{"uin":"IRDAN108RP0020V01100001","name":"Erection All Risk Insurance – Retail","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/erection-all-risk-insurance-retail-irdan108rp0020v01100001","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":"engineering","category_name":"Engineering","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Erection All Risk Insurance - Retail covers sudden and unforeseen physical loss of or damage to insured erection property and third-party liability directly due to erection of property described in the Schedule. The sum insured must be at least the completely erected value including freights, customs duty and erection cost, and cancellation refunds proportionate premium for the unexpired period if no claim has been made.","analysis":{"state":"machine","analysed_at":"2026-10-20 12:17:43.899468+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":null,"quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"Cover starts after unloading the scheduled property at the site and continues until the first test operation or test loading is concluded, whichever is earlier, but not beyond four weeks from trial running or readiness for work. At the latest, it expires on the date specified in the Schedule unless extended with additional premium.","display":"From unloading at the site until first test operation/test loading; not beyond four weeks from trial running/readiness, and at latest the date specified in the Schedule.","note":null,"quote":"The liability of the Company shall commence, (notwithstanding any date to the contrary specified in the Schedule) only from the time after the unloading of the property specified in the Schedule from any conveyance at the site specified in the schedule and shall continue until immediately after the first test operation or test loading is concluded (whichever is earlier) but in no case beyond four weeks from the day on which after completion of erection a trial running is made and/or readiness for work is declared by the erectors/contractors, whichever is earlier. ... At the latest, the insurance shall expire on the date specified in the Schedule but if the work of erection and test operations included in the insurance is not completed within the time specified hereunder, the company may extend the period of Insurance but the Insured shall pay to the Company additional premium at agreed rates.","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/erection-all-risk-insurance-retail-irdan108rp0020v01100001/document/17121#c-s1"}],"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 policyholder or claimant must intimate the insurer about the happening of a claim at the earliest possible time.","display":"At the earliest possible time.","note":null,"quote":"Policyholder or the claimant, as applicable, is required to intimate the insurer, about the happening of a claim under the insurance policy, at the earliest possible time either in person or through:","sources":[{"clause":"5(i)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/erection-all-risk-insurance-retail-irdan108rp0020v01100001/document/17121#c-5-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":["duly filled e claim notification form","claim form and required details within 15 days","all such information and documentary evidence as the company may require"],"display":"Duly filled e claim notification form; claim form and required details within 15 days; information and documentary evidence as required.","note":null,"quote":"b) Policy holder can send a duly filled e claim notification form to general.claims@tataaig.com ... iv) Furnish all such information and documentary evidence as the company may require; ... iv. You submit the Claim Form and required details within 15 days.","sources":[{"clause":"5(b)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/erection-all-risk-insurance-retail-irdan108rp0020v01100001/document/17121#c-5-b"},{"clause":"5(e)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/erection-all-risk-insurance-retail-irdan108rp0020v01100001/document/17121#c-5-e"},{"clause":"7(f)(iv)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/erection-all-risk-insurance-retail-irdan108rp0020v01100001/document/16991#c-7-f-iv"}],"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":"The insurer shall decide on the claim within seven days of receipt of the survey report or after expiry of fifteen days from allocation of the claim to the surveyor, whichever is earlier.","display":"Claim decision within seven days of receipt of survey report or after fifteen days from surveyor allocation, whichever is earlier.","note":"The CIS Policy Servicing row also says claims settlement TAT is within 7 working days of receipt of survey report and all documents.","quote":"The Insurer shall decide on the Claim within seven The Insurer shall decide on the Claim within seven days of receipt of the survey report or after expiry of days of receipt of the survey report or after expiry of fifteen days from allocation of the Claim to the fifteen days from allocation of the Claim to the surveyor whichever is earlier. ... • Turn Around Time (TAT) for Claims settlement - Within 7 working days of receipt of survey report and all documents","sources":[{"clause":"7(f)(ix)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/erection-all-risk-insurance-retail-irdan108rp0020v01100001/document/16991#c-7-f-ix"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["War, invasion, act of foreign enemy, hostilities or war like operations","Nuclear reaction, nuclear radiation or radioactive contamination.","Wilful act or wilful negligence of the Insured or of his responsible representative","Cessation of work whether total or partial.","loss, damage, cost or expense of whatsoever nature directly or indirectly caused by, resulting from or in connection with any act of terrorism","The first amount of the loss arising out of each and every occurrence shown as Excess in the Schedule","Loss discovered only at the time of taking an inventory","Normal wear and tear, gradual deterioration due to atmospheric conditions or otherwise, rust, scratching of painted or polished surfaces or breakage of glass","Loss or damage due to faulty design, defective material or casting, bad workmanship other than faults in erection","The cost necessary for rectification or correction of any error during erection unless resulting in physical loss or damage","Loss of or damage to files, drawings, accounts, bills, currency, stamps, deeds, evidence of debt, notes, securities cheques, packing materials such as cases, boxes, crates","Any damage or penalties on account of the Insured’s nonfulfillment of the terms of delivery or completion under his Contract of Erection","Bodily injury to or illness of employees or workmen of the Contractor(s) or the Principal(s)","Any accident caused by vehicles licensed for general road use or by waterborne vessels or aircraft"],"display":"War and similar risks; nuclear risks; wilful act/negligence; cessation of work; terrorism; excess; inventory-only losses; wear and tear; faulty design/material/workmanship except erection faults; rectification of erection errors without physical damage; documents/currency/securities/packing materials; contractual penalties/consequential loss; employee/workmen injury; road vehicles, vessels or aircraft.","note":null,"quote":"a) War, invasion, act of foreign enemy, hostilities or war like operations ... b) Nuclear reaction, nuclear radiation or radioactive contamination. ... c) Wilful act or wilful negligence of the Insured or of his responsible representative ... d) Cessation of work whether total or partial. ... This Policy excludes loss, damage, cost or expense of whatsoever nature directly or indirectly caused by, resulting from or in connection with any act of terrorism ... a) The first amount of the loss arising out of each and every occurrence shown as Excess in the Schedule; ... b) Loss discovered only at the time of taking an inventory; ... c) Normal wear and tear, gradual deterioration due to atmospheric conditions or otherwise, rust, scratching of painted or polished surfaces or breakage of glass; ... d) Loss or damage due to faulty design, defective material or casting, bad workmanship other than faults in erection. ... e) The cost necessary for rectification or correction of any error during erection unless resulting in physical loss or damage; ... f) Loss of or damage to files, drawings, accounts, bills, currency, stamps, deeds, evidence of debt, notes, securities cheques, packing materials such as cases, boxes, crates; ... g) Any damage or penalties on account of the Insured’s nonfulfillment of the terms of delivery or completion under his Contract of Erection ... a) Bodily injury to or illness of employees or workmen of the Contractor(s) or the Principal(s) ... c) Any accident caused by vehicles licensed for general road use or by waterborne vessels or aircraft;","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/erection-all-risk-insurance-retail-irdan108rp0020v01100001/document/17121#c-s1"},{"clause":"Section I(a)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/erection-all-risk-insurance-retail-irdan108rp0020v01100001/document/17121#c-section-i-a"},{"clause":"Section I(b)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/erection-all-risk-insurance-retail-irdan108rp0020v01100001/document/17121#c-section-i-b"},{"clause":"Section I(c)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/erection-all-risk-insurance-retail-irdan108rp0020v01100001/document/17121#c-section-i-c"},{"clause":"Section I(d)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/erection-all-risk-insurance-retail-irdan108rp0020v01100001/document/17121#c-section-i-d"},{"clause":"Section I(e)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/erection-all-risk-insurance-retail-irdan108rp0020v01100001/document/17121#c-section-i-e"},{"clause":"Section I(f)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/erection-all-risk-insurance-retail-irdan108rp0020v01100001/document/17121#c-section-i-f"},{"clause":"Section I(g)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/erection-all-risk-insurance-retail-irdan108rp0020v01100001/document/17121#c-section-i-g"},{"clause":"3(a)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/erection-all-risk-insurance-retail-irdan108rp0020v01100001/document/17121#c-3-a"},{"clause":"3(c)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/erection-all-risk-insurance-retail-irdan108rp0020v01100001/document/17121#c-3-c"}],"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 complain to TATA AIG by toll-free number, phone or email, or write/email the Grievance Redressal Officer at Customer Support, TATA AIG General Insurance Company Limited, Goregaon(E), Mumbai. If not resolved, escalate to manager.customersupport@tataaig.com and then to the Head of Customer Services at head.customerservices@tataaig.com before approaching the Insurance Ombudsman.","display":"Complain to TATA AIG at 1800-266-7780 / 022-66939500 or customersupport@tataaig.com; then Escalation Level 1 manager.customersupport@tataaig.com; then Head of Customer Services at head.customerservices@tataaig.com.","note":null,"quote":"If you’re not satisfied and wish to lodge a complaint, please call our 24/7 toll-free number 1800-266-7780 or 022-66939500 (toll charges apply), or email us at customersupport@tataaig.com. ... Our Grievance Redressal Officer - You can send Your grievance in writing by post or email to Our Grievance Redressal Officer at the following address:\nCustomer Support, TATA AIG General Insurance Company Limited 7th and 8th Floor, Romell Tech Park, Cama Industrial Estate, Western Express Highway, Goregaon(E), Mumbai, Maharashtra 400063 ... Escalation Level 1 If you do not receive a response or are not satisfied with the resolution, please contact us at manager.customersupport@tataaig.com. ... Escalation Level 2 If you still need assistance, reach out to the Head of Customer Services at head.customerservices@tataaig.com.","sources":[{"clause":"3(d)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/erection-all-risk-insurance-retail-irdan108rp0020v01100001/document/17121#c-3-d"}],"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":["sudden and unforeseen physical loss of or damage to the property insured","lost, damaged or destroyed by any cause, other than those specifically excluded","cost of clearance and removal of debris","Legal liability for accidental loss or damage caused to property of other persons","Legal liability (liability under contract excepted) for fatal or nonfatal injury to any person","Earthquake - Fire & Shock","Landslide/Rockslide/Subsidence","Flood/Inundation","Storm/Tempest/Hurricane/Typhoon/Cyclone/lightning or other atmospheric disturbances"],"display":"Sudden and unforeseen physical loss or damage to the insured property; all causes not specifically excluded under Section I; debris removal if scheduled; third-party property damage and bodily injury liability; earthquake fire and shock, landslide/rockslide/subsidence, flood/inundation, storm/tempest/hurricane/typhoon/cyclone/lightning or other atmospheric disturbances.","note":"Debris removal is subject to the sum, if any, set opposite it in the Schedule; third-party liability is subject to limits of indemnity in the Schedule.","quote":"the company will indemnify the Insured against sudden and unforeseen physical loss of or damage to the property insured ... the property (except packing materials of any kind) or any part thereof described in the said Schedule be lost, damaged or destroyed by any cause, other than those specifically excluded hereunder ... reimburse the Insured for the cost of clearance and removal of debris ... Legal liability for accidental loss or damage caused to property of other persons ... Legal liability (liability under contract excepted) for fatal or nonfatal injury to any person ... a) Earthquake - Fire & Shock ... b) Landslide/Rockslide/Subsidence, ... c) Flood/Inundation, ... d) Storm/Tempest/Hurricane/Typhoon/Cyclone/lightning or other atmospheric disturbances.","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/erection-all-risk-insurance-retail-irdan108rp0020v01100001/document/17121#c-s1"},{"clause":"Section I","heading":"MATERIAL DAMAGE","page":4,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/erection-all-risk-insurance-retail-irdan108rp0020v01100001/document/17121#c-section-i"},{"clause":"Section II(a)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/erection-all-risk-insurance-retail-irdan108rp0020v01100001/document/17121#c-section-ii-a"},{"clause":"Section II(b)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/erection-all-risk-insurance-retail-irdan108rp0020v01100001/document/17121#c-section-ii-b"},{"clause":"Section I(a)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/erection-all-risk-insurance-retail-irdan108rp0020v01100001/document/17121#c-section-i-a-3"},{"clause":"Section I(b)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/erection-all-risk-insurance-retail-irdan108rp0020v01100001/document/17121#c-section-i-b-3"},{"clause":"Section I(c)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/erection-all-risk-insurance-retail-irdan108rp0020v01100001/document/17121#c-section-i-c-2"},{"clause":"Section I(d)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/erection-all-risk-insurance-retail-irdan108rp0020v01100001/document/17121#c-section-i-d-2"}],"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 only says the first amount/excess is shown in the Schedule and the generic documents do not print an amount.","quote":null,"sources":[],"law":[]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"The policyholder can cancel the policy at any time during the term by informing the insurer. The insurer refunds proportionate premium for the unexpired policy period if no claim has been made during the policy period.","display":"Proportionate premium for the unexpired policy period, if no claim has been made.","note":null,"quote":"The policyholder can cancel the policy at any time during the term, by informing the insurer. The insurer can cancel the policy only on the grounds of established fraud, by giving minimum notice of 7 days to the retail policyholder. The insurer shall refund proportion premium for unexpired policy period, if there is no claim(s) made during the policy period.","sources":[{"clause":"9","heading":"CANCELLATION","page":4,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/erection-all-risk-insurance-retail-irdan108rp0020v01100001/document/17121#c-9"}],"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 wording refers to the site specified in the Schedule, but the generic documents do not state a geographic territory such as India, worldwide, or listed countries.","quote":null,"sources":[],"law":[]},{"key":"equipment_covered","label":"Equipment or project covered","section":"Cover","meaning":"What is insured.","status":"quote-verified","value":"The interests insured are erection, testing and commissioning of equipment, plant and machineries or the entire plant, as specified in the policy schedule.","display":"Erection, testing and commissioning of equipment, plant & machineries or entire plant as specified in policy schedule.","note":null,"quote":"Interests Insured | Erection, testing and commissioning of equipment, plant & machineries or entire plant as specified in policy schedule.","sources":[{"clause":null,"heading":"Customer Information Sheet/Know Your Policy","page":13,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/erection-all-risk-insurance-retail-irdan108rp0020v01100001/document/17121#c-customer-information-sheet-know-your-policy"}],"law":[]},{"key":"sum_insured_basis","label":"Sum insured basis","section":"Cover","meaning":"How the cover amount is set: market value, reinstatement value, agreed value, IDV.","status":"quote-verified","value":"The sum insured must not be less than the completely erected value of the property, including freights, customs duty and erection cost. It is adjustable at completion based on actual freight and handling charges, customs dues and costs of erection declared by the insured.","display":"Completely erected value of the property inclusive of freights, customs duty and erection cost.","note":null,"quote":"It is a requirement of this insurance that the Sum of Insurance stated in the Schedule shall not be less than the completely erected value of the property inclusive of freights, customs duty, erection cost ... The sum insured under the Policy representing the completely erected value of the plant machinery/project shall be adjustable at completion of erection on the basis of the actual values to be declared by the insured in respect of freight and handling charges, customs dues and costs of erection","sources":[{"clause":"Section I(g)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/erection-all-risk-insurance-retail-irdan108rp0020v01100001/document/17121#c-section-i-g"}],"law":[]},{"key":"under_insurance","label":"Under-insurance (average) clause","section":"Limits and co-pay","meaning":"If the sum insured is less than the real value, claims are cut in proportion.","status":"quote-verified","value":"If the sum insured representing the completely erected value of the property or particular items is less than the amount required to be insured, the recoverable amount is reduced in the same proportion as the sum insured bears to the amount required to be insured.","display":"Claims are reduced in proportion if the Sum Insured is less than the amount required to be insured.","note":null,"quote":"If, in the event of the occurrence of a loss, or damage it is found that the Sum Insured representing the completely erected value of the property and/or of particular items involved is less than the amount required to be insured the amount recoverable by the Insured under the Policy shall be reduced in such proportion as the Sum Insured bears to the amount required to be insured.","sources":[{"clause":"Section I(g)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/erection-all-risk-insurance-retail-irdan108rp0020v01100001/document/17121#c-section-i-g"}],"law":[]}],"documents":[{"kind":"wording","label":"Erection All Risk Insurance","pages":31,"fetched_at":"2026-10-17 20:21:44+00","source_url":"https://www.tataaig.com/s3/erection_all_risk_insurance_retail_pw_and_cis_combined_5f4e1c97f0.pdf","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/erection-all-risk-insurance-retail-irdan108rp0020v01100001/document/17121"},{"kind":"cis","label":"Erection All Risk Insurance – Retail","pages":17,"fetched_at":"2026-10-17 20:12:30+00","source_url":"https://www.tataaig.com/s3/erection_all_risk_insurance_retail_v2_15_01_2025_f4063cbf04.pdf","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/erection-all-risk-insurance-retail-irdan108rp0020v01100001/document/16991"}],"versions":[],"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":"Erection All Risk Insurance – Retail (UIN IRDAN108RP0020V01100001), IndiaInsurances, https://indiainsurances.com/policy/tata-aig-general-insurance/erection-all-risk-insurance-retail-irdan108rp0020v01100001"}