{"uin":"IRDAN115CP0007V01201920","name":"Marine Transit Insurance (Inland)","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/marine-transit-insurance-inland-irdan115cp0007v01201920","insurer":{"slug":"icici-lombard-general-insurance","name":"ICICI LOMBARD General Insurance Company Limited","url":"https://indiainsurances.com/insurer/icici-lombard-general-insurance"},"line":"general","category":"marine","category_name":"Marine and transit","irdai_type":null,"kind":"product","status":"active","approved_on":"2001-09-22","withdrawn_on":null,"summary":"Marine Transit Insurance (Inland) covers insured goods in inland transit under Basic Risk Policy or All Risk Policy variants. Specific policies cover a single consignment, Marine Open Policy and Special Declaration Policy arrangements are valid for one year, and retail claims are decided within 7 days after receipt of the assessment sheet or survey report.","analysis":{"state":"machine","analysed_at":"2026-10-20 09:25:23.707585+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":["Basic Risk Policy","All Risk Policy","Specific policy","Marine Open Policy","Special Declaration Policy"],"display":"Basic Risk Policy; All Risk Policy; Specific policy; Marine Open Policy; Special Declaration Policy","note":"The documents describe these as two types of covers and types of policies.","quote":"There are two type of covers:\na) The “Basic Risk Policy” covers loss or damage to specified goods caused by fire, lightning, breakage of bridges, overturning of vehicle, collision with or by carrying vehicle subject to specified exclusions.\nb) The “All Risk Policy” covers all risks of loss or damage to specified goods subject to exclusion. ... i) Specific policy to cover single consignment\nii) Marine Open Policy/ Special Declaration Policy for frequent despatches. These arrangements are valid for one year.","sources":[{"clause":"2","heading":"Scope of cover","page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/marine-transit-insurance-inland-irdan115cp0007v01201920/document/20948#c-2"},{"clause":"12","heading":"Types of policies","page":4,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/marine-transit-insurance-inland-irdan115cp0007v01201920/document/20948#c-12"}],"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":"A Specific policy covers a single consignment. Marine Open Policy and Special Declaration Policy arrangements for frequent despatches are valid for one year.","display":"Specific policy: single consignment; Marine Open Policy/Special Declaration Policy: one year","note":null,"quote":"i) Specific policy to cover single consignment\nii) Marine Open Policy/ Special Declaration Policy for frequent despatches. These arrangements are valid for one year.","sources":[{"clause":"12","heading":"Types of policies","page":4,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/marine-transit-insurance-inland-irdan115cp0007v01201920/document/20948#c-12"}],"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":"On occurrence of loss, the insured must forthwith file or submit a Claim Form in accordance with the claim procedure.","display":"Forthwith file/submit a Claim Form","note":"No fixed number of days is stated for claim intimation.","quote":"Forthwith file/submit a Claim Form in\naccordance with Claim Procedure Clause as provided in Part II of the Schedule.","sources":[{"clause":"10.1","heading":"Forthwith file/submit a Claim Form in","page":12,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/marine-transit-insurance-inland-irdan115cp0007v01201920/document/20051#c-10-1"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Claim form duly completed","Original policy of insurance duly endorsed or issued in favour of the claimant in case of single despatch","Relevant AWB/LR/RR (original)","Copy of correspondence lodging monetary claim with the relevant carrier","Non delivery/ partial delivery/ open delivery/ assessment delivery certificates","Copy of Invoice and Packing List"],"display":"Claim form; original policy; AWB/LR/RR; carrier monetary-claim correspondence; delivery/shortage/damage certificates; invoice and packing list","note":null,"quote":"4.1 Claim form duly completed; 4.2 Original policy of insurance duly endorsed or issued in favour of the claimant in case of single despatch; 4.3 Relevant AWB/LR/RR (original) to be provided in case of non•delivery, endorsed/ issued in the name of the claimant. 4.4 Copy of correspondence lodging monetary claim with the relevant carrier within time limit prescribed in the respective Acts\nunder | a registered letter with\nacknowledgement | due | card | or\nacknowledgement by the carrier. 4.5 Non delivery/ partial delivery/ open delivery/ assessment delivery certificates recording details of shortages or partial damage / loss or non• delivery as the case may be, issued by carriers. 4.6 Copy of Invoice and Packing List.","sources":[{"clause":null,"heading":"ICICI Lombard General Insurance Company Limited","page":5,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/marine-transit-insurance-inland-irdan115cp0007v01201920/document/20051#c-icici-lombard-general-insurance-company-limited-2"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"quote-verified","value":"For retail policyholders, the assessment sheet or survey report will be furnished within 15 days of receipt of claim form and documents, and the claim will be decided within 7 days of receipt of the assessment sheet or survey report.","display":"Assessment/survey report within 15 days of claim form and documents; claim decided within 7 days of assessment sheet/survey report","note":"Applicable to Retail policyholder.","quote":"Turnaround Time (TAT): Assessment sheet /Survey report will be furnished within 15 days of receipt of claim form and documents. Claim will be decided within 7 days of receipt of the assessment sheet / survey report, as applicable (Applicable to Retail policyholder).","sources":[{"clause":null,"heading":"Customer Service","page":17,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/marine-transit-insurance-inland-irdan115cp0007v01201920/document/20051#c-customer-service"}],"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 Insured","ordinary leakage, ordinary loss in weight or volume, or ordinary wear and tear","insufficiency or unsuitability of packing or preparation","delay even though the delay be caused by a risk insured against","inherent viceor nature of the subject•matter insured","any weapon of war employing atomic or nuclear fission and/ or fusion","war, civil war, revolution, rebellion, insurrection, or civil strife","capture, seizure, arrest, restraint or detainment","derelict mines, bombs or other derelict weapons of war","strikers, locked•out workmen or persons taking part in labour disturbances, riots or civil commotions","strikes, lock • outs, labour disturbances, riots or civil commotions","any terrorist or any person acting from a political motive","Any chemical, biological, bio•chemical or electromagnetic weapon","The use or operation, as a means for inflicting harm, of any computer"],"display":"Wilful misconduct; ordinary leakage/loss/wear and tear; inadequate packing; delay; inherent vice; nuclear/war weapons; war and seizure risks; strike/riot/terrorism risks; chemical/biological/electromagnetic weapons; computer/cyber attack","note":null,"quote":"loss, damage or expense attributable to wilful misconduct of the Insured ... 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 proximately caused by delay even though the delay be caused by a risk insured against; ... loss, damage or expense caused by inherent viceor nature of the subject•matter insured; ... loss, damage or expense arising from the use of any weapon of war employing atomic or nuclear fission and/ or fusion or other like reaction or radioactive force or matter. ... war, civil war, revolution, rebellion, insurrection, or civil strife arising therefrom, or any hostile act by or against a belligerent power; ... capture, seizure, arrest, restraint or detainment, and the consequences thereof or any attempt thereat;or ... derelict mines, bombs or other derelict weapons of war. ... caused by strikers, locked•out workmen or persons taking part in labour disturbances, riots or civil commotions; ... resulting from strikes, lock • outs, labour disturbances, riots or civil commotions; or ... caused by any terrorist or any person acting from a political motive. ... Any chemical, biological, bio•chemical or electromagnetic weapon. ... The use or operation, as a means for inflicting harm, of any computer, computer system, computer software programme ,Computer virus or process or any other electronic system.","sources":[{"clause":"1.1","heading":null,"page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/marine-transit-insurance-inland-irdan115cp0007v01201920/document/20051#c-1-1"},{"clause":"1.2","heading":null,"page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/marine-transit-insurance-inland-irdan115cp0007v01201920/document/20051#c-1-2"},{"clause":"1.3","heading":null,"page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/marine-transit-insurance-inland-irdan115cp0007v01201920/document/20051#c-1-3"},{"clause":"1.4","heading":null,"page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/marine-transit-insurance-inland-irdan115cp0007v01201920/document/20051#c-1-4"},{"clause":"1.5","heading":null,"page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/marine-transit-insurance-inland-irdan115cp0007v01201920/document/20051#c-1-5"},{"clause":"1.6","heading":null,"page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/marine-transit-insurance-inland-irdan115cp0007v01201920/document/20051#c-1-6"},{"clause":"2.1","heading":null,"page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/marine-transit-insurance-inland-irdan115cp0007v01201920/document/20051#c-2-1"},{"clause":"2.2","heading":null,"page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/marine-transit-insurance-inland-irdan115cp0007v01201920/document/20051#c-2-2"},{"clause":"2.3","heading":null,"page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/marine-transit-insurance-inland-irdan115cp0007v01201920/document/20051#c-2-3"},{"clause":"3.1","heading":null,"page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/marine-transit-insurance-inland-irdan115cp0007v01201920/document/20051#c-3-1"},{"clause":"3.2","heading":null,"page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/marine-transit-insurance-inland-irdan115cp0007v01201920/document/20051#c-3-2"},{"clause":"3.3","heading":null,"page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/marine-transit-insurance-inland-irdan115cp0007v01201920/document/20051#c-3-3"},{"clause":"22","heading":"Customer Service","page":15,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/marine-transit-insurance-inland-irdan115cp0007v01201920/document/20051#c-22"}],"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":"For any query or grievance, the insured may first contact the respective branch office, call 1800-2666, or use the “Grievance Redressal” section on the company website before approaching IRDAI or the Insurance Ombudsman.","display":"Contact branch office, 1800-2666, or website Grievance Redressal first","note":null,"quote":"For resolution of any query or grievance, Insured may contact the respective branch office of the Company or may call toll free no.1800-2666 or may approach us at the sub section “Grievance Redressal” on our website www.icicilombard.com (Customer Support section). However, if the resolution provided by us is not satisfactory you may approach Insurance Regulatory and Development Authority of India (IRDAI) through the Bima Bharosa Portal - https://bimabharosa.irdai.gov.in/ or IRDAI Grievance Call Centre (IGCC) at their toll free no. 1800 4254 732 / 155255. You may also approach Insurance Ombudsman, subject to vested jurisdiction, for the redressal of grievance.","sources":[{"clause":null,"heading":"Grievances","page":19,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/marine-transit-insurance-inland-irdan115cp0007v01201920/document/20051#c-grievances"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":"conflicting","value":"Under the policy wording, the insured may give 7 days written notice to cancel; the insurer cancels from receipt of notice and retains premium for the period the policy has been in force at the company's short period scales.","display":"7 days' written notice; premium retained at short period scales","note":"Policy wording is used for the answer. Open/Special Declaration conditions in the wording require 15 days' notice, except 48 hours for strike, riot and civil commotion risks. The prospectus says the insured can cancel at any time and gives a proportionate premium refund if the term is up to one year and no claim is made.","quote":"The Insured may also give 7 days notice in writing, to the Company, for the cancellation of this policy, in which case the Company shall cancel the policy from the date of receipt of notice and retain the premium for the period this policy has been in force at the Company's short period scales. ... This Policy is subject to cancellation by either party on giving 15 days Notice in writing to this effect (except in the case of strike, riot and civil commotion risks which is subject to 48 hours notice of cancellation). ... The insured can cancel the policy at any time during the term, by informing the company.\nThe company can cancel the policy only on the grounds of established fraud, by giving minimum notice of 7 days to the policyholder.\nThe company shall –\ni) refund proportion premium for unexpired policy period, if the term of the policy is upto one year and there is no claim(s) made during the policy period.","sources":[{"clause":"17","heading":"Cancellation/termination","page":14,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/marine-transit-insurance-inland-irdan115cp0007v01201920/document/20051#c-17"},{"clause":null,"heading":"5. Cancellation","page":8,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/marine-transit-insurance-inland-irdan115cp0007v01201920/document/20051#c-5-cancellation"},{"clause":"14","heading":"Cancellation/termination","page":4,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/marine-transit-insurance-inland-irdan115cp0007v01201920/document/20948#c-14"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"quote-verified","value":"Claims are payable only if the cause of action arises in India, unless Part II of the Schedule specifically provides otherwise, and all claims are payable in India in Indian currency only.","display":"Cause of action must arise in India; claims payable in India in Indian currency only","note":null,"quote":"No Claims shall be payable under this policy unless the cause of action arises in India, unless otherwise specifically provided in Part II of the Schedule to this policy. All claims shall be payable in India in Indian currency only.","sources":[{"clause":"18","heading":"Cause of Action/ Currency for payments","page":14,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/marine-transit-insurance-inland-irdan115cp0007v01201920/document/20051#c-18"}],"law":[]},{"key":"transit_modes","label":"Transit modes","section":"Cover","meaning":"Sea, air, rail, road, courier.","status":"quote-verified","value":["Railway Receipt","Lorry Receipt","Postal Receipt","Airway bill"],"display":"Railway Receipt; Lorry Receipt; Postal Receipt; Airway bill","note":"These are the transit document modes listed for declaration statements.","quote":"2.1 Date and Number of : 2.1.1 Railway Receipt; ... 2.1.2 Lorry Receipt 2.1.3 Postal Receipt; 2.1.4 Airway bill;","sources":[{"clause":null,"heading":"1. Period of Policy","page":7,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/marine-transit-insurance-inland-irdan115cp0007v01201920/document/20051#c-1-period-of-policy"},{"clause":null,"heading":"ICICI Lombard General Insurance Company Limited","page":7,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/marine-transit-insurance-inland-irdan115cp0007v01201920/document/20051#c-icici-lombard-general-insurance-company-limited-4"}],"law":[]},{"key":"basis_of_valuation","label":"Basis of valuation","section":"Cover","meaning":"How goods are valued for a claim.","status":"quote-verified","value":"For total loss or non-delivery of the entire insured property, the basis is the Sum Insured; for partial non-delivery and shortage, proportionate Sum Insured; for repairable damage, cost of repairs in full if the Sum Insured is adequate; and for non-repairable damage, proportionate Sum Insured for the item damaged.","display":"Total loss/non-delivery: Sum Insured; partial/shortage: proportionate Sum Insured; repairable damage: cost of repairs if Sum Insured adequate; not repairable: proportionate Sum Insured","note":null,"quote":"Basis of assessment shall be: 1.1 For total loss or non delivery of the entire insured property or the subject•matter insured as specified in Part I of the Schedule, the Sum Insured; 1.2 For partial non•delivery, the proportionate amount of the Sum Insured; 1.3 For shortage: proportionate Sum Insured 1.4 For damage to insured property: 1.4.1 Repairable: Cost of repairs in full subject to Sum Insured being found adequate; otherwise settlement will be in the same proportion as the Sum Insured bears to the full insurable value. 1.4.2 Not Repairable: Proportionate Sum Insured for the item damaged","sources":[{"clause":null,"heading":"Basis of assessment of claims","page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/marine-transit-insurance-inland-irdan115cp0007v01201920/document/20051#c-basis-of-assessment-of-claims"}],"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 prospectus states this is an agreed value policy, normally for Invoice+10% or CIF+10%. For a Special Declaration Policy, the Sum Insured is the Estimated Annual Turnover.","display":"Agreed value, normally Invoice+10%/CIF+10%; Special Declaration Policy: Estimated Annual Turnover","note":null,"quote":"This is an agreed value policy. Normally, insurance is taken for Invoice+10%/ CIF+10% ... The Sum Insured under the Policy is the Estimated Annual Turnover.","sources":[{"clause":"11","heading":"Sum Insured","page":4,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/marine-transit-insurance-inland-irdan115cp0007v01201920/document/20948#c-11"},{"clause":null,"heading":"3. Sum Insured","page":8,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/marine-transit-insurance-inland-irdan115cp0007v01201920/document/20051#c-3-sum-insured"}],"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":"For repairable damage, if the Sum Insured is not adequate, settlement is made in the same proportion as the Sum Insured bears to the full insurable value.","display":"If Sum Insured is inadequate, settlement is proportionate to Sum Insured/full insurable value","note":null,"quote":"Repairable: Cost of repairs in full subject to Sum Insured being found adequate; otherwise settlement will be in the same proportion as the Sum Insured bears to the full insurable value.","sources":[{"clause":null,"heading":"Basis of assessment of claims","page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/marine-transit-insurance-inland-irdan115cp0007v01201920/document/20051#c-basis-of-assessment-of-claims"}],"law":[]}],"documents":[{"kind":"wording","label":"Marine Transit Insurance (Inland)","pages":23,"fetched_at":"2026-10-20 02:13:17+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/marine-transit-insurance-(inland)8c0007ff45fd68ff8a0df0055fa82311.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/marine-transit-insurance-inland-irdan115cp0007v01201920/document/20051"},{"kind":"prospectus","label":"Marine transit insurance (inland)-Commercial","pages":5,"fetched_at":"2026-10-20 03:00:07+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/45-prospectus-marine-inland-insurance-commercial.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/marine-transit-insurance-inland-irdan115cp0007v01201920/document/20948"}],"versions":[{"uin":"GEN027","version":null,"approved_on":null},{"uin":"IRDAN115CP0007V01201920","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"ICICI LOMBARD General Insurance official website","url":"https://www.icicilombard.com","note":"Website as listed by IRDAI. Not checked: the site blocks automated requests (bot wall) for our crawler on 2026-10-19; we do not bypass walls."},{"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":"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":"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 Transit Insurance (Inland) (UIN IRDAN115CP0007V01201920), IndiaInsurances, https://indiainsurances.com/policy/icici-lombard-general-insurance/marine-transit-insurance-inland-irdan115cp0007v01201920"}