display":"30 days written notice; customary short period scale refund if no claim, no refund if there has been a claim","note":null,"quote":"This policy may also be cancelled by the INSURED by giving 30 days written notice to the Company in which event the Company will retain premium at the customary short period scale, provided that there has been no claim under the policy during the POLICY PERIOD in which case no refund of premium shall be allowed.","sources":[{"clause":"6","heading":"In the event that these arbitration provisions shall be held","page":4,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/trade-credit-insurance-irdan108p0002v01201112/document/17156#c-6-2"}],"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":"not-stated","value":null,"display":null,"note":"The country limits endorsement states that only listed countries are covered, but the extracted wording does not list any countries.","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 loss directly caused by a buyer failing to pay all or part of the invoice value of eligible shipments within the waiting period.","display":"Loss from a buyer’s failure to pay all or part of the invoice value of eligible shipments within the Waiting Period","note":null,"quote":"The Company shall indemnify the INSURED for loss directly caused by the failure of the BUYER to pay the INSURED all or part of the invoice value of the eligible shipments within the WAITING PERIOD.","sources":[{"clause":"I","heading":"INSURING AGREEMENT","page":2,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/trade-credit-insurance-irdan108p0002v01201112/document/17156#c-i"}],"law":[]}],"documents":[{"kind":"wording","label":"Trade Credit Insurance","pages":17,"fetched_at":"2026-10-17 20:15:30+00","source_url":"https://www.tataaig.com/s3/TRADE_CREDIT_INSURANCE_08e345db42.pdf","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/trade-credit-insurance-irdan108p0002v01201112/document/17052"},{"kind":"wording","label":"Trade credit insurance","pages":9,"fetched_at":"2026-10-17 20:22:41+00","source_url":"https://www.tataaig.com/s3/Policy_Wordings_trade_credit.pdf_894c45e0b2.pdf","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/trade-credit-insurance-irdan108p0002v01201112/document/17156"},{"kind":"wording","label":"Trade Credit Insurance (IRDAI copy)","pages":16,"fetched_at":"2026-10-20 01:44:58+00","source_url":"https://irdai.gov.in/documents/37343/993134/79_Trade+Credit+Insurance+Policy-Policy+Wordings_GEN575.pdf/621b16ff-ad2f-bae6-cb4c-9a9876942607?version=1.1&t=1668321663496&download=true","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/trade-credit-insurance-irdan108p0002v01201112/document/27170"}],"versions":[{"uin":"TAG-CR-P12-06-V01-11-12","version":null,"approved_on":null},{"uin":"IRDAN108CP0070V02201819","version":null,"approved_on":null},{"uin":"IRDAN108P0002V01201112","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":"Trade credit insurance (UIN IRDAN108P0002V01201112), IndiaInsurances, https://indiainsurances.com/policy/tata-aig-general-insurance/trade-credit-insurance-irdan108p0002v01201112"}