{"uin":"IRDAN113RP0024V01200102","name":"Marine Cargo Insurance","url":"https://indiainsurances.com/policy/bajaj-general-insurance/marine-cargo-insurance-irdan113rp0024v01200102","insurer":{"slug":"bajaj-general-insurance","name":"Bajaj General Insurance Limited","url":"https://indiainsurances.com/insurer/bajaj-general-insurance"},"line":"general","category":"marine","category_name":"Marine and transit","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Marine Cargo Insurance covers cargo in transit under Institute cargo, air, inland, courier, war and strike clause variants. Transit cover generally runs during ordinary transit with sea 60 days, air 30 days, inland 7 days and courier 15 days limits after arrival or discharge.","analysis":{"state":"machine","analysed_at":"2026-10-20 10:11:45.324828+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":"quote-verified","value":["INSTITUTE CARGO CLAUSES (A)","INSTITUTE CARGO CLAUSES (B)","INSTITUTE CARGO CLAUSES (C)","INSTITUTE WAR CLAUSES CARGO","INSTITUTE STRIKE CLAUSES CARGO","INSTITUTE AIR CLAUSES (CARGO)","INLAND TRANSIT (RAIL OR ROAD) – CLAUSE A","INLAND TRANSIT (RAIL OR ROAD) – CLAUSE B","INLAND TRANSIT (RAIL OR ROAD) – CLAUSE C","COURIER CLAUSE OR PARCEL CLAUSE ( BY COURIER)"],"display":"Institute cargo, war, strike, air, inland transit and courier clause variants","note":"These are clause/cover variants printed in the wording; no separate plan chart is provided.","quote":"INSTITUTE CARGO CLAUSES (A) (CL 252 dt 1.1.82) ... INSTITUTE CARGO CLAUSES (B) (CL 252 dt 1.1.82) ... INSTITUTE CARGO CLAUSES (C) (CL 252 dt 1.1.82) ... INSTITUTE WAR CLAUSES CARGO (CL 255 dt 1.1.82) ... INSTITUTE STRIKE CLAUSES CARGO (CL 256 dt 1.1.82) ... INSTITUTE AIR CLAUSES (CARGO) (excluding sendings by Post) (CL 259 dt 1.1.82) ... INLAND TRANSIT (RAIL OR ROAD) – CLAUSE A (ALL RISKS) ... INLAND TRANSIT (RAIL OR ROAD) – CLAUSE B ... INLAND TRANSIT (RAIL OR ROAD) – CLAUSE C ... COURIER CLAUSE OR PARCEL CLAUSE ( BY COURIER) – ALL RISKS","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/marine-cargo-insurance-irdan113rp0024v01200102/document/3366#c-s1"},{"clause":"16.2","heading":null,"page":3,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/marine-cargo-insurance-irdan113rp0024v01200102/document/3366#c-16-2"},{"clause":null,"heading":"DURATION","page":4,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/marine-cargo-insurance-irdan113rp0024v01200102/document/3366#c-duration"},{"clause":"19","heading":null,"page":9,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/marine-cargo-insurance-irdan113rp0024v01200102/document/3366#c-19"},{"clause":null,"heading":"LAW AND PRACTICE","page":11,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/marine-cargo-insurance-irdan113rp0024v01200102/document/3366#c-law-and-practice"},{"clause":null,"heading":"LAW AND PRACTICE","page":15,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/marine-cargo-insurance-irdan113rp0024v01200102/document/3366#c-law-and-practice-3"},{"clause":"19(b)","heading":null,"page":24,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/marine-cargo-insurance-irdan113rp0024v01200102/document/3366#c-19-b"},{"clause":"11","heading":"This insurance is subject to Indian law and practice","page":25,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/marine-cargo-insurance-irdan113rp0024v01200102/document/3366#c-11"},{"clause":null,"heading":"CLAIMS","page":27,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/marine-cargo-insurance-irdan113rp0024v01200102/document/3366#c-claims-6"},{"clause":"11(b)","heading":null,"page":27,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/marine-cargo-insurance-irdan113rp0024v01200102/document/3366#c-11-b-2"}],"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":"Transit cover attaches when the goods leave the named warehouse/place of storage for the commencement of transit and continues during the ordinary course of transit until delivery or the stated expiry limit. The printed limits include sea 60 days after discharge overside, air 30 days after unloading, inland rail/road 7 days after arrival, and courier 15 days from notice of arrival.","display":"Transit cover: ordinary course of transit, with sea 60 days, air 30 days, inland 7 days and courier 15 days limits","note":"Expiry limit depends on the transit mode and clause used.","quote":"This insurance attaches from the time the goods leave the warehouse or place of storage at the place named herein for the commencement of the transit, continues during the ordinary course of transit and terminates either ... on the expiry of 60 days after completion of discharge overside of the goods hereby insured from the oversea vessel ... on the expiry of 30 days after unloading the subject-matter insured from the aircraft at the final place of discharge, ... in respect of transits by Rail only or Rail and Road, until expiry of 7 days after arrival of the railway wagon at the final destination railway station, or ... continues in force during the ordinary course of transit until delivered to the consignee at the destination by the Courier or the expiry of 15 days counting from the day notice of arrival is despatched by the Courier to the consignee","sources":[{"clause":"8.1","heading":null,"page":2,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/marine-cargo-insurance-irdan113rp0024v01200102/document/3366#c-8-1"},{"clause":"8.1.3","heading":null,"page":2,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/marine-cargo-insurance-irdan113rp0024v01200102/document/3366#c-8-1-3"},{"clause":null,"heading":"LAW AND PRACTICE","page":15,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/marine-cargo-insurance-irdan113rp0024v01200102/document/3366#c-law-and-practice-3"},{"clause":"5(ii)","heading":null,"page":25,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/marine-cargo-insurance-irdan113rp0024v01200102/document/3366#c-5-ii"},{"clause":"11(b)","heading":null,"page":27,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/marine-cargo-insurance-irdan113rp0024v01200102/document/3366#c-11-b-2"}],"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 notice of loss or damage should be given to the Company’s representatives at the port of discharge or destination, or the nearest Lloyd’s Agent if there is no representative. If loss or damage was not apparent at delivery, notice in writing must be given to the carriers or other bailees within 3 days of delivery.","display":"Immediate notice to survey representative; written notice to carriers/bailees within 3 days if loss or damage was not apparent","note":null,"quote":"In the event of loss or damage which may involve a claim under this insurance, immediate notice of such loss or damage should be given to and a Survey Report obtained from the Company’s representatives at port of discharge or destination or if there be no representative of the Company, the nearest Lloyd’s Agent. ... To give notice in writing to the Carriers or other Bailees within 3 days of delivery if the loss or damage was not apparent at the time of taking delivery.","sources":[{"clause":"11(b)","heading":null,"page":29,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/marine-cargo-insurance-irdan113rp0024v01200102/document/3366#c-11-b-3"}],"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":["Original policy or Certificate of Marine Insurance","Original copy of Shipping Invoices, together with Packing List, and / or Weightment notes.","Original Bill of Lading and / or other contract of carriage.","Survey report and other documentary evidence, if available, to show the extent of the loss or damage.","Landing Remarks/ Account and Weightment notes at final destination","Correspondence exchanged with the Carriers and other Parties regarding their liability for the loss or damage"],"display":"Original policy/certificate, invoices with packing list/weightment notes, bill of lading/contract of carriage, survey report/evidence, landing remarks/account and carrier correspondence","note":"Documents are requested when applicable.","quote":"DOCUMENTATIONS OF CLAIMS To enable claims to be dealt with promptly, the Assured or their Agents are advised to submit all available supporting documents without delay, including when applicable\n1. Original policy or Certificate of Marine Insurance\n2. Original copy of Shipping Invoices, together with Packing List, and / or Weightment notes.\n3. Original Bill of Lading and / or other contract of carriage.\n4. Survey report and other documentary evidence, if available, to show the extent of the loss or damage.\n5. Landing Remarks/ Account and Weightment notes at final destination\n6. Correspondence exchanged with the Carriers and other Parties regarding their liability for the loss or damage","sources":[{"clause":"11(b)","heading":null,"page":29,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/marine-cargo-insurance-irdan113rp0024v01200102/document/3366#c-11-b-3"}],"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":["loss damage or expense attributable to wilful misconduct of the Assured","ordinary leakage, ordinary loss in weight or volume, or ordinary wear and tear of the subject-matter insured","loss damage or expense caused by insufficiency or unsuitability of packing or preparation of the subject-matter insured","loss damage or expense caused by inherent vice or nature of the subject-matter insured","loss damage or expense proximately caused by delay, even though the delay be caused by a risk insured against","loss damage or expense arising from insolvency or financial default of the owners managers charterers or operators of the vessel","loss damage or expense arising from unseaworthiness of vessel or craft, unfitness of and Unfitness vessel craft conveyance container or lift van for the safe carriage of the subject-matter insured","war civil war revolution rebellion insurrection, or civil strife arising there from, or any hostile act by or against a War Exclusion Clause belligerent power","caused by strikers, locked-out workmen, or persons taking part in labour disturbances, riots or civil commotions","ionising radiation’s from or contamination by radioactivity from any nuclear fuel or from any nuclear waste or from the combustion of nuclear fuel","any loss, damage, expense or liability of whatever nature which might otherwise be recoverable under this insurance arising out of or in any way connected with","any loss, damage, liability, claim, cost or expense of whatsoever nature caused by, contributed to by, resulting from, arising out of, or in connection with a Communicable Disease","all losses, liabilities, costs or expenses, or any other amount arising out of, originating from, resulting from, caused by and/or contributed by, regardless of any other cause or event contributing concurrently or in any sequence thereto, or otherwise in connection with the current Russia-Ukraine armed hostilities/conflict","to the extent that the provision of such cover, payment of such claim or provision of such benefit would expose that (re) insurer to any sanction, prohibition or restriction"],"display":"Wilful misconduct, ordinary leakage/wear and tear, unsuitable packing, inherent vice, delay, insolvency/default of vessel operators, known unseaworthiness or unfitness, war, strikes/riots, radioactive contamination, electronic date recognition, communicable disease, Russia-Ukraine conflict and sanctions","note":"War and strike risks are excluded under the main cargo clauses but may be covered if the relevant Institute War or Strike clauses apply.","quote":"loss damage or expense attributable to wilful misconduct of the Assured | General Exclusion\nClause ... ordinary leakage, ordinary loss in weight or volume, or ordinary wear and tear of the subject-matter insured ... loss damage or expense caused by insufficiency or unsuitability of packing or preparation of the subject-matter insured ... loss damage or expense caused by inherent vice or nature of the subject-matter insured ... loss damage or expense proximately caused by delay, even though the delay be caused by a risk insured against ... loss damage or expense arising from insolvency or financial default of the owners managers charterers or operators of the vessel ... loss damage or expense arising from unseaworthiness of vessel or craft, unfitness of and Unfitness vessel craft conveyance container or lift van for the safe carriage of the subject-matter insured ... war civil war revolution rebellion insurrection, or civil strife arising there from, or any hostile act by or against a War Exclusion Clause belligerent power ... caused by strikers, locked-out workmen, or persons taking part in labour disturbances, riots or civil commotions ... ionising radiation’s from or contamination by radioactivity from any nuclear fuel or from any nuclear waste or from the combustion of nuclear fuel; ... This policy does not cover any loss, damage, expense or liability of whatever nature which might otherwise be recoverable under this insurance arising out of or in any way connected with ... this insurance does not insure any loss, damage, liability, claim, cost or expense of whatsoever nature caused by, contributed to by, resulting from, arising out of, or in connection with a Communicable Disease ... Excluded from coverage are all losses, liabilities, costs or expenses, or any other amount arising out of, originating from, resulting from, caused by and/or contributed by, regardless of any other cause or event contributing concurrently or in any sequence thereto, or otherwise in connection with the current Russia-Ukraine armed hostilities/conflict ... to the extent that the provision of such cover, payment of such claim or provision of such benefit would expose that (re) insurer to any sanction, prohibition or restriction","sources":[{"clause":"4.1","heading":null,"page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/marine-cargo-insurance-irdan113rp0024v01200102/document/3366#c-4-1"},{"clause":"4.2","heading":null,"page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/marine-cargo-insurance-irdan113rp0024v01200102/document/3366#c-4-2"},{"clause":"4.3","heading":null,"page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/marine-cargo-insurance-irdan113rp0024v01200102/document/3366#c-4-3"},{"clause":"4.4","heading":null,"page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/marine-cargo-insurance-irdan113rp0024v01200102/document/3366#c-4-4"},{"clause":"4.5","heading":null,"page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/marine-cargo-insurance-irdan113rp0024v01200102/document/3366#c-4-5"},{"clause":"4.6","heading":null,"page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/marine-cargo-insurance-irdan113rp0024v01200102/document/3366#c-4-6"},{"clause":"5.1","heading":null,"page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/marine-cargo-insurance-irdan113rp0024v01200102/document/3366#c-5-1"},{"clause":"6.1","heading":null,"page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/marine-cargo-insurance-irdan113rp0024v01200102/document/3366#c-6-1"},{"clause":"7.1","heading":null,"page":2,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/marine-cargo-insurance-irdan113rp0024v01200102/document/3366#c-7-1"},{"clause":"19(b)","heading":null,"page":24,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/marine-cargo-insurance-irdan113rp0024v01200102/document/3366#c-19-b"},{"clause":"11(b)","heading":null,"page":29,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/marine-cargo-insurance-irdan113rp0024v01200102/document/3366#c-11-b-3"}],"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 through Level 1 by WhatsApp or careforyou@bajajgeneral.com. If unresolved, escalate to ggro@bajajgeneral.com, then missed call/SMS care specialist, then head.customerservice@bajajgeneral.com before approaching the Insurance Ombudsman.","display":"Level 1 WhatsApp/email, then ggro@bajajgeneral.com, care specialist, head.customerservice@bajajgeneral.com, then Insurance Ombudsman","note":null,"quote":"Grievance Redressal Procedure\nEscalation levels has been listed below:\nLEVEL 1 Say ‘Hi’ on Whatsapp +91 75072 45858 or write to careforyou@bajajgeneral.com LEVEL 2 In case you are not satisfied with the response given to you by Level 1, you may write to at ggro@bajajgeneral.com LEVEL 3 Grievance still not resolved, and you wish to talk to our care specialist, please give a missed call on +91 80809 45060 OR SMS <WORRY> to 575758 and our care specialist will call you back LEVEL 4 If you are still not satisfied with the solution provided or have some feedback for us, write to us directly at head.customerservice@bajajgeneral.com If after having followed level 1, 2, 3 and 4 your issue remains unresolved, you may approach the insurance Ombudsman for Redressal at https://www.cioins.co.in/ombudsman","sources":[{"clause":"11(b)","heading":null,"page":29,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/marine-cargo-insurance-irdan113rp0024v01200102/document/3366#c-11-b-3"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"perils","label":"What is covered","section":"Cover","meaning":"The events or risks covered.","status":"quote-verified","value":["all risks of loss of or damage to the subject-matter insured","fire or explosion","vessel or craft being stranded grounded sunk or capsized","overturning or derailment of land conveyance","collision or contact of vessel craft or conveyance with any external object other than water","general average sacrifice","jettison or washing overboard","entry of sea lake or river water into vessel craft hold conveyance container lift van or place of storage","war civil war revolution rebellion insurrection, or civil strife arising there from","strikers, locked-out workmen, or persons taking part in labour disturbances, riots or civil commotions","any terrorist or any person acting from a political motive","Theft and/ or pilferage","Non-delivery of an entire package"],"display":"All-risks options; named perils include fire/explosion, stranded/sunk/capsized vessels, overturning/derailment, collision/contact, general average sacrifice, jettison/washing overboard, sea/lake/river water entry, war, strikes/riots/terrorism, theft/pilferage and non-delivery","note":"Perils depend on the clause selected: some clauses are all-risks, while Clause B/C and war/strike clauses list named perils.","quote":"This insurance covers all risks of loss of or damage to the subject-matter insured except as provided in Clauses 4, 5, 6 and 7 below. ... fire or explosion 1.1.2 vessel or craft being stranded grounded sunk or capsized Risk Clause 1.1.3 overturning or derailment of land conveyance 1.1.4 collision or contact of vessel craft or conveyance with any external object other than water ... general average sacrifice 1.2.2 jettison or washing overboard 1.2.3 entry of sea lake or river water into vessel craft hold conveyance container lift van or place of storage ... war civil war revolution rebellion insurrection, or civil strife arising there from, or any hostile act by or against a belligerent power ... strikers, locked-out workmen, or persons taking part in labour disturbances, riots or civil commotions 1.2 any terrorist or any person acting from a political motive. ... It is agreed that this Policy covers the risk of Theft and/ or pilferage irrespective of percentage. ... this Policy covers the risk of Non-delivery of an entire package","sources":[{"clause":"1","heading":null,"page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/marine-cargo-insurance-irdan113rp0024v01200102/document/3366#c-1"},{"clause":"16.2","heading":null,"page":3,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/marine-cargo-insurance-irdan113rp0024v01200102/document/3366#c-16-2"},{"clause":"19","heading":null,"page":9,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/marine-cargo-insurance-irdan113rp0024v01200102/document/3366#c-19"},{"clause":null,"heading":"LAW AND PRACTICE","page":11,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/marine-cargo-insurance-irdan113rp0024v01200102/document/3366#c-law-and-practice"},{"clause":"11(a)","heading":null,"page":29,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/marine-cargo-insurance-irdan113rp0024v01200102/document/3366#c-11-a-3"},{"clause":"11(b)","heading":null,"page":29,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/marine-cargo-insurance-irdan113rp0024v01200102/document/3366#c-11-b-3"}],"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":null,"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":"not-stated","value":null,"display":null,"note":"The wording states cancellation notice periods, but does not state any refund basis or amount.","quote":null,"sources":[],"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 place/destination named in the policy but does not state a geographic territory such as India-only, worldwide, or listed countries.","quote":null,"sources":[],"law":[]},{"key":"transit_modes","label":"Transit modes","section":"Cover","meaning":"Sea, air, rail, road, courier.","status":"quote-verified","value":["oversea vessel","aircraft","Rail","Road","Courier","sendings by Post"],"display":"Sea, air, rail, road, courier and post","note":null,"quote":"oversea vessel ... aircraft ... INLAND TRANSIT (RAIL OR ROAD) – CLAUSE A (ALL RISKS) ... Courier ... INSTITUTE WAR CLAUSES (Sendings by Post) (CL 257 dt 1.1.82)","sources":[{"clause":"8.1.3","heading":null,"page":2,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/marine-cargo-insurance-irdan113rp0024v01200102/document/3366#c-8-1-3"},{"clause":null,"heading":"LAW AND PRACTICE","page":15,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/marine-cargo-insurance-irdan113rp0024v01200102/document/3366#c-law-and-practice-3"},{"clause":"19(b)","heading":null,"page":24,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/marine-cargo-insurance-irdan113rp0024v01200102/document/3366#c-19-b"},{"clause":"11(b)","heading":null,"page":27,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/marine-cargo-insurance-irdan113rp0024v01200102/document/3366#c-11-b-2"},{"clause":null,"heading":"LAW AND PRACTICE","page":14,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/marine-cargo-insurance-irdan113rp0024v01200102/document/3366#c-law-and-practice-2"}],"law":[]},{"key":"basis_of_valuation","label":"Basis of valuation","section":"Cover","meaning":"How goods are valued for a claim.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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 increased value insurance applies, liability under this insurance is proportionate to the sum insured herein as compared with the total amount insured.","display":"Proportionate liability: sum insured herein bears to total amount insured","note":"The proportional wording is printed in the Increased Value clause.","quote":"liability under this insurance shall be in such proportion as the sum insured herein | Clause\nbears to such total amount insured.","sources":[{"clause":"13","heading":null,"page":3,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/marine-cargo-insurance-irdan113rp0024v01200102/document/3366#c-13"}],"law":[]}],"documents":[{"kind":"wording","label":"Marine Cargo Insurance Policy Wordings","pages":36,"fetched_at":"2026-10-17 19:48:14+00","source_url":"https://www.bajajgeneralinsurance.com/download-documents/commercial-insurance/commercial-pw/Marine-Cargo-PW.pdf","url":"https://indiainsurances.com/policy/bajaj-general-insurance/marine-cargo-insurance-irdan113rp0024v01200102/document/3366"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Bajaj General Insurance official website","url":"https://www.bajajgeneralinsurance.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","url":"https://www.bajajgeneralinsurance.com/general-insurance-claims.html","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":"Online grievance form","url":"https://www.bajajgeneralinsurance.com/forms/form-online-grievance.html","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":"Marine Cargo Insurance (UIN IRDAN113RP0024V01200102), IndiaInsurances, https://indiainsurances.com/policy/bajaj-general-insurance/marine-cargo-insurance-irdan113rp0024v01200102"}